Marketing & Advertising

9 precautions you should take to protect your money in digital accounts

In order to help you protect your money, we’ve separated 9 tips for you to prevent yourself against scams and fraud on the internet. Check out!

1. Only use official applications from the financial institution

As we said, the main communication channels of digital banks are their apps and internet banking.

But, before installing the bank application on your cell phone, make sure that the platform chosen for download is, in fact, the original one.

Also, keep an eye out for updates, they are made after system fixes, whether to bring new options to the customer, or to improve security systems.

2. Check the email address before logging in

Be very careful not to log in to a non-original address. As we explained in the case of e-mails, criminal groups invest in technology to create environments identical to that of the bank and create ways to offer the fake e-mail address to users.

So be sure to check that you are accessing the bank’s website before trying to log in with your account details. A good tip is to avoid searching for the email address in search engines (Google, Bing etc) and yes, type it directly into the internet navigation bar. With this you avoid accessing the wrong link.

And of course, when in doubt, prefer to contact your financial institution through the phone or chat of the application already downloaded on your smartphone.

3. Periodically monitor the bank statement

Set up to receive SMS notifications about your account movement or credit card usage, so you can identify suspicious activities right away.



Also, always check your bank statement for purchases in installments and subscriptions to streaming services and other automatic debits, for example.

This is an interesting feature because you identify unrecognized operations in real time. Thus, you can contact the financial institution immediately to avoid “greater damage”.

4. Beware of fake emails on behalf of the bank

Pay attention to emails received on behalf of the financial institution. And a point that needs to be clear is that the bank does not send charges through this tool.

If you receive a bank statement or invoice by e-mail as a personal option, this point does not need to be concerned. But even so, it is important to assess whether the content received has a different characteristic and format. Pay attention to misspellings and suspicious links.



5. Use virtual card in online purchases

Some digital banks offer their customers the possibility to create a virtual card. With this, you can use this card to make online purchases more securely and it will have a limited validity.

Most of the time, this virtual card is only valid for one use. But if it is possible to use it in several purchases, you will have the possibility to block it, control the maximum amount of use or delete it at any time.

6. Log out of your digital account

When you finish your activities, be sure to click on the logout button to log out of your account.

7. Enable user authentication

If your digital bank offers these options, you can be sure your digital account is secure.

Thus, to prevent fraud and scams in digital banks, it is interesting that the account holder adopts multiple layers of security for user authentication in the mobile application and financial platforms.

You can find several services in this category. Meet some:

  • Two-factor verification;
  • The use identified through geolocation;
  • Activation of notification via email or SMS for login on new devices;
  • Validation of actions by biometrics.

8. Do not use Internet Banking on a public computer

If possible, do not log into your bank’s Internet Banking on a public computer. This machine may not have adequate security for this activity, in addition to containing malware or software that captures all the information entered.

9. Use antivirus in the mechanisms you use to access the digital account

Both your computer and your smartphone can have an antivirus that increases device protection. This is not what will determine that your digital account is reliable, but it will certainly raise your level of security, do you agree?

After all, is my digital account safe?

Digital banks, by essence, are technological and innovative, which means that they are always investing in data management solutions.

This, of course, includes the tools and mechanisms for securing the digital transactions that your customers carry out. If they were born and offer digital services, they need to guarantee maximum quality in this regard, do you agree?

In this sense, your digital account is secure and is constantly improving. But in addition, make choices and take actions that increase the security of your money.

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