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Are your bank cards always well protected?

You use your bank card to pay for food shopping, online payments, withdrawing money from an ATM… but are you careful enough?

Paying safely online

When you make payments online, it is important to check first that the site is secure. There are two things which tell you whether an online purchase is secure:

  • A small closed padlock or key is displayed in the browser address;
  • The “http” in the address becomes “https”. This means that the data sent is encrypted.
Safety on the internet
  • Only make purchases from clearly identified retailers which you know or which have been recommended to you;
  • Read the terms and conditions of sale which are published on the website (if they are hidden or there are none, this is a bad sign…);
  • Carefully read any information about how your personal details may be used;
  • Always keep a paper copy of your order and the main details of the contract (cancellation, recall, refund, guarantee) (or save this data on your computer’s hard disk).

Some secure payment websites such as Paypal or Skrill are better known than others. But you should still be careful and check the two things mentioned above. 

Good security practice

Here is some practical advice on using your bank card securely:

  • Keep your PIN safe: do not write it down and store it with your cards. Memorise it and do not reveal it to anyone
  • Try not to choose a PIN which is easily identifiable, such as your date of birth
  • At an ATM, make sure no-one else can see when you enter your code
  • When paying with your card, cover the keyboard with your hand so that it cannot be filmed
  • Take the receipt
  • Do not allow yourself to be distracted
  • If your card is blocked, do not accept the help of anyone you don’t know
  • Ask for your card to be blocked if you notice anything unusual
  • Be careful about who you give your credit card details to. Never send them to anyone by post or e-mail. 

Reporting and Analysis Centre for Information Assurance – MELANI

What should you do if you are a victim of online fraud?