Best tips to do your online banking on the smartphone with security

online banking

For anyone who uses an online banking app today, you might be wary of looking at your banking app when out and about in public. Many people don’t even like using their banking app when they are in the protection and privacy of their home. For that reason, it makes sense to spend some time getting used to online banking app security best practice.

As you likely know by now, most websites are run using the General Data Protection Regulation (GDPR), made law by the European Union. While this does a huge amount to protect you, with companies risking fines as large as €20m according to Mobilesignalboosters, you still have to be as smart as possible to protect your own data and keep yourself secure.

With that in mind, then, what you can do if you wish to make that so?

1. Updates your smartphone’s operating system

First, make sure that you spend as much time as you can updating and upgrading the operating system of your smartphone. Many people make the mistake of not updating their operating system, because they think it does not matter. It really does: security flaws are found all the time in smartphone OSs, and the updates will help to keep them secure and free from such issues.

If you worry about this become a major problem as time goes on, then it might be time to look to update the operating system of your smartphone. If you do that often enough, you should make sure you are left with a smartphone that is strong, safe, and secure from potential damage.

Not only is that good from a security perspective, but you should feel a bit easier about your general phone usage. When it is up-to-date and modernised to handle popular threats, you can use your phone without the same uncertainty.

2. Don’t use a public Wi-Fi network

Another common mistake for a lot of people is using their online banking app when on a public Wi-Fi. That is a huge mistake, and it goes a long way to making sure you can have a lot of problems with regards to you how you use your mobile device. If you are ever intent on logging into anything, do so only on a private Wi-Fi connection.

Using a public connection is downright dangerous, and it genuinely does put the quality and safety of your information at risk. If you worry about that kind of problem, then we recommend that you stop using a public Wi-Fi network.

It’s the only way to make sure that you do not make your data and login details easily found by the wrong kind of people. Do that, and you should easily keep your data safe and secure.

3. Subscribe for mobile notifications

One of the best ways to make sure you get some value from your online protection is to make sure that you have invested in mobile notifications. These are useful for various reasons, not least the fact that they can take out the pressure and stress of knowing if someone has got access to your account.

With mobile notification systems, then you make sure that you are never in a position whereby you are at needless risk. This is why we recommend that you sign-up for mobile notifications. Now, you get addressed if someone tries to log into the account at all, keeping you notified at all times.

4. Avoid signing-in to your net-banking account via mailers

A common mistake that a lot of people make is to click into a banking account link given to them on a mailing client. This is almost never a good idea. Make sure that you never do this: make sure that you always open it up through a secure channel. If you are going to be redirected to the bank, alarm bells should start ringing.

Make sure that you never log in outside of the HTTPS secured website, or the mobile banking app. This helps to guarantee protection and security moving forward.

5. Enable two-factor authentication

We recommend that you use your banking apps two-factor authentication system. Just about every modern bank will offer this. Basically, when you log in through any other means, it will ask you to confirm it on the smartphone.

While this can be annoying if you ever change or lose your phone, as getting it verified without two-factor authentication can be tough, it is well worth taking the time to do so. Enabling this simple but effective authentication step will make sure you can get the help that you need to avoid any of the problems you might worry about with regards to logging in.

6. Use the bank’s mobile app

As we have mentioned all the way through this article, make sure you start using the local mobile app. Every good bank will have a secure app that you can sign-in through. If you use this, you are more or less guaranteed of a good connection. If anything goes wrong when you connect to your online banking app using a secure channel, you are much more likely to avoid being caught out by someone who is waiting for you to make mistake. As ever, though, only use it on a secure and safe internet login if possible.


7. Disable automatic login

Disabling an automatic login is very important for any kind of bank, whether it is on the website or the app. It might seem convenient, but it really is not saving you much time at all. It’s better to memorise your complex login details than it is to log in and automatically and run the risk of the wrong person getting access.

It is much easier to build up a strong record of safety and good governance if you invest in not using automatic logins. Logging in manually always ensures you aren’t giving any hacker or privacy invader a chance to get access without having to work for it.

Keep these tips in mind, and you should definitely be close to making the kind of impact that you desire regarding mobile smartphone security when using online banking.

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