How Do You Protect Yourself From Hackers? You need to be very careful when you are online, especially when accessing any financial websites like banks and building societies.
Open a separate bank account for internet shopping
If your primary bank accounts are cleaned out by fraudsters, you can lose absolutely everything.
The best method is to set up a totally separate and exclusive ‘online shopping’ current account which can be used purely for online shopping. You would still have your original bank account for things like monthly direct debits and standing orders.
This cuts the amount of companies in a position to acquire information regarding your principal account and restricts your possible loss.
This means that when you want to go shopping online, you just deposit enough money into the separate online shopping account that you are going to need to make the online transactions.
The cash in this account will only be there for a very short time, as most of the time the account will be showing a very low balance for security.
Have a look at this simple bank account that does not charge fees for missed direct debits or standing orders.
Select your bank sensibly
Some organisations are much better than many others at fraud protection. Which? magazine printed a league table of banks rated by how many complaints had been received.
It is worth having a look at their detailed report to see who came out best in the surveys.
Use security programs
Use mobile phone apps to manage your bank accounts as they were developed with security in mind and are less vulnerable than laptops and computers. These devices resemble little calculators and make passwords that are added to confirm your identity when you log on making use of a debit card and PIN.
Clean up old data
Spend several hours purging old on-line ‘user accounts’. Utility suppliers, stores along with other companies you’ve handled in days gone by may still keep your private info and card or bank details.
To decrease the chance of hackers, use bank statements to create an inventory of companies you have used in the past, go to their respective websites and delete any ‘auto-saved’ private information which you find there. Your details should be destroyed by any businesses six years after your last transactions. Write them a letter or email if you think a company is failing to honour this.
You need to additionally:
– Ensure your e-mail account is protected with a ‘two step’ confirmation procedure, which means if a person logs in from a fresh computer, you might be sent an alarm.
– Look out for a padlock symbol and ‘Secure | https://’ at the start of a web address, which is the sign of a secure website.
– Be cautious of telephone calls or e-mails asking for private or cash details. A business or a reputable bank will never you ask for the PIN code.
You have now been warned how do you protect yourself from hackers, so it’s best to take action now to guard against this happening to you.