Category: Money Matters
Chapter Select
Sub category: Security
18 January 2019

Secure your banking with this quick checklist

Personal finance has become more convenient than ever before. Want to check your balance on your trip overseas? No worries. Change your Orange Everyday or Orange One PIN on the fly? Easy. You can access everything from everywhere at the tap of a finger.

With so many possibilities for your banking, it’s important to make sure your account and information are protected from all angles.

Here’s a quick checklist with easy actions you can take to make sure that your banking details and money will be safe and sound. 

1. Protect your access codes and PINs

From your PIN to your ING access code, there are a few numbers associated with your banking you need to keep safe. Not to worry though – there are some simple steps you can take to make them more secure.

Check on your access codes and PINs to make sure they don’t have any of the following:

  • Repeated numbers
  • Ascending or descending numbers
  • Numbers associated with your birth date
  • Your name or similar word spelled out

If they do, it might be a good time to refresh them. You can change your Orange Everyday or Orange One card PIN easily in the ING app with just a few taps.

Make sure you don’t write down your access code or PIN. It’s never too late to start forming good PIN protection habits as well, like covering it if you’re entering it into an ATM or card receiver

2. Keep your identity in check

There are lots of ways that scammers can take advantage of people to receive personal information that they can use to hack your accounts.

Watch out for phishing emails, where scammers try to get your personal information with an email or text that seems like it is from a reliable source. Another tactic potential identity thieves use is to leave a voicemail asking you to call back immediately. Here’s what you can do to make sure you don’t give any information to these tactics.

  • Treat any digital communication and voicemail asking for personal or financial information with caution. Never give your personal information over the phone if you’re unsure.
  • If something seems suspicious and claims to be from an official organisation, screenshot the interaction and send it to the real organisation to confirm its validity.
  • Check the email address for strange spellings or numbers. 

3. Check in on your statements

This one’s a quick one, and is part of good budget keeping as well – make sure you check your statements regularly. Unauthorised transactions can be small and go undetected, so keep an eye out for anything that seems suspicious.

4. Secure your devices

We can access our banking on a lot of different devices, so try to keep your devices updated with the right security tools.

Install anti-virus software on your computer and keep it updated. Start regularly scanning your computer for viruses.

Look into a personal firewall on your computer to create a security barrier between your computer and the internet. Have a look around to see which product works best for you. Comodo is free to download for instance.

Avoid using online banking on public computers, such as in uni libraries, internet cafes, etc.

If you need to brush up on any security tips, check out our FAQ page on keeping your account secure, and don’t forget that it’s easy to secure your ING Orange Everyday or Orange One card in our app.

If you’re feeling confident and security savvy, take our quiz to test your skills.

The information is current as at publication. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Deposit products, savings products, credit card and home loan products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823. ING Living Super (which is part of the ING Superannuation Fund ABN 13 355 603 448) is issued by Diversa Trustees Limited ABN 49 006 421 638, AFSL 235153 RSE L0000635. The insurance cover offered by ING Living Super is provided by Metlife Insurance Limited ABN 75 004 274 882, AFSL 238096. ING Home and Contents Insurance is issued by Auto & General Insurance Company Limited (AGIC) ABN 42 111 586 353 AFSL Licence No 285571 as insurer. It is distributed by Auto & General Services Pty Ltd (AGS) ABN 61 003 617 909 AFSL 241411 and by ING as an Authorised Representative AR 1247634 of AGS. All applications for credit are subject to ING's credit approval criteria, and fees and charges apply. You should consider the relevant Product Disclosure Statement, Terms and Conditions, Fees and Limits Schedule, Financial Services Guide, Key Facts Sheet and Credit Guide available at ing.com.au when deciding whether to acquire, or to continue to hold, a product. Before interacting with us via our social media platforms, please take a minute to familiarise yourself with our Social Media User Terms https://www.ing.com.au/pdf/Social_Media_User_Terms.pdf.

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