{"id":10828,"date":"2015-12-14T09:00:38","date_gmt":"2015-12-14T14:00:38","guid":{"rendered":"https:\/\/www.kaspersky.com\/blog\/?p=10828"},"modified":"2020-02-26T11:04:43","modified_gmt":"2020-02-26T16:04:43","slug":"secure-online-finance-eight-tips","status":"publish","type":"post","link":"https:\/\/www.kaspersky.com\/blog\/secure-online-finance-eight-tips\/10828\/","title":{"rendered":"How to protect your money from online fraud"},"content":{"rendered":"<p>The more people that use credit cards, the bigger the number of criminals is that hunt their login credentials. Online fraud is a <a href=\"https:\/\/www.kaspersky.com\/blog\/luuuk\/5259\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">rather easy type of crime<\/a> as a criminal doesn\u2019t need to be physically fit, have highly adept social skills or even great programming experience. Lying on a sofa and releasing phishing sites and Trojan apps, cybercriminals wait while people bring their money to them. <\/p>\n<p><a href=\"https:\/\/media.kasperskydaily.com\/wp-content\/uploads\/sites\/92\/2015\/12\/06023456\/online-finance-10x10-FB.jpg\"><img decoding=\"async\" src=\"https:\/\/media.kasperskydaily.com\/wp-content\/uploads\/sites\/92\/2015\/12\/06023456\/online-finance-10x10-FB.jpg\" alt=\"How to protect your money from online fraud\" width=\"1280\" height=\"1280\" class=\"aligncenter size-full wp-image-10831\"><\/a><\/p>\n<p>However, if everybody knows and follows cybersecurity rules, cybercrime would become unprofitable and Internet-criminals might change their specialty and become lawful programmers, system administrators and designers.<\/p>\n<p>Yes, it sounds like a Utopia, but at least we have to try. Let\u2019s make the first step and learn, how to use online financial services securely. <\/p>\n<p>https:\/\/media.kasperskydaily.com\/wp-content\/uploads\/sites\/92\/2013\/08\/06050111\/10.gif<\/p>\n<p>1. The easiest way to come at user\u2019s password is not to steal it with malware but to deceive a user into turning it over. This approach is called <a href=\"https:\/\/www.kaspersky.com\/blog\/how-to-avoid-phishing\/6145\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">phishing<\/a>, and unfortunately, it\u2019s been widely used ever since Internet became available to the masses. <\/p>\n<p>That\u2019s why you should <strong>not tell anybody your PIN and CVV2 code<\/strong>, as well as login credentials for your Internet bank. Even to your best friend or a bank employee. Don\u2019t believe any emails from the bank, which ask you to enter this information \u2014 they are false. <\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">What is phishing and why should you care? Find out <a href=\"https:\/\/t.co\/eNlAvarhAy\" target=\"_blank\" rel=\"noopener nofollow\">https:\/\/t.co\/eNlAvarhAy<\/a> <a href=\"https:\/\/twitter.com\/hashtag\/iteducation?src=hash&amp;ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener nofollow\">#iteducation<\/a> <a href=\"https:\/\/twitter.com\/hashtag\/itsec?src=hash&amp;ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener nofollow\">#itsec<\/a> <a href=\"https:\/\/t.co\/EJc6vW8YUX\" target=\"_blank\" rel=\"noopener nofollow\">pic.twitter.com\/EJc6vW8YUX<\/a><\/p>\n<p>\u2014 Kaspersky (@kaspersky) <a href=\"https:\/\/twitter.com\/kaspersky\/status\/675390994137894912?ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener nofollow\">December 11, 2015<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>2. Before logging in and entering your banking credentials, make sure that you are not using a fake website with unprotected connection. The URL of a fake site can be misspelled or include an additional symbol, like bankoffamerica.com instead of bankofamerica.com. <\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">How <a href=\"https:\/\/twitter.com\/hashtag\/cybersavvy?src=hash&amp;ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener nofollow\">#cybersavvy<\/a> are you? Find out in our quiz: <a href=\"https:\/\/t.co\/DgDPNu9P47\" target=\"_blank\" rel=\"noopener nofollow\">https:\/\/t.co\/DgDPNu9P47<\/a> <a href=\"http:\/\/t.co\/4DhyKTxSKQ\" target=\"_blank\" rel=\"noopener nofollow\">pic.twitter.com\/4DhyKTxSKQ<\/a><\/p>\n<p>\u2014 Kaspersky (@kaspersky) <a href=\"https:\/\/twitter.com\/kaspersky\/status\/648882239011426304?ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener nofollow\">September 29, 2015<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script> <\/p>\n<p>You can distinguish protected (or encrypted) connection by two signs: lock symbol, given before the address bar, and <strong>https:\/\/<\/strong> (with \u201cs\u201d letter, not simple http) prefix in the beginning of website\u2019s URL.<\/p>\n<p><a href=\"https:\/\/media.kasperskydaily.com\/wp-content\/uploads\/sites\/92\/2015\/12\/06023455\/https.jpg\"><img decoding=\"async\" src=\"https:\/\/media.kasperskydaily.com\/wp-content\/uploads\/sites\/92\/2015\/12\/06023455\/https.jpg\" alt=\"How to protect your money from online fraud\" width=\"509\" height=\"111\" class=\"aligncenter size-full wp-image-10832\"><\/a><\/p>\n<p>3. Always <strong>logout<\/strong> of all financial services before you close a browser tab or click the Back button. If you can, <strong>never conduct any financial transactions via public Wi-Fi<\/strong> in cafes, hotels or restaurants. <\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">8 security rules for public Wi-Fi users \u2013 <a href=\"https:\/\/t.co\/MWPhQjUUZl\" target=\"_blank\" rel=\"noopener nofollow\">https:\/\/t.co\/MWPhQjUUZl<\/a> <a href=\"https:\/\/twitter.com\/hashtag\/security?src=hash&amp;ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener nofollow\">#security<\/a> <a href=\"https:\/\/twitter.com\/hashtag\/besafe?src=hash&amp;ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener nofollow\">#besafe<\/a> <a href=\"https:\/\/twitter.com\/hashtag\/ittips?src=hash&amp;ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener nofollow\">#ittips<\/a> <a href=\"https:\/\/t.co\/lMdRQTLdSo\" target=\"_blank\" rel=\"noopener nofollow\">pic.twitter.com\/lMdRQTLdSo<\/a><\/p>\n<p>\u2014 Kaspersky (@kaspersky) <a href=\"https:\/\/twitter.com\/kaspersky\/status\/673881099358089216?ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener nofollow\">December 7, 2015<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script> <\/p>\n<p>4. To improve security you should <strong>use separate cards<\/strong>: one with low balance \u2014 to pay on the Internet and another \u2014 to keep your savings. Both plastic and virtual cards will do to make online transactions, but virtual ones are usually cheaper. You can also use PayPal or any other financial service, but make sure that it is reliable.<\/p>\n<p>5. You should <strong>use strong and unique passwords<\/strong> and <a href=\"https:\/\/www.kaspersky.com\/blog\/what_is_two_factor_authentication\/5036\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"><strong>two-factor authentication method<\/strong><\/a> to protect your financial accounts. In fact, <a href=\"https:\/\/www.kaspersky.com\/blog\/false-perception-of-it-security-passwords\/7036\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">it\u2019s not hard to remember several reliable combinations<\/a>. But if you are sick and tired of passwords, give a try to a <a href=\"https:\/\/www.kaspersky.com\/password-manager\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">good password manager<\/a>. <\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">How strong is your <a href=\"https:\/\/twitter.com\/hashtag\/password?src=hash&amp;ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener nofollow\">#password<\/a>? Check it here: <a href=\"http:\/\/t.co\/9ILaxq503k\" target=\"_blank\" rel=\"noopener nofollow\">http:\/\/t.co\/9ILaxq503k<\/a>  <a href=\"https:\/\/t.co\/P9Pm0SGc4n\" target=\"_blank\" rel=\"noopener nofollow\">https:\/\/t.co\/P9Pm0SGc4n<\/a> <a href=\"https:\/\/twitter.com\/hashtag\/internet?src=hash&amp;ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener nofollow\">#internet<\/a> <a href=\"https:\/\/twitter.com\/hashtag\/security?src=hash&amp;ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener nofollow\">#security<\/a> <a href=\"https:\/\/twitter.com\/hashtag\/infosec?src=hash&amp;ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener nofollow\">#infosec<\/a><\/p>\n<p>\u2014 Kaspersky (@kaspersky) <a href=\"https:\/\/twitter.com\/kaspersky\/status\/634790730138054656?ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener nofollow\">August 21, 2015<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>6. Unfortunately, there are no universal solutions, and even an SMS with a secret code is not an exception. There are some mean Trojans that disguise themselves as useful mobile apps and intercept messages from banks. Nobody is protected against them, even those users who download apps from App Store and Play Store only. That\u2019s why it is so important to install <a href=\"https:\/\/www.kaspersky.com\/advert\/multi-device-security?redef=1&amp;THRU&amp;reseller=gl_KDpost_pro_ona_smm__onl_b2c_kasperskydaily_lnk____kismd___\" target=\"_blank\" rel=\"noopener nofollow\">reliable security solutions<\/a> to smartphones and tablets, just as to laptops and PCs.<\/p>\n<p>7. Have you ever heard of key loggers? They are similar to malware described in the previous paragraph, but key loggers infect Windows and Mac, not mobile OS. <a href=\"https:\/\/www.kaspersky.com\/blog\/keylogger\/1573\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">It\u2019s hard to track a key logger<\/a>, as most of the time such Trojans act wisely and stealthily record every keystroke made on the device. <\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">What is a keylogger? Read this blog by <a href=\"https:\/\/twitter.com\/DennisF?ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener nofollow\">@DennisF<\/a> to learn more and understand how to protect your device <a href=\"http:\/\/t.co\/m5ddthoK1V\" target=\"_blank\" rel=\"noopener nofollow\">http:\/\/t.co\/m5ddthoK1V<\/a><\/p>\n<p>\u2014 Kaspersky (@kaspersky) <a href=\"https:\/\/twitter.com\/kaspersky\/status\/320264793325981696?ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener nofollow\">April 5, 2013<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>You can protect yourself from key loggers with the help of the on-screen keyboard. <a href=\"http:\/\/windows.microsoft.com\/en-us\/windows\/type-without-keyboard#type-without-keyboard=windows-7\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Here<\/a> Microsoft explains how to turn it on for Windows. To activate the onscreen keyboard in OS X, you need to go to the System Preferences \u2014&gt; International icon \u2014&gt; Input Menu \u2014&gt; Keyboard Viewer and check the <strong>Show input menu in menu bar<\/strong> option. After that you\u2019ll be able to turn the keyboard on using the \u2018International\u2019 (flag) icon near the upper right corner of the menu bar.<\/p>\n<p>8. Trojans are different: some of them spy after your keystrokes; others have learned to make screenshots. Thereby fans of the \u2018Show Password\u2019 option are at risk. The best way to protect yourself from this whole zoo of threats is to use a <strong>good security solution<\/strong>. <\/p>\n<p>For example, <a href=\"https:\/\/www.kaspersky.com\/advert\/multi-device-security?redef=1&amp;THRU&amp;reseller=gl_KDpost_pro_ona_smm__onl_b2c_kasperskydaily_lnk____kismd___\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Kaspersky Internet Security<\/a> and <a href=\"https:\/\/www.kaspersky.com\/advert\/total-security-multi-device?redef=1&amp;THRU&amp;reseller=gl_KDpost_pro_ona_smm__onl_b2c_kasperskydaily_lnk____ktsmd___\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Kaspersky Total Security<\/a> have built-in components, called <a href=\"https:\/\/www.kaspersky.com\/blog\/kaspersky-safe-money-2016-settings\/10325\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Safe Money<\/a> and <a href=\"https:\/\/www.kaspersky.com\/blog\/tip-of-the-week-2016-protected-browser\/10586\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Protected Browser<\/a>. They enable protection against unapproved screenshots and data interception, and check whether you are going to use a phishing site. <\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\"><a href=\"https:\/\/twitter.com\/hashtag\/Lifehack?src=hash&amp;ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener nofollow\">#Lifehack<\/a>: Treat your passwords as delicately as you treat your underwear <a href=\"https:\/\/t.co\/D7dUnLC8z3\" target=\"_blank\" rel=\"noopener nofollow\">https:\/\/t.co\/D7dUnLC8z3<\/a> <a href=\"https:\/\/t.co\/OsMU987fwy\" target=\"_blank\" rel=\"noopener nofollow\">pic.twitter.com\/OsMU987fwy<\/a><\/p>\n<p>\u2014 Kaspersky (@kaspersky) <a href=\"https:\/\/twitter.com\/kaspersky\/status\/669850666857295872?ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener nofollow\">November 26, 2015<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>Remember these eight tips, follow them while making online transactions \u2014 and it will be harder for cybercriminals to steal your money. As a rule, fraudsters are rather lazy so it would be easier for them to forget about you and go looking for another victim. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Lack of cybersecurity knowledge can lead to the loss of money due to online banking fraud. Follow these eight rules to protect your money from cybercriminals<\/p>\n","protected":false},"author":522,"featured_media":10830,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,9],"tags":[1161,1338,180,1321,192,179,97,131],"class_list":{"0":"post-10828","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news","8":"category-tips","9":"tag-finance","10":"tag-internet-bank","11":"tag-kaspersky-internet-security","12":"tag-online-transactions","13":"tag-protection","14":"tag-safe-money","15":"tag-security-2","16":"tag-tips"},"hreflang":[{"hreflang":"x-default","url":"https:\/\/www.kaspersky.com\/blog\/secure-online-finance-eight-tips\/10828\/"},{"hreflang":"en-us","url":"https:\/\/usa.kaspersky.com\/blog\/secure-online-finance-eight-tips\/6411\/"},{"hreflang":"es-mx","url":"https:\/\/latam.kaspersky.com\/blog\/secure-online-finance-eight-tips\/6461\/"},{"hreflang":"es","url":"https:\/\/www.kaspersky.es\/blog\/secure-online-finance-eight-tips\/7365\/"},{"hreflang":"it","url":"https:\/\/www.kaspersky.it\/blog\/secure-online-finance-eight-tips\/7068\/"},{"hreflang":"ru","url":"https:\/\/www.kaspersky.ru\/blog\/secure-online-finance-eight-tips\/10211\/"},{"hreflang":"pt-br","url":"https:\/\/www.kaspersky.com.br\/blog\/secure-online-finance-eight-tips\/5833\/"},{"hreflang":"de","url":"https:\/\/www.kaspersky.de\/blog\/secure-online-finance-eight-tips\/6591\/"},{"hreflang":"ja","url":"https:\/\/blog.kaspersky.co.jp\/secure-online-finance-eight-tips\/9844\/"},{"hreflang":"ru-kz","url":"https:\/\/blog.kaspersky.kz\/secure-online-finance-eight-tips\/10211\/"},{"hreflang":"en-au","url":"https:\/\/www.kaspersky.com.au\/blog\/secure-online-finance-eight-tips\/10828\/"},{"hreflang":"en-za","url":"https:\/\/www.kaspersky.co.za\/blog\/secure-online-finance-eight-tips\/10828\/"}],"acf":[],"banners":"","maintag":{"url":"https:\/\/www.kaspersky.com\/blog\/tag\/tips\/","name":"tips"},"_links":{"self":[{"href":"https:\/\/www.kaspersky.com\/blog\/wp-json\/wp\/v2\/posts\/10828","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kaspersky.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kaspersky.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kaspersky.com\/blog\/wp-json\/wp\/v2\/users\/522"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kaspersky.com\/blog\/wp-json\/wp\/v2\/comments?post=10828"}],"version-history":[{"count":2,"href":"https:\/\/www.kaspersky.com\/blog\/wp-json\/wp\/v2\/posts\/10828\/revisions"}],"predecessor-version":[{"id":33614,"href":"https:\/\/www.kaspersky.com\/blog\/wp-json\/wp\/v2\/posts\/10828\/revisions\/33614"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kaspersky.com\/blog\/wp-json\/wp\/v2\/media\/10830"}],"wp:attachment":[{"href":"https:\/\/www.kaspersky.com\/blog\/wp-json\/wp\/v2\/media?parent=10828"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kaspersky.com\/blog\/wp-json\/wp\/v2\/categories?post=10828"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kaspersky.com\/blog\/wp-json\/wp\/v2\/tags?post=10828"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}