Online Banking: recognize and avoid hazards • 09.26.08
Online banking has clear advantages: they are independent of opening times and can be all sorts of transactions quickly and conveniently in order. But the popularity of online banking also attracts criminals to: Often, consumers receive e-mails with an invitation to a site via clickable link their bank access their personal information. The no circumstances should you do, because the basis of these data can be the unauthorized online account easily plunder.
Respect for online banking Trojans
Also very dangerous are so genannnte Trojans, in secretly creep into your PC. You catch your access data unnoticed and guided them further. So never open e-mails unknown senders and protect your computer necessarily with a current antivirus software.
ITAN, Etan and procedures HBCI
So that the abuse risk is low, some banks have your transaction methods converted. In the so-called iTAN procedures must, for example, after you input your PIN is not any TAN number from the list, but each of the Bank provided certain number. Even safer (but not yet so often applied) are ETAN HBCI or procedures. In both
procedures, the account holder is an electronic device made available, which his identity when online banking tamper-proof confirmed.
So you should act in case of damage
As a precautionary measure against abuse in online banking you must access your data safe place. Keep your PIN and TAN data separately and not save it on your hard drive. You should also difficult to guess passwords choose not to transfer the case from publicly accessible computers active and regularly check your bank statements. If you find irregularities, put your best coincide with your bank in connection and block online access through three entry of a wrong PIN. Then you can ask the police to report. So you have the best prospects, the damage from your bank to get reimbursed.
