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Electronic Banking Safety and Security

 

   

At Al Baraka Bank, we consider it a priority to ensure that you are aware of fraud trends and to provide you with adequate information and safety tips to protect yourself from criminals. Please read the following information to ensure that you are protected.

Be careful when using your card and take note of the following warning signs:

  • A shop assistant takes your card out of your sight in order to process your transaction
  • You are asked to swipe your card through more than one machine
  • You see a shop assistant swipe the card through a different machine to the one you used
  • You notice something suspicious about the card slot on an ATM (example: an attached device)
  • On Al Baraka ATMs and a number of other banks’ ATMs, the card slots have a green flashing light and if the ATM has been tampered with, one of the globes will not flash, which could indicate that a skimming device has been attached
  • You notice unusual or unauthorised transactions on your account

Important:
It is safer to stop your card than have funds stolen from your account. Should you feel that your pin has been compromised, please call Customer Services on 0860 225 786 to stop your card.

Anti-fraud and safety tips

  • Report a lost or stolen card immediately by calling Al Baraka Bank’s Customer Service Centre on 0860 225 786
  • Do not give your pin to anyone. No bank official or Customer Services agent will ever request your pin, as your pin is only for you to know
  • Never write your pin on your card and/or keep your pin and debit card together. Always protect the secrecy of your pin
  • Do not trust strangers or ask them for assistance when at an ATM

Protect yourself from Card-skimming

  • Keep your debit card safe. Do not write your pin on your card and never keep your pin and card together
  • Do not share your pin with anyone
  • Do not let your card out of your sight
  • If a person walks away with your card to process a transaction, insist for the point-of-sale device to be brought to you. If this is not possible, hold on to your card and accompany the person to the point-of-sale device and only then hand your card to the person to process your transaction
  • Cover the pin pad when entering your pin on any device. Ensure that people around you cannot view your pin
  • Try to use the same ATM for your transactions and be familiar with the look of the ATM. This will assist you in detecting if anything is out of place
  • Be aware of your surroundings and of suspicious characters   loitering around the ATM area. Be very cautious if you find that the ATM you are using has   suddenly built up a queue of people behind you, waiting to use the ATM
  • Lower your daily withdrawal limit
  • If you are disturbed/ approached by someone at the ATM, do not continue with the transaction. Never accept assistance at an ATM or POS, even if the person looks like a bank official or security guard
  • Check your statements regularly via internet banking. If you see a transaction you cannot explain, report it immediately
  • Choose passwords that would be difficult for anyone else to guess. If your card has been skimmed and fraudulent transactions have been processed, immediately call Customer Services on 0860 225 786 and stop your card. The incident should be reported to your nearest branch or Customer Services.
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WARNING SIGNS

  • A shop assistant takes your card out of your sight in order to process your transaction
  • You are asked to swipe your card through more than one machine
  • You see a shop assistant swipe the card through a different machine to the one you used
  • You notice something suspicious about the card slot on an ATM (e.g. an attached device)
  • On Al Baraka ATMs and a number of other banks’ ATMs, the card slots have a green flashing light and if one of the globes does not flash it could indicate that the ATM has been tampered with and that a skimming device may have been attached.
  • You notice unusual or unauthorised transactions on your account

EMAIL SPAM

Please be vigilant of scam e-mails which appear to be sent from Financial Institutions or other organisations. In this regard, there have been various warnings in the print media cautioning consumers against providing personal and banking details via e-mail or telephone without verification from your relevant financial service provider.

Kindly note that Al Baraka Bank will never request our clients to confirm or provide ANY personal or banking details via a SMS or e-mail message. Al Baraka Bank urges our clients to ignore any such messages.

Points to remember:

·     Financial Institutions will never request you to update or verify your personal log on information via e-mail, telephonic or sms.

·     Be wary of hyperlinked content which may be linked to an inappropriate site.

·     Never divulge banking details unless within a secure and reputable e-commerce site/environment.

·     Secure sites are identifiable by the prefix https:\\ in the URL or address bar.

·     A lock icon appearing in the browser generally indicates a secure site.

Should you receive any suspicious mail and are not sure about the content, please contact Al Baraka Bank Customer Service on 0860 225 786

 

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Page last updated: 2012-10-17 | version: 10

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Albaraka Bank Ltd Reg No 1989/003295/06. Albaraka Bank Ltd subscribe to the Code of Banking Practice of The Banking Association South Africa and, for unresolved disputes, support resolution through the Ombudsman for Banking Services. Albaraka Bank Ltd are an authorised financial services provider. Albaraka Bank Ltd is a registered credit provider in terms of the National Credit Act, 34 of 2005 (NCR Reg No NCRCP14).  An Authorised FSP No.: #4652