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Online fraud and hacking attempts are quite common nowadays. You must have heard about the recent news of malware attack. It was one of the biggest security breach where data of around 32 Lakh debit cards from leading banks of India is being compromised.
As precautionary measures, banks have asked their customers to change their ATM PINs. Banks are likely to replace debit cards of customers in order to prevent misuse. In addition to changing your ATM PIN, you should also take following precautionary measures in order to prevent online fraud or hacking of your information.
15 Tips to prevent online fraud and hacking
1. Change your internet banking password.
It is generally seen that people don’t internet banking password for a long time.In order to prevent misuse and theft of information, it is recommended to change your internet banking password on regular basis.
2. Use complex password.
You should not use a password which is easy to guess. Try to make a complex password. Never use birth date or mobile number as your password.
3. Same password for all accounts.
It is seen that many people use the same password for facebook, Gmail, Internet banking etc. The reason is it is easy to remember. However, it is recommended not to keep the same password for all your accounts.
4. Don’t store your password in password manager or at online vault
You may find it convenient to use password manager to store and retrieve your password. However, in order to prevent online fraud avoid using password manager.
5. Don’t use public WiFi or cybercafé for internet banking transactions.
Public WiFi or cyber cafe is the biggest source of data theft and online fraud. So, don’t use public WiFi or cafe for internet banking transactions.
6. Always use website with https://
Never share your information on a non-secure site. Always use site with https. Information exchange happening on https site is more secure as it happens in a secure manner (encrypted).
7. Never open phishing email.
You should never open phishing email or email with an unknown attachment. Identification of phishing email is easy. This type of emails are generic in nature asking for help or showing a sense of urgency. These types of emails are used for online fraud or for hacking.
8. Invest in good antivirus and malware protection software.
You should install a good antivirus and malware protection software on the desktop or laptop. It will help to prevent online fraud or hacking attempt.
9. Delete e-mail after reading
You should delete sensitive email with account information as soon as you read it. Keeping old email in the account is risky.
10. Never share your detail with anyone over the phone or in social media.
Social Engineering attacks are quite common nowadays. Fraudstar try to get information by talking with you so, it is advisable not to share any personal information with anyone over the phone or in social media.
11. ATM slips should be disposed or to be kept at a a safe place.
You should dispose ATM slip in a proper manner or keep it at the safe place. ATM Slip contains valuable information which can lead to information leakage.
12. Never save card details on shopping websites.
Many people store debit card and credit card information on a shopping website. You should avoid doing that in order to prevent hacking or online fraud.
13. Keep provision of wiping data remotely.
Whatever device you use for transcation make sure to keep provision of wiping data remotely. It will help incase your device is lost or stolen.
14. Cover ATM keypad while entering PIN
The next tip to prevent online fraud or hacking is to cover ATM keypad as and when you are entering PIN number.
15. Install antivirus software on your smart phone.
The last important tip to prevent online fraud and hacking is installing only legitimate app on your smart phone. It is also advisable to use antivirus software on your smart phone.