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Protect yourselfa*gainst cyber crimes.
In this day of digital age, cyber fraud is on the rise. Nonetheless, there are pro-activemeasures that you can take to stay secure when banking online and making transactions via the internet.
5 ways toprotect yourself from cyber fraud, and to conduct Internet Banking safely
Every 3 seconds, a cyber-fraudcrime is committed, ranging from identity theft to phishing and hacking. It may be constantly evolvingbut the counter measuresagainst cyber fraud are advancing as well.
Make sure you're in the right site
These are the ONLY URLs you should be accessing:
RHB GroupWebsite - https://www.rhbgroup.com/index.html
RHB Now Internet Banking -https://logon.rhb.com.my
Make sure log in securely
Secret Word - Upon entering your Username, look for the rightSecret Word that appears onthe screen. Only then you should proceed further steps.
One-TimePassword (OTP) - Nevershare your OTP when you receive it via SMS.
Don't ignore your device's autoupdate prompt
Be sure to regularly update your device, so that you can prevent hackers from takingadvantage of software vulnerabilities.
Think before you click!
Never reply to emails or visit non-secured websites that ask you to verify your information orconfirm your Username orPassword.
If it's too good to be true, usually yes it is
"Free" software such as screen savers or smileys, and contests that you've surprisingly won areusually bundled withmalware.
What you need to do to avoid malware and phishing
Malware or malicioussoftware is one of the biggest threats on the internet. With so many different types around, you need toavoid falling victim tothis form of cyber attack.
What is malware?
Think of malware as a hijacker – amalicious programme that takes over your browser, or worse, your computer or mobiledevice.
How toavoid it?
Install anti-virus/malware software
Thisis a must-have first step inkeeping your device malware-free. And remember to keep them up to date, and run regularscans.
Think before you click!
Don't open an email attachment from a source that you are unfamiliar with. Runalldownloaded files by your anti-virus/malware software before opening.
Only download apps from alegitimate app store
Read user reviews to confirm the app is safe. Check the privacypolicy to make sure that yourpersonal information is not shared.
What is phishing?
Phishing is a form of cyber fraud in which the attacker 'fishes' for informationsuch as login credentials or account information.
How to avoidit?
Guard yourself against spam
Be cautious of emails that come from unrecognised senders, and ask you forpersonal orfinancial information.
Be careful of external links
Nevergo to your bank's website byclicking on links included in emails. Always type in the URL into your browser.
Enter your data insecure websites only
In order for a site to be safe, it must begin with https://, andyour browser should show an iconof a closed lock.
6 safety tips to avoid Internet Banking fraud
Internet Banking fraud is an ever-presentand increasing threat to both individuals and companies. Knowing fraudsters use sophisticatedtechnology, it pays to stay wellalert of the risks and knowing all the safety measures.
Make sure the website address is secure
The URL must begin with a https://, and your browser must show anicon of a closed padlock.
Always check your Secret Word
After entering your username, be sure to check that the Secret Word displayed on screen is thecorrect one.
Create a strong password
Avoid using common words or phrases, and never create a password that contains details from yourname, initials, or date ofbirth.
Reconfirm transactions via One-Time Password (OTP)
Ensure that you receive your OTP via SMS. This security feature confirms that it is indeed youwho is performingthe transaction.
Always log out when you are done
This will lessen your chances of falling prey to session hijacking and cross-site scriptingexploits.
Review your transaction records regularly
By monitoring your online transaction and transfer records, you can keep track of anydiscrepancies thatmay occur.
5 telltale phone scam signs and how to avoid them
Every year, thousandsof people fall prey to phone scams. Know their latest tactics and telltale signs so you can protect yourmoney and informationeffectively.
You've won! But only after you pay
You're notified thatyou've won a contest – but in order to receive your prize, you'll have to pay for delivery,processing, taxes, duties, or someother fee.
It sounds too good to be true
Congratulations, you've won first prize in a contest that you never entered. Or you're beingoffered a once-in-a-lifetimeinvestment that guarantees a huge return.
“We'll need your credit cardnumber”
Banks do not require these details unless you are using that specific method of payment.
Payment is via cash only
Fraudulent telemarketers often ask for acash payment, rather than a cheque or credit card, because cash is untraceable and can't becancelled.
A limited opportunity that you cannot miss
If you're pressured to make a bigfinancial transaction
immediately, it's probably not legitimate.
How to avoid them
Hang up on suspected phone scammers.
Ignoresuspicious SMSes.
Never disclose your:
- Internet banking username and password
- ATM pin
- Full personal details unless you’re sure whom you are talking to
Know more about OTP fraud and how to avoid it
OTP Fraud is another formof cyber fraud. OTP (One Time Password) is the six-digit number sent to a bank account* owner's mobilephone to verify atransaction. OTP Fraud occurs when the victim receives an OTP that they did not request. The scammerswill then call the bankaccount owner, claiming that the OTP is actually for them and that it had been wrongly sent to thevictim due to a mistake whileregistering their mobile phone number. They will request the victim via SMS / Whatsapp / call to forwardthem the OTP number. Oncethey have it, the scammers will steal the victim's money through their own OTP.
How to protect against OTP fraud
OTP Fraud is a formof cyber frauds whereby the scammers attempt to perform a transaction.
OTP number will still be sentto the victim's mobile phone. The scammers will then call the victim, claiming that the OTPnumber was sent wrongly and ask thevictims to read out the code to them. Once scammers obtained the OTP number then scammersstealing victim's money through theirown OTP number.
How can you protect yourself?
If you receive such messages,ignore them.
Don't entertain calls or respond to SMS from unknown person asking for your informationdetails.
Don't reveal your account information, login ID, password and OTP to a 3rd party. If indoubt,always call the official RHB Call Centre.
Change your online banking password immediately if you suspect ithas been compromised to a 3rd party.
Safeguard your OTP Number at all times.
Never revealthe OTP/TAC number to a 3rd party, especially if you receive one that you didn't request for.
Alwaysensure the OTP/TAC that you receive matches your request while performing an RHB Nowtransaction.
For avoidance of doubt, RHB Islamic Bank only promotes and manages promotions inrelation to RHB Islamic Bank products and its related proposition only.
*Protected by PerbadananInsurans Deposit Malaysia(PIDM) up to RM250,000 for each depositor.
Member of PIDM.
RHB Bank Berhad 196501000373 (6171-M) | RHBIslamic Bank Berhad 200501003283 (680329-V)
