Clydesdale and Yorkshire banks have become the latest to offer their customers a free download of the security software from Trusteer Rapport, joining the likes of Santander, NatWest/RBS and HSBC.
The software, to be used in addition to your usual anti-virus software and firewall, is designed to provide further protection to both customers and banks from online fraud committed by financial malware and phishing attacks.
Among the bigger banks, only Barclays, Halifax and Lloyds TSB do not to provide the software to its customers.
How Trusteer Rapport security software works
When customers connect to their online banking accounts, Rapport does three main things in the background to make it extremely difficult for criminals:
- It verifies that they’re really connected to the bank’s genuine website as opposed to a fake website created by criminals
- Once verification is complete, Rapport locks down communication between the customer’s computer and the bank’s website
- It protects the customer’s computer and internet connection by creating a tunnel for safe communication with the bank, preventing criminals from using malware to steal log-in data and tamper with transactions
What are your rights if you don’t download Rapport?
We asked Doriena Koldenhof of Financial Fraud Action UK how banks would treat a situation where you chose not to download Rapport and your online banking account was subsequently hacked into.
She told us: ‘It varies from bank to bank. Customers should check their online banking terms and conditions and always speak to their bank if they choose not to download it or are having problems running it on their computer.’
Melanie Green, banking expert at Which?, said: ‘This is a welcome additional layer of security for online banking customers of the Clydesdale and Yorkshire banks.
‘We do, however, think that banks should make it absolutely clear upfront to customers whether the download is an optional extra or something that you must do in order to comply with banking terms and conditions. We’ve been unable to find any bank that currently provides this information.’
See our guide to online banking security for more information on how each bank protects you. If you’re looking for a new bank account, take a look at our review of current accounts.
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