9 Netbanking Security Tips – Why you need not fear Netbanking

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Internet banking, or Netbanking, is fast, convenient and easy to use. Through this service one can now transfer money, pay bills, create a fixed deposit and do much more. There is no need to physically visit a bank and wait in a queue now as everything can be done with a few simple clicks. What’s more, all major private and public banks offer this feature so anyone who owns a bank account can make use of this service.

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However, many people are still hesitant to use this service. Security risks exist for sure, but with adequate safety measures they can be avoided. Fraudulent attempts are often made so as to attack Internet bankers and to trick them, but with the right precautions and safety awareness all fraudulent attacks can be avoided. Keep the below mentioned Netbanking security tips in mind for online banking transactions.

Safety Tips for Netbanking Users:

1. Change your password frequently

While it is highly important to choose a password that is very strong and has a good mix of letters, numbers and other characters, it is even more important to change your Netbanking password frequently. Also, do not use the same password as your email accounts or other Netbanking online accounts.

2. Avoid public computers and networks

When you urgently need to access your Internet banking account, refrain from using public computers in a cyber café or accessing a public Wi-Fi network. These services are fine for general browsing, but they are not an option for accessing your bank account as several other people can gain access.

3. Preserve your personal confidentiality

Never share your login ID and password with anyone who claims to be from your bank or any other service provider. Even if the person is trusted and reliable, do not share your account details. It is as good as giving that person uncontrolled and unregulated access into your personal bank account and your hard-earned money.

4. Lookout for attempted phishing attacks

Be aware and forewarned about phishing attempts on your email, mobile phone, social networks or through phone calls as well. If someone out of the ordinary is asking for too many details, do not share anything with them. Be cautious at all times as you never know when you may be under attack.

5. Do not click on login links in emails

If you get an email from your Netbanking provider, do not click on links within the email in order to sign in. The email and the links could be fake. Instead, type in the address of the service in the address bar and login on your own to avail offers or to undertake other activities. Ideally, save the login URL of the service as a bookmark on your browser.

hdfc netbanking

6. Audit and check your account frequently

If you have not accessed your account in a while, do so from time to time. Once every 2-3 days should be good enough. Once logged in, check if your account balance and summary is in line with your known expenses and income. If you notice anything suspicious, contact your bank immediately.

7. View the last logged in details

Once you have logged in to carry out a check of your account, check the last logged in details. Almost every bank provides this feature and it allows you to see the date, time and location of the last time someone logged in to your account. If you find that the last login was not yours, raise an alarm immediately.

8. Always log out

Whenever you log in and access your bank account, always make it a point to log out. Never close the tab or the window without logging out. This is a common safety precaution that many users tend to overlook most of the times.

9. Make use of effective and updated antivirus

Needless to say, the best form of defense against phishing attacks, malware, fraudulent pages, and many more security threats is an effective and updated antivirus on your machine. When your personal bank account and more is at stake, do not leave your security to part-time and ineffective antivirus solutions. Use a trusted product with advanced features. Quick Heal Internet Security makes your Netbanking activities easier and safer.

With these security measures in mind, Netbanking should not cause any more concerns to you. After all, the service exists to make your life easier so there is no point avoiding it. It is essential to adapt but with adequate safety measures in mind.

Rahul Thadani

Rahul Thadani

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Manish Kotak
Manish Kotak
6 years ago

good article please advise in case one has to do net banking on a public wifi or public computer

madhukar waingankar
madhukar waingankar
6 years ago

Thx for net banking security.

ASHOK KUMAR NATH
ASHOK KUMAR NATH
6 years ago

its very important now-a-days to banking with a secure bank and with that life is becoming very busy and very energetic so everyone of us don’t want even to go to the bank and make a line there where you can find rush,so no one want to sop in to that line.its too tough there

nilesh r. vartak
nilesh r. vartak
6 years ago

Dear sir,
I am using quick heal security.
how can i pay?(1000Rs.Only)date25june2014.
Thanking you.

Rajiv Kumar Sinha
Rajiv Kumar Sinha
6 years ago

Good,keep it up..

VISHNU DNYANDEO TAWDE
VISHNU DNYANDEO TAWDE
6 years ago

generally at old age people forget, if one has to do similar functions in different fields.is their any gadget,very small enough to accomodate in pocket which wiii generate strong passward,displayed on screen if connected by USB to
your laptop? this will help us to remember the strong password & every time or frequently the password can be changed.pl.let me know

Mayank
Mayank
6 years ago

I am not using original windows 7 but have a subscribed Quick heal total security in it .
So can i access internet banking on my PC , is it safe or not…

please tell..

Amod Marathe
Amod Marathe
6 years ago

While using net banking is it always advisable to use the virtual keyboard provided on the web site (even when working from your usual computer at home having Quick Heal Anti Virus Software) or is it recommended only while accessing Net Banking from a not regularly used computer.

Also, please briefly explain as to how does ‘Key Stroke’ capturing take place, and is using the Virtual Keyboard the only way not to fall prey to ‘Key Stroke’ capturing

Thanks

Amod Marathe
Amod Marathe
6 years ago
Reply to  Rahul Thadani

Rahul

Thanks A Lot.

Amod

Priyadarshi Pramanik
Priyadarshi Pramanik
6 years ago

In reference to Manish Kotak query for safety using net banking on a public wifi or public computer any one can use incognito/private window of the browser( it is now available on most browsers)where no data is stored.

Sunil B Kale
Sunil B Kale
6 years ago

Hi G.A.,

As pointed out by Manish, sometimes it is necessary to log-in from public computers. We don’t know whether the internet cafe is having cabled net connection or secured wi-fi connection. Fortunately now-a-days one can log-in from smart phones. The only trouble with the touch phones is, typing is cumbersome & leads to too many typographical errors! One has to be very careful!

ABHIJIT GADRE
ABHIJIT GADRE
6 years ago

One can use private browsing window as it does not save cookies, cache and password even if you clicked on save password or keep me logged in

GIAS UDDIN AHMED
GIAS UDDIN AHMED
6 years ago

Very use full. This would be inspired people to adopt netbanking, the hassle free banking facility.

Penna Sudhakar
Penna Sudhakar
6 years ago

Thank You, It is a very informative article. Net banking is very convenient and saves lot of time. One doubt many users has is , in case of power failure or net dis-connectivity what one is supposed to do? what happens to the transaction? Whom to approach? Pl clarify.

zarana
zarana
6 years ago

thanks for familier with this thing..

Mahesh Chandak
Mahesh Chandak
6 years ago

Is it safe to access any netbanking site by clicking on saved home pages or bookmarks?

Sandeep
Sandeep
6 years ago

Nice article… thanks for updating.

TAPAN GHOSE
TAPAN GHOSE
6 years ago

Very use ful.Thanks for net banking security.

Jit
Jit
6 years ago

One more thing I would suggest to all my friends is to use virtual key board for typing the user name and password though it is a bit inconvenient but it is safe as the virtual key board changes every time so that hacking the password is very difficult for the hackers. It is one of the suggestions from the bank people only.

DR.DHARMENDRA
DR.DHARMENDRA
6 years ago
Reply to  Jit

agreed

DR.DHARMENDRA
DR.DHARMENDRA
6 years ago

NICE,VERY USEFUL togedhor “WE CAN”

Shailesh
Shailesh
6 years ago

Is it still necessary to use the virtual keyboard, if I’m using my personal laptop for accessing bank accounts ?

bharadwaj
bharadwaj
6 years ago

THANK YOU QUICK HEAL

S.Raghavendra Rao
S.Raghavendra Rao
6 years ago

This is very very good suggestion. Thank you very much

Ab
Ab
6 years ago

I always read these tips from Quick Heal (and Rahul) and learn from it, in fact I use quick heal on most of my computers and that’s why Rahul I’m taking time to write this (because today Quick Heal is on a level which is read Internationally and if there are errors it’ll show a bad remark on the company’s integrity). These are great tips, I thank you for sharing them but there are a few errors in the English that is used. Misused words: “Alphabet” and “Mail” Alphabet is one but the letters are 24, so if you say… Read more »

Ashish Kumar Thakur
Ashish Kumar Thakur
6 years ago

Its a nice and helpful article… Thanks for the tips sir.

swaleha
swaleha
6 years ago

thank you!i have always avoided internet banking but it does nt need to b so complicated.
i wanted to ask something else, i am using utorrent is it safe or should i stop using it.

Madhav
Madhav
6 years ago

Thank you Rahulji for publishing nice article. It is very useful for freshers. I feel every body should save this on their system and go through frequently.

Regards

Saiprasad
Saiprasad
6 years ago

Hello,

As you said keep changing password periodically, what what if i don’t change password, but use my home internet only for banking.

I have quick heal at home

jitesh agarwal
jitesh agarwal
6 years ago

Also look at the top left corner for the address bar. It must show https in stead of http which means it is secured.Further look for the symbol of a lock in the address bar for secured surfing.

samar kumar Gupta
samar kumar Gupta
6 years ago
Reply to  jitesh agarwal

100% AGREE WITH THE COMMENT. > MOST IMPORTANT ONE !

kishor
kishor
6 years ago

your response
Yes, using uTorrent is safe. But safety can be compromised depending on the torrent that you are actually downloading. If it contains malicious software, that can be dangerous for your machine.

I would like to know that how to identify malicious software, as there are so many software available online freely including operating software.Name few of them used for home users strictly avoided.

PKS Bedi
PKS Bedi
6 years ago

What is safer and better ….. net-banking or online payments using debit card/credit card?

ASIT KUMAR ROY
ASIT KUMAR ROY
6 years ago

ITS LIKE A FREIND ALWAYS WITH ME…….THANK U FOR THIS SERVICE

Ankuksh Shejal
Ankuksh Shejal
6 years ago

Both are safe but net banking is safer than online payment through cards.

samar kumar Gupta
samar kumar Gupta
6 years ago

Thanks for the good advice.Request to follow the guide line as advised for personal security.

Pankaj
Pankaj
6 years ago

Hi Rahul,

I recently bought new Laptop i3 500gb 4 gb RAM made ASUS. Earlier it was equipped with Mac Afee antivirus which is expired now m using Kasperskey trial version.

Please suggest what to do now should I take Quick heal for my Laptop…and how much it’ll cost

Raju Prasad
Raju Prasad
6 years ago

and now a days avoid IE and use other browsers like chrome or mozila … netbanking is safe if u unable otp (one time password for every transaction)

Rajendra Kale
Rajendra Kale
6 years ago

Hi !
Article on Net banking was very informative. Thanks !
Is it safe to use password manager , since it is becoming day by day difficult to remember various passwords. Or it is advisable to make an excel sheet for all passwords and protect it by a single password.

BASAVARJ
BASAVARJ
6 years ago

HI RAHUL THANKS FOR THE TIPS REAGRDING NETBANKING

Amod Marathe
Amod Marathe
6 years ago

Hi Rahul,

While purchasing products online, at the time of billing we are directed to a page where symbols like ‘Verisign’ (with a tick mark sign), ‘Norton’ etc are displayed to convey that the site is secure. My question is, cannot these logos etc also be replicated and displayed by a fraudulent site?

So how can one be really sure that the site is genuine and that our Cr/Dr card details that we enter are safe?

Regards

Amod

Shashi Bhushan
Shashi Bhushan
6 years ago

Well, I am user of Quick heal total security for windows. It works fine. But it is unable to block access to fraudulent websites like shophunk etc.which offer exciting offers as popup-like “win samsunxg galaxy S5 in Rs.699 or your money will be returned back”, but they never told that cash return os not possible. People are almost not aware with inbuilt security features like challenged questions on netbanking sites. You, leader in antivirus industry, must take care of these and train your customers effectively. You should add features like web security as available in your tablet security.

Bidyut
Bidyut
6 years ago

its really helpful advise,,, i have an question that some times we use our own computer regularly and we use netbanking site in a tab and also use many social sites, mail accounts, etc. in the same time in different tabs, many time we forget to logout and after some time when we click the netbanking site again to work but it shows that login season expired, so my question is — in this regard any phishing attacks, malware, fraudulent pages, and many more security threats is an effective my computer as well as is there any major problem to… Read more »

Rajiv Singha
6 years ago
Reply to  Bidyut

Hi Bidyut,

The “Session Expiry” is in fact a security measure that banking websites implement. You need not worry if your net banking’s session expires.

Regards,

Bidyut
Bidyut
6 years ago

Dear Sir, please give me a property feedback of the following- its really helpful advise,,, i have an question that some times we use our own computer regularly and we use netbanking site in a tab and also use many social sites, mail accounts, etc. in the same time in different tabs, many time we forget to logout and after some time when we click the netbanking site again to work but it shows that login season expired, so my question is — in this regard any phishing attacks, malware, fraudulent pages, and many more security threats is an effective… Read more »

ARUL
ARUL
6 years ago

in my home , there are 2 computers…. using same network via wifi….. if i use netbanking in 1 computer alone will hackers able to access anything via the network which is used simultaneously in another computer at the time of transactions… ?

Rajiv Singha
6 years ago
Reply to  ARUL

Hi Arul,

Ensure that your WiFi connection that you are sharing between the two computers is secured with a WPA2. Also ensure that both the computers are running an up-to-date antivirus software. Having these two security methods in place, your PC can be safe from hackers who use unsecured WiFi to attack their victims.

Regards,

TAPAS KR. SARBABHOUM
TAPAS KR. SARBABHOUM
5 years ago

i want to do net banking .i have a laptop.but i am worried about the security.pls send me suggestion.thank you.

O2infosystems
O2infosystems
4 years ago

I just want to say that I like your posting. In fact I am using your site regularly. Your articles are very effective and i am very thankful to you for sharing this site with knowledgeable content .

Ramkishore Charan
Ramkishore Charan
3 years ago

Thanks mate this post was really helpful. Regards

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