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May 17, 2017

Tips for Safe Mobile Banking

As smartphones begin to incorporate payment technology, the ability to plan finances on the go has become a tempting option. However, phones can be an easy target for fraudsters looking to break into your savings. Here are some tips that will reduce your vulnerability when mobile banking.

Don’t follow links
No bank should ever send you texts with embedded links to log into your mobile account. If you receive something along these lines, delete it – it could well be a phishing attempt.

Avoid public Wi-Fi links
Where possible, conduct mobile banking in a place with a secure Wi-Fi connection. Public connections can often offer weak security, so if you’re on the go and need to bank, consider switching from the Wi-Fi to cellular data.

Use official apps and check paper statements regularly
Most British banks offer official banking apps – Lloyds TSB, Nationwide and Barclays all have these services. It’s also worth making sure that you still check paper and in-store statements from time to time, just to ensure that everything is as it seems.

Consider a phone erase lock
In terms of security, it’s best not to keep your mobile banking details programmed into your phone, in case of loss or theft. However, if you do need to store your details, perhaps consider applying a lock to your phone that deletes its content after too many wrong passcodes, keeping your personal data safe from unwanted eyes.