Follow our simple steps when transacting online and stay safe.
We will never call, text or email you requesting any financial information
There are several forms of fraud where fraudsters will contact customers directly in an attempt to trick them into handing over sensitive data.
Phishing Fraud is a very prevalent form of fraud where by fraudsters use Emails, SMS and Phone calls to trick customers into handing over their online login credentials. These attempts can be very sophisticated, with fake sites giving the appearance of genuine banking sites and the fraudulent emails constructed accordingly.
Remember your bank will never contact you and request information in this manner.
Spear Phishing is a type of fraud that is on the increase. This type of fraud targets the employees of a company in an attempt to install malware/virus onto their PC/Tablet.
This is done in an attempt to obtain log in details/credentials for company systems and/or online banking details through those infected devices.
All employees should be made aware of the dangers of clicking on links within emails even when the emails are received from known sources. They may also access your wireless (Wi-Fi) network if it isn’t secure to get to your personal information.
For more examples of Frauds and Scams that are out there, take a look at our Frauds and Scams section.
Protect your accounts
- Be aware of unsolicited emails/sms/phone calls asking for your online details, bank card or PIN numbers and never divulge this information.
- Never disclose your online password or PAN (Personal Access Number).
- Do not write down your PAN number or online password, or keep them with your Business24 card.
- Make sure your computer has anti-virus software including an active firewall and update it regularly when using it for online banking.
- When accessing Business24, we highly recommend you use a secure computer or device with restricted access only.
It is the responsibility of your own business to control who does and does not have access to Business24 online banking as you are responsible for authorised users on your account. For example, if an authorised user is no longer employed by your business, please contact your branch to block their access to Business24.
Protect your business
- Ensure that you have up to date antivirus/malware detection/prevention in place.
- Ensure that all employees are aware of the dangers associated with clicking links in unsolicited emails (even from known associates).
- Make sure that all employees are aware of the dangers of downloading files to business PCs as they may contain viruses/malware.
- Ensure that all employees are aware of the current fraud trends of phishing (email), Smishing (sms) & Vishing (Phone calls).
- Ensure employees are aware of “Invoice Redirection Fraud”, where by a fraudster intercepts a genuine invoice and changes the beneficiary account number. All invoices received should be confirmed either over the phone or via a central system for company invoice information where strict processes are in place for updating/changing information within the system.
- Transact with well-known companies where possible.
- Ensure employees are aware never to allow an external party to gain remote access to their business (or personal) PC’s for any reason.
- Be aware that purchases from private sellers may be more at risk than those from registered businesses.
- Ensure your Wi-Fi network is secure & don’t use public Wi-Fi networks.
Protect yourself online
- Check the URL when you are providing payment details for an online purchase; the “http” should turn into “https”.
- Check the lock symbol on any website’s homepage to see if it’s secure before entering your security details.
- Be aware of emails/websites that ask you for personal information including mobile telephone numbers, mother’s maiden name and date of birth etc.
- Never send money to or share the details of a money transfer with someone that you do not know.
- Where a site shows the last time that you logged in, always check that this reflects the last time you accessed the website.
- Take care when downloading files such as music, software etc. These files may be infected or have “malware” programmes attached.
For more tips on protecting yourself online, take a look at the Protect your identity section.