Online banking security advice for UK customers

Online banking security is essential for people who invest large savings with online bank accounts. Because of the recent increase in sophisticated hacking software, many institutions are employing stricter tactics to help combat the problem of online banking fraud. Bank customers who already have difficultly remembering their online passwords and phrases may face even tougher security measures in the future.

People are advised to treat their personal information like their cash by storing it in private documents that cannot be accessed by any other user. Most e-mail providers automatically send e-mails that ask for private details into the junk folders. This reduces the risk of an individual from opening up the e-mail and any attachments, which could contain dangerous viruses.

Individuals who receive suspicious phone calls from people claiming to be representatives of legitimate companies should consider removing their phone number from the national directory. Doing so greatly reduce the chance of criminals gaining access to phone numbers and receiving harassing sales calls.

Unfortunately, phishing e-mails are often distributed to hundreds of thousands of addresses, raising the likelihood that a tiny minority of people will mistake them for authentic requests. However, with careful observation it is easy to recognise phishing attempts because such e-mails often contain poor spelling and grammar.

Fraudsters will also use terminology that is rarely, if ever used by the majority of retail and investment banking institutions, including phrases like 'most valued customer'. The text may also appear to be emotive and written by people with a limited capacity of English.

For more information on online banking security, customers should visit their bank's website, which will contain detailed information about the security procedures that their institution operates.

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