Security: are online banks safe?

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If their success is now undisputed, there is still a point on which digital banks continue to worry: security! So, are the information, online payments and customer accounts well protected?

Millions of users have already chosen to open an online account worldwide! Yet there are continuing concerns: can we rely on the security offered by the digital banks? Subject to the same regulations as traditional banks, their security measures are now of formidable efficiency. Needless to worry, even if the zero risk does not exist…

What are the threats?

Pirates do not lack imagination to conduct fraudulent actions. However, the main techniques that raise the concern of online banks and customers remain the following three: spyware that allows hackers to receive your logins and passwords by registering your activities on Internet a virus called pharming that redirects you to a fake website from the address you specified in the URL bar; phishing, also known as “fishing”, which consists of sending bulk emails by pretending to be your bank to ask you for confirmation of the security information of your bank account.

How do online banks eliminate them?

Combating these frauds has become today the main battle horse of digital banks to reassure their customers and encourage them to open an online account. PIN code of the bank card sent by SMS that automatically clears, authentication system by click and no longer by typed code, use of the SSL protocol to display a padlock and the prefix HTTPS in the address bar, confirmation of operations via the customer’s mobile… the techniques are numerous and are constantly evolving to ensure Bank security.

And on your side, good habits to adopt?

But the best way to fight against piracy is still to anticipate it! Your new secret code generated, you have to be vigilant by never disclosing your banking data by email, phone, SMS or via social networks. For its part, your online banking will never have to ask you to communicate your information and your login credentials. If you receive a request of this type, be extremely careful and never click on a link that might seem suspicious to you. For the rest, simple steps are to be applied: updating its antivirus, activating the firewall, disconnecting its client area… and of course, avoid connecting to public computers and networks! These rules applied, no reason to worry: you can open an online account safely.