Has anyone ever had a problem with on-line banking theft. If so what was your experience and recommendation for avoiding.
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Answers (4)
Hi Donk
I have to say I am a bit old fashioned when it comes to banking - I do all mine in person. I do not do any banking online so know that when I get an email from HSBC saying there is a problem - I know it's a phishing scam (also cause I don't bank with them!).
I know that in this day and age not banking online is seen as outdated, but feel that this is the best way to protect myself from online theft.
I haven't personally, but a family member has. He made the classic error of clicking on a link in an email that he thought was from his bank, not realising that it was a 'phishing email'. He lost about £1,700 from his account. He's an intelligent guy who wouldn't normally click on an email link, but it seems he was checking his emails hurriedly in his lunch break at work and slipped up! For good general info on how to avoid online banking theft, have a look at the Bank Safe Online website...
http://www.banksafeonline.org.uk/index.html
Hi Donk, yes I do, click 'Tools' at the top right hand of your Internet Explorer page, on the drop down menu look for 'Internet Options' and click on it to open it. On the 'General' tab, look for 'Browsing history' and tick the option to 'delete all temporary files, history, cookies, saved passwords and all webform information'. You can choose which of these you want to delete. If you just want to delete cookies and passwords, just tick those. Personally, I delete all of them.
You're welcome, Donk, my pleasure!
Fortunately not. But simple advice is:
- have up to date anti-virus and anti-malware on your PC (malwarebytes, avg, antivir and spybot are all free, or have free versions)
- stay up to date with operating system security patches
- never follow a link to go to a financial website, always type it in yourself (don't even trust your own IE favourites list)
- always clear your cookies and history before logging off (the freeware, cleanup! is good for this)
- never give out banking details over the phone or by email
- check your account regularly, and don't have too much in your current account at any one time
BANKS ARE OBLIGED TO RETURN YOU THE MONEY AS IT'S THEIR RESPONSIBILITY TO KEEP IT SAFE.
DON'T CLICK ON STRANGE EMAILS, STAY CAREFUL WITH YOUR CARDS AND KEEP YOUR SECURITY UPDATED ON YOUR COMPUTER... BUT ABOVE ALL NEVER EVER ACCESS YOUR BANK ONLINE WHEN YOU ARE USING A PUBLIC COMPUTER. ONLY ACCESS YOUR ACCOUNT FROM YOUR HOME OR WORK COMPUTER WHERE YOU KNOW THE SECURITY IN PLACE
Banks are not always obliged to return your money and I have heard of people being asked to prove that they have adequate security measures installed on their computers if they have been subject to online fraud. So it is worth bearing this in mind. They will not automatically refund you.
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