7 effective ways to avoid losing money

In the digital age, online banking transactions are increasingly popular, but at the same time, there are many potential risks, especially fake websites and malware targeting users. Below are 5 basic ways to protect your bank account and personal information when making online transactions.

1. Only visit the bank's official website

Users should absolutely access the official website of the bank or the State Bank. For example, the official electronic portal of the State Bank of Vietnam is https://sbv.gov.vn. Strange websites with unknown domain names may be fake, intended to steal account information.

2. Download the banking app from the official source

Only download banking apps from official stores such as the Apple App Store (iOS) or Google Play Store (Android). Avoid downloading APK files or software from unverified websites, as they may contain malicious code that can bypass mobile device protections.

3. Keep your login information confidential

Users must absolutely keep personal information such as: full name, address, date of birth, ID number confidential. In addition, information about your bank account such as: account number and username for accessing electronic banking services must also be carefully secured.

Most of the current fraud cases are very sophisticated, users need to be more vigilant. Usually, the subject claims to be a bank employee, calling to invite customers to withdraw money/repay their credit card.

So to be safe, you should not provide information or check with the bank.

4. Do not set a password that is too simple and easy to guess.

Some banks encourage or even require users to use passwords with a variety of characters, specifically, the user's password must contain lowercase letters, uppercase letters, numbers, and special characters. Setting a simple password will be detrimental to the security of your account. You can also refer to some tips when setting a bank password below:

- Password must be long, over 8 characters.

- Have at least 1 number

- Contains special characters, such as @#$%()

- Contains at least one uppercase letter

5. Use multi-factor authentication

Enable two-factor authentication (2FA) for bank accounts and e-wallets. When making transactions, in addition to a password, the system will require an OTP code or biometric authentication, which helps increase security and reduce the risk of losing money due to fraud.

6. Be wary of requests for information

Do not provide personal information, account numbers, passwords or OTP codes via email, text messages or strange websites. Fake websites often create a sense of legitimacy but are actually intended to steal data to appropriate money and assets.

7. Scan and protect your device regularly

Use reputable security software to regularly scan your device, remove viruses and malware, and monitor applications that access personal information. If you accidentally visit a fake website, disconnect from the Internet, delete suspicious files, and notify the authorities.

Compliance with the above principles helps users improve information and asset security when transacting online, while limiting risks from fake websites, malware and high-tech fraud.

When detecting any suspicious website or application, please immediately notify the Information Technology Department (SBV) via hotline 0848.59.59.83 or email: antt@sbv.gov.vn for timely handling.

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Source: https://baolaocai.vn/7-cach-tranh-mat-tien-hieu-qua-post879739.html