Tips For Using Internet Banking Safely

Internet has made handling the day to day challenges of modern lifestyle. One of the biggest benefits has been the easy handling of money without being location dependent.

Smart phones, notebooks and iPads have made banking possible while on the go within the time frame of a few key strokes. This independence has however come at a price. It requires us to be constantly vigilant of the online banking accounts and linked email ids to safeguard against cyber frauds.

One can always protect oneself from falling into such troubles by using some tips such as:

  • Personal identification numbers (PIN) passwords and card numbers should be kept absolutely confidential. They should not be shared anyone. Banks also state very specific protocols for sharing the same when we call their helpline numbers.

  • Net banking passwords should be frequently changed. They should not be similar to other passwords used for online accounts. The passwords should ideally consist of alphabets, letters and special characters to make then difficult to hack.


  • One should not save critical details such as card numbers or passwords on computers which are accessible to the general public such as at the work place or in a standby given by the service centre.


  • Personal verification question answers for net banking accounts in India should not be shared via emails which are a ready source for hackers to figure out passwords of an individual. The answers should not even be shared verbally. Emails are often sent requesting such sensitive information, which should not be responded. These are fraud mails as no financial institution will seek the same.


  • Whenever performing online transactions, one should be observant of the lock icon in the address bar of the browser before the website address. The presence of the same means that the website is following international laws for online banking security protocols and is thus safe.


  • While performing internet banking in India, one should ensure that the computer has up to date antivirus software and the firewalls are functional.


  • One should always open the bank website for the sharing personal information by typing the same in the browser address bar instead of using email links.


  • One should also be careful of pop up windows in the course of online transactions which are looking suspicious.


  • Net banking accounts in India are often logged in from public computers and then the same is not logged out of. This should be avoided at all costs.


Thus, one should perform online banking only through secure devices and mediums.

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