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Top Tips For Safe Smartphone Banking

As you embrace the ease and convenience of accessing banking services through your mobile device, it is essential that you to protect yourself from fraudsters by keeping up to date with the latest Apps and security measures.

Kartik Mistry, Head of Smart Devices at FNB says: “Although technology allows you to bank anywhere at any time, the onus is on you to constantly look out for the latest security measures to prevent fraudsters from robbing you of your hard earned cash.” Mistry outlines important safety tips that you should consider when using Banking Apps, cellphone banking and the mobile web.

Download Apps from trusted sources

  1. It is not safe to download Apps from suspicious or unknown sources, as these can expose your mobile phone to malicious malware and viruses that can gain unauthorised access to your private information. Stick to iTunes or Google Play Store.

  2. Install an up-to-date antivirus application to your mobile device. Most banks provide this free of charge to their customers.

SIM Swaps

  1. Protect yourself from SIM swap fraud by always keeping your phone switched on; ensure that you have connection to the network and can send and receive messages.

Cellphone Banking

  1. Memorise your PIN. Never write it down or share it with anyone.

  2. Choose an unusual PIN that is hard to guess and change it often.

  3. Remember, for your own security you are required to re-enter your PIN before each transaction.

  4. If you think your PIN has been compromised, visit your nearest branch and change it immediately.

  5. Protect your phone content and personal information you saved by using a PIN or password to access your phone. Do not leave your phone unlocked.

  6. NEVER respond to competition SMS’s or MMS’s.

  7. If you receive a phone call requesting personal information, end the call and advise your bank.

Mistry says: “If you suspect that your mobile device may have been compromised, check if you are free from viruses and malware, have access to your cellphone network and avoid entering your banking PIN and accessing banking services until you are certain that it is safe.”

Source: FNB

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