1. Domain control and security certificate
Enter the web address of your Bank, always by Hand and make sure that you use for Online Banking, a secure connection. The Internet address starts always with "https://...." and receives a safety certificate.
- In Firefox, a green bar that you get with a click on the lock icon, the site verification for the website displayed in the address field. This page is then considered to be trustworthy, the data transmission is encrypted.
- In Internet Explorer the address field is stored completely green - for more information on site identification, you receive on the right end of the input field (the key icon). There you will find among other things also the security certificate for the site.
Address check
2. Phishing protection in the Browser to activate
Both in Firefox as in Internet Explorer, you can enable Phishing protection. This means that if you encounter while Surfing on a suspicious page, it is blocked by your Browser automatically. So, you can prevent them unnoticed data are stolen:
(For secure banking, you need an EV SSL certificate that brings higher authentication and validation to your desk. The reason to choose Extended Validation (EV) SSL is HTTPS, secured padlock, and the company name hidden in a padlock. Once you click it, you will have a verified company name.)
- You go into the settings in Firefox to the tab "security". To enable Phishing protection, you put in "website blocking, when she was reported-wrenching" and "website blocking, if you are was discovered as a fraud" a hook.
- Internet Explorer calls these functions "SmartScreen Filter" and has listed them in the category of "safety". There you can turn on - if it is not already enabled, the SmartScreen Filter.
The protection against Phishing
3. Password security for Online Banking
Many of the banks work (optional) when logging in with an Alias-name instead of account numbers. This means, you can think of a kind of user name with which you want to log in. For the Alias, there are exactly how for passwords of different criteria that make account access more secure:
- You can use Numbers, Uppercase and lowercase letters, and special characters (for example,%,/,@,*).
- You should choose a long, abstract word, it doesn't make sense.
- As you can remember? For example, the sentence: "Ben I will be home at 6 o'clock in the morning!" becomes the password "BIwbh@6ocitm!"
4. TAN safety
Online Banking is a TAN. Here, however, there are various possibilities with various security vulnerabilities.
- PIN/TAN: The conventional TAN method uses a printed list of TAN numbers, they need to legitimise the transactions. Due to various cases of fraud this is but it is a discontinued model and is only offered by a few banks.
- iTAN: you generate with a TAN-Generator for each Übrweisung a TAN. Criminals have it here is harder, because you need exactly this number. However, there are always cases of fraud.
- mTAN: The mobile TAN procedure seemed to be the safest method in Online Banking. You will receive the TAN via SMS sent to their mobile phone, including a brief detail overview of the purpose of the Transfer and amount. However, on Android Smartphones the TAN-Codes are intercepted.
- But: Not all banks send as many TAN-SMS for free. Also, you should note that you can receive for safety reasons, no mTAN on the Smartphone, if you make this also the Online Banking.
TAN-Generator (iTAN)
5. Phishing e-Mails, Hotspots, and other Computer
- Many users receive a supposedly official emails in which you are prompted, TANs, PINs, credit card numbers or passwords or clicking on Links. Your Bank will ask you to never, sensitive data via e-Mail or on the phone to disclose. In case of uncertainty, it is best to contact your Bank. For more tips on protection against Phishing-Mails read here.
- You can use Hotspots (publicly accessible Wi-Fi networks) only for Surfing and not for Online Banking. For Criminals, it is not difficult, over an unsecured network on your Smartphone, Tablet or Laptop to access and your account, to spy out data.
- Also in the case of third-party devices, you should refrain from Online Banking, because you can not exclude the possibility that their input will be recorded. So Criminals can easily access your name, account number and your PIN.
6. Transfer limit
To put it in your Online Banking settings transfer limit (for example € 1,000), so that in the worst case, not the whole account can be looted.
7. Keep virus protection updated
Also if you use the above tips for a safe and secure Online Banking, always keep your Firewall and your anti virus program up to date. Because once a Virus is on your Computer, to help even the best security measures in Online Banking nothing. Good Free virus tools you will find in the CHIP-best list.
