Tips on secure online banking
- Type your internet banking URLshow/hide
Always access our internet banking by typing the correct URL (http://www.standardchartered.com) into your browser. Never click on a link in an email to take you to a website, or enter personal details either in the email or website.
- Password and PIN securityshow/hide
You should always be wary if you receive unsolicited emails or calls asking you to disclose any personal details or card numbers. This information should be kept secret at all times. Be cautious about disclosing personal information to individuals you do not know.
Please remember that we will never contact you directly to ask you to disclose your PIN or your full password information.
- If it sounds too good to be true...show/hide
It probably is. Don't be conned by convincing emails offering you the chance to make some easy money. As with most things, if it looks too good to be true, it probably is. Be cautious of unsolicited emails from overseas - it is much harder to prove legitimacy of the organisations behind the emails.
- PC securityshow/hide
It is important to use up-to-date anti-virus software and a personal firewall. If your computer uses Microsoft Windows, it is important to keep it updated via the Windows Update feature, equally if you use another operating system you should check regularly for updates. You should be vigilant if you use internet cafes or a computer that is not your own and over which you have no control.
- Keep your identity private offlineshow/hide
Your identity can be as easily stolen offline as it can online. It is important that you comply with instructions about destroying new PIN numbers and expired bank cards.
You should also consider using a crosscut shredder to destroy bank and other statements that may contain sensitive personal information. It is advisable to store retained documents in a suitable locked and fireproof container.
- Check your statementsshow/hide
It is important to check your statements regularly; a quick check will help identify any erroneous or criminal transactions that might have been performed on your account without your knowledge.
- Check your banking session is secureshow/hide
When undertaking any banking on the internet, check that the session is secure. There are two simple indicators that will tell you if your session is secure. The first is the use of https:// in the URL. Some browsers such as Mozilla Firefox change the colour of the url window when you are in a secure session. The other indicator is the presence of a digital certificate represented by a padlock or key in the bottom right hand corner. If you double click on this icon it should provide you with information about the organisation with which you have entered in to a secure session.
- Check for spywareshow/hide
In addition to being protected by using up-to-date antivirus software you should also regularly use software to remove spyware from you computer, as these programs record information about your internet use and transmit it without your permission. In some circumstances this can compromise your PC security.
- Ensure you log off properlyshow/hide
It is important to completely log off from your internet banking session; simply closing the window you performed the transaction in may not close the banking session. If your computer is infected with a Trojan, your session may become hijacked by a criminal and financial transactions may be performed without your knowledge. It is also advisable to disconnect from the internet if you are not planning to use it.
- What we do to make your online banking session secureshow/hide
We use a combination of Secure Socket Layer (SSL) protocol and passwords to protect your information. In addition, stronger authentication is used as appropriate to particular markets.