Online banking security Online banking security tips

Tips for protecting your bank account 

Banking online

Make sure you have up-to-date security software and a strong password

  • Regularly log in and check your statement, looking for unusual transactions. Immediately report unfamiliar items to your bank. 

Make sure others can't access your bank account

  • Never leave your computer unattended when logged in, and always log out properly when you've finished your banking session.
  • Avoid public computers for online banking.
  • Make sure your wi-fi network is secure, to prevent unauthorised users accessing it.

Protect your bank account by keeping it up to date

  • Install the latest anti-virus and anti-spyware software, use an effective firewall and keep them all up to date. Install Rapport if your bank offers it.
  • Keep your operating system (eg Windows) up to date. You can do this by setting your computer to receive and install updates automatically via the internet.
  • Keep your web browser (eg Internet Explorer, Safari or Firefox) up to date. Your browser provider's website will have details.

Take care of your banking security details

  • Don't write your passwords down in full or share them with anyone.
  • Never respond to emails or phone calls that purport to be from your bank and ask for your security information.
  • Don't open emails from unknown sources as they may contain a virus.
  • Connect to your online banking site by entering the URL in your web browser – don't click on a link in an email.

Report phishing emails

Download Rapport software

  • Eight of the 12 banks we tested now offer a free download of Rapport software. This should be used in addition to your usual anti-virus and firewall software, not as a replacement. We'd suggest that you download it if it's available from your bank as, in our limited analysis, it seemed to provide significant additional security support.

Know your banking rights

  • Banking regulations say that a bank can only refuse a refund for an unauthorised transaction if it can prove you authorised the transaction or that you acted fraudulently or were grossly negligent in failing to protect your Pin and password. 
  • If your bank refuses to refund you, take your complaint to the Financial Ombudsman Service.  It will look at each case on its merits.
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