Online banking fraud has become increasingly sophisticated, with scammers using emails, texts, and phone calls to steal your sensitive information. But with the right habits, you can protect yourself. Here are 7 practical tips to keep your money and data safe.
– Your bank will never ask for your PIN by phone, email, or message. It’s strictly confidential. If someone asks for it, it’s a scam—hang up or delete the message.
– Always verify the website starts with “https://” and displays a padlock icon before typing in your card details. Fake banking sites look real but are designed to steal your data.
– Messages claiming “your account will be blocked” are common phishing tricks. Don’t click on links. Instead, contact your bank through official channels.
– A one-time code via SMS or app adds an extra layer of security. Even if scammers get your login, they can’t access your account without this second step.
– If you rarely use contactless payments, disable it via your banking app. This reduces the risk of unauthorized tap-and-pay transactions.
– Many banks offer disposable virtual cards for e-commerce. They protect your main card number and expire after use, limiting exposure in case of a breach.
– Check your transactions regularly. If you see even a small charge you don’t recognize, alert your bank immediately—it might be the start of a scam.
– Scammers keep evolving, but with these simple actions, you stay one step ahead. Awareness is your best defense.
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