Latest Threats

Latest Threats

Guard against security threats

We're committed to help you understand the latest online threats better, so that you can protect yourself and stay ahead of scammers.

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show/hideHow do I know if my computer is infected with malware?

If your computer has been infected with malware, you will be prompted to enter your username, password and the additional SMS login pin (ALP) all at one time in the same screen. Upon entering all your details, you will be redirected to a webpage with the following message:

"We are checking your security settings. Every step may take 1-10 minutes. Please be patient and don't close or reload the page while we are checking the information."

  • The abovementioned login method differs from our two-step authentication process whereby you key in your username and password first, and after authentication you’ll see a different screen – which you'll then be prompted to enter your SMS PIN. This is known as our 2nd Factor Authentication process.
  • Logging into online banking is a quick and seamless process. Once you have entered your details, you will be directed straight to your online banking account. If you receive any message or experience delays from the moment you log in your details to the moment you access your information, close your Internet browser immediately and contact us via the number listed on the back of your card or bank statement.

Legitimate Online Banking Page

Legitimate online banking login page Step 2 of online banking

Know your threats

show/hideWhat is a malware, spyware, adware or Trojan?

The terms malware and spyware refer to any piece of software installed on your computer without your permission. Once installed, the software collects information or interrupts traffic to web sites and other critical services.

What is malware
  • Malware refers to software that causes damage to your computer
  • Spyware gathers information from your computer without your knowledge
  • Adware installs software that displays advertisements on your computer
  • Trojans specifically refer to software that, once installed, secretly installs another piece of software.

What do they do?

Once installed, a piece of software may activate viruses that:

  • Interrupt and disable basic system operations
  • Capture and transmit keystrokes that may reveal passwords and other information
  • Capture and send emails and other personal information
  • Hijack your network connection, and then use it to send more malware.

How does it work?

Most of the time, customers install malware or adware by accident when they click on a link they find in an email message or web page. Malware or spyware may also be unknowingly installed with software from an unreliable source. Such malware or spyware may even be installed together with dubious anti-virus software.

What can you do to protect yourself from malware/spyware?

Real protection from malware and spyware require both technology and knowledge on what to look out for when you use the Internet.

  • Install and run reliable anti-spyware/anti-virus software. Be aware of the installation process and do not click on links that direct you to download other software.
  • Make sure you are accessing links only from trusted sources.
  • Monitor the performance of your machine carefully. If it starts to run slowly, or web traffic begins to behave erratically, run a scan immediately.
show/hideWhat are viruses?

Viruses are small software applications designed to cause damage to the information on your computer. They may also try to gather sensitive information which can allow others to gain access to your accounts. Like viruses passed between humans, computer viruses usually spread from customer to customer.

What are viruses

What do they do?

Some viruses are malicious, designed to corrupt files and cause problems. Some may attempt to access your email or contacts and try to replicate your email identity, while others may look for sensitive information stored on your computer.

How does it work?

Most viruses are spread through emails or shared files. When a customer clicks on a link, thinking that they’re opening a photograph or website, the virus gets activated and goes to work right away, causing trouble.

How can I protect myself from viruses?

Your best defence against computer viruses is to keep your anti-virus software updated regularly.

  • New viruses are constantly being created.
  • Developers of anti-virus software are constantly updating their virus definitions to tackle new threats.
  • Your anti-virus software needs to be updated with these new definitions to protect your computer against the latest threats.

Be careful about opening links and files that show up in your inbox. People can send viruses without knowing that they’ve been infected, so even emails from family and friends should be handled carefully.

  • Use an email program that scans email attachments for viruses.
  • Never open email attachments or links from unknown senders.
  • Be careful of emails that contain links to external content or downloads, and never click on links that end with ".php" or ".exe" unless they’re from a trusted source.
show/hideWhat is phishing?

Phishing refers to any attempt to gain personal information through fraud or deceit. It may come in the form of an email that appears to be sent by your bank asking you to confirm your PIN, or it can even be a phone call asking you for your personal account information.

What is phishing
  • Vishing scams use phone calls instead of email - and VOIP phones are favored because they are hard to trace and track.
  • SMSishing scams use SMS text messages instead of phone calls or email messages.

What do they do?

Phishing is an attempt to gather personal or account information that will allow someone to access your accounts and ultimately your money. The scammer relies on victims who do not pay careful attention. They will send hundreds of messages out, waiting for just a few replies.

How does it work?

Phishing works by convincing you that the email, phone call, or SMS message sent to you was from your bank or another authority. The message will usually explain that some part of your account information needs to be updated. The customer either replies or visits a fraudulent web site – both allowing criminals access to your important information.

What can I do to protect myself from phishing?

  • Never reply to unsolicited correspondence.
  • Do not access important websites via unfamiliar links. Always access online banking by typing in the web address into your Internet browser.
  • Always check that there is a padlock icon at the bottom right hand corner of your browser during your online banking session.

We'll never request for your account information and password over the phone or email. We'll also never direct you to a site to input your username and password. Your password and your PIN are private to you – never reveal them to anyone.

show/hideWhat is spam?

Spam refers to any unwanted email or SMS message you receive. Most spam is simply correspondence which you didn’t request for, mostly advertising and marketing materials. It is annoying, but they are no real security threats as long as you do not respond or click on any links provided in unsolicited emails.

What is spam

What’s next?

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Read our simple tips to help protect yourself online.

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