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Submission: On May 26 via api from US — Scanned from DE
Submission: On May 26 via api from US — Scanned from DE
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PRIVACY & SECURITY
SAFEGUARDING YOUR INFORMATION IS A SHARED RESPONSIBILITY
Our security procedures and Code of Ethics ensure utmost confidentiality at all
times of the information you entrusted to us. However, you also play an
important role in keeping this information secure. Browse through the tabs below
to find what you can do to enjoy banking convenience with absolute peace of
mind.
PAYMENT CARD INDUSTRY DATA SECURITY STANDARD
Emirates NBD Group focuses on serving and protecting customers, reliably
consistently, in the digital age.
Know more
Fight Fraud
Fraudsters could be targeting you – Together Against Fraudsters
As Emirates NBD, we thrive in providing our customers the finest banking
experience, it’s also our goal to ensure that they are safe from frauds. The UAE
Banks Federation and the Central Bank of the UAE have created a Public awareness
campaign against Fraud for the United Arab Emirates region.
If you believe that you are a victim to fraud, report your case to UAE Banks
Federation:
Types of fraud
Types of fraud
Report Fraud
ANTI-PHISHING
HOW TO GROW RICH DURING THE PANDEMIC
Most people believe that fraudsters are some distant creatures who prey only on
a select few. The start of the pandemic was a difficult time for the world,
nonetheless one man saw a golden opportunity to expand his business and increase
his earnings.
Learn more
#SECUREYOURACCOUNT
Protecting your identity matters at all times. Our latest film, "It Wasn't Me",
was created in collaboration with Dubai Police and brings you the do’s and
don’ts of keeping your identity and bank account secure at all times.
Watch the film to find out all the things a bank won’t ask, but a fraudster
will.
We're here to help.
#SecureYourAccount at all times.
Anti-Fraud Awareness
Committed to keeping you safe and informed
We engage our customers with constant awareness campaigns to secure their
accounts. Our #DontTakeTheBait campaign highlights smart ways on how to protect
yourself and secure your personal data amidst the growing threat of scams and
malicious frauds.
Writing the 4-digit year on cheques
In line with our continuous efforts to increase awareness about financial
security, we kindly advise you to be careful while writing the date on your
cheque.
As per UAE central bank advice, we recommend that you write the complete 4
digits of the year instead of 2 digits when issuing cheques. For example, 1
March 2023 instead of 1 March 23. This will ensure any fraudulent activities
such as manipulation of the cheque date are avoided.
Vishing
Be vigilant, do not disclose your personal information over the phone to anyone
Short for voice-based-phishing, 'Vishing' is a criminal mechanism where people
are lured to share their personal identity data and financial account
credentials over the telephone, either to an Interactive voice response (IVR)
machine or a person.
These calls always try to convince bank customers that there's an issue with
their banking account or debit/credit card or that they won a big amount in a
lottery/draw, which lure them to share personal details with them over the call.
Phishing
Be aware of spam emails, verify the source is safe before clicking on links or
email attachments
Phishing is a cybercrime in which a target or targets are contacted by email, by
someone posing as a legitimate institution to lure individuals into providing
sensitive data such as personally identifiable information, banking and credit
card details, and passwords.
It uses deceptive e-mails and websites to gain this personal information that is
then used to access important accounts and can result in identity theft and
financial loss.
Card Skimming
If you have any doubt about the authenticity of the ATM or the POS machine, do
not use it
Card skimming is the act of using a skimmer to illegally collect data from the
magnetic stripe of a credit, debit or ATM card. These skimmers are installed in
ATM or POS machines. This information, copied onto another blank card's magnetic
stripe, is then used by an identity thief to make purchases or withdraw cash in
the name of the actual account holder.
Check the ATM or the POS machine for any abnormalities and look for any unusual
or strange additions to the machine.
Security Tips
Safeguard your details and protect yourself from identity fraud
Email Security Tips
Use your email safely by keeping in mind the following
Learn to spot fake emails and fake websites
They set them up to con people into giving away passwords and bank details. The
technical word for this is 'phishing'.
For example, they might send you an email that looks like it comes from us and
it might contain a link to a website that looks like this one. When you try to
log on, they can steal your password. They could also ask you to make a phone
call or reply by email.
They are good at making their emails and websites look realistic. But you can
often spot the fake ones:
* Dodgy looking email or web addresses
* Poor design, typos or bad spelling
* They ask you to do something unusual
* A site doesn't display the padlock symbol in the address bar when you log in
If in doubt, check with us first. Avoid clicking on links in emails. A starting
point on protecting yourself online is to use the software we refer to from this
site. Rapport software and up-to-date web browsers block fake websites.
Minimise the use of attachments
Copy and paste text as often as possible.
Question unsolicited documents
Unsolicited bulk mail and commercial email can put you and your organisation at
risk. Questioning it means not opening it, not passing it on, and notifying your
system administrator immediately.
Never respond to spam email
For a spammer, one "hit" among thousands of mailings is enough to justify the
practice. Instead, if you want a product that is advertised in a spam email, go
to a Web site that also carries the product, inquire there, and tell them you do
not approve of spam methods and will not patronize a company that uses spammers.
Never respond to the spam email's instructions to reply with the word "remove"
This is just a trick to get you to react to the email -- it alerts the sender
that a human is at your address, which greatly increases its value. If you
reply, your address is placed on more lists and you receive more spam.
Never sign up with sites that promise to remove your name from spam lists
These sites are of two kinds: genuine AND spam address collectors. The first
kind is ignored (or exploited) by spammers, and the second is owned by them. In
both cases your address is recorded and valued more highly because you have just
identified it as read by a human.
Question executable programs received via email
This is a common means for passing on viruses. Do not open them, do not pass
them on, and notify your system administrator if you receive them.
Disable macros on your machine
To do this, you will need to open the application. On Word 2000, select Tools,
then select Macros, then select Security, and then checked High: Only signed
macros from trusted sources will be allowed to run. Unsigned macros are
automatically disabled
Make sure that file extensions are viewable
This will alert you to files of the following types: .exe, .vbs, and .shs. To
view file extensions in Windows select the Start menu, then select Settings,
then select Control Panel, then select Folder Options, then select View, then
UNCHECK the command that reads Hide File Extensions for Known file Types.
Notify the person you received an infected file from
This helps them correct the problem within their system before passing the virus
on to other users.
Monitor your transactions.
Review your order confirmations, credit card, and bank statements as soon as you
receive them to make sure that you are being charged only for transactions you
made. Immediately report any irregularities.
Don't reply to any e-mail that requests your personal information.
Be very suspicious of any business or person who asks for your password, PIN
(Personal Identification Number), or other highly sensitive information.
Keep your virus protection up-to-date
If you experience anything that arouses your suspicions, please intimate our
call center representative on +971 4 3160316
ATM Security Tips
Here are some of the ways by which you can protect yourself every time you use
your ATM
You should always be aware of the security when using an ATM and should always
follow these general tips to ensure your personal information is kept safe:
* Never disclose your Personal Identification Number (PIN) to anyone.
* Never write your PIN or Password on your ATM card or Credit card. Memorise
your PIN or Password.
* Never use an ATM with a blank screen.
* Do not force your card into the card slot.
* Stand close to the ATM and use your body and hand as a shield to make sure
nobody sees you keying in your PIN.
* Keep your hand over the card slot to make sure nobody can swap or take your
card.
* Follow the instructions on the ATM screen carefully.
* Do not insert your card until asked to do so by the display screen.
* Only put in your PIN when the ATM tells you to do so.
* Avoid drawing cash late at night or when you are alone.
* Leave the ATM immediately if you don't feel safe or you are suspicious of
individuals loitering around. Come back later or use another ATM.
* Never hurry when using an ATM. Make sure you are not distracted, intimidated
or rushed into your transaction.
* Never accept help from strangers when using an ATM. Always be wary of
strangers asking for help. While one distracts you the other steals your card
and money.
* Do not count your cash in front of the ATM.
* Avoid using ATMs in secluded areas after dark.
* If the ATM retains your card, cancel it immediately.
* Never allow a bystander to call the toll-free number on your behalf - they
could be tricking you into thinking your card has been stopped.
* Always check that it is your card you get back from the ATM.
* Be aware of the daily withdrawal limits on each of your cards and decrease
them if necessary.
* When using your cards at ATM's be alert that there are no additional devices
affixed on the card reader slot or keypad, and also ensure that no one can
see you punch the PIN number on the ATM keypad.
* Report lost or stolen cheques, ATM cards, or Credit Cards as soon as you
discover they are missing.
Online Banking Security
Protect your information every time you use
You have to protect your information at all times be it over the internet or
during your normal banking activities by simply following these tips:
Protect your Password and Personal Information:
* Do not use passwords that are easy to guess, e.g. your name, your date of
birth, your telephone number(s), etc.
* Use a combination of upper and lower case letters as well as numbers.
* Do not use share your password with anyone and do not use the same password
for other websites.
* Change your password frequently and never write it down.
* Always log into Internet Banking via our sites at the following addresses:
www.emiratesnbd.com and not through other links.
* Avoid logging into Internet Banking from Internet Cafes, Libraries or public
sites.
* Always close the window once you have logged out of your Internet Banking
session.
* Important: No one at Emirates NBD will ever ask you for your internet banking
password. If someone does ask you for it, they do not represent the Bank and
you should not under any circumstance provide this information.
Protect your Computer and Internet session:
* Never share your computer.
* Use a password on your PC to prevent unauthorised access to your information.
* Be wary of opening email messages from untrustworthy sources, especially if
they contain attachments.
* Do not reply to emails that request your personal information. They may
appear to come from a trusted friend or business, but they are designed to
trick you in disclosing sensitive personal information.
* Use personal firewalls and anti-virus software.
* Avoid downloading software such as screen savers, desktop themes, games, and
other executable type programs from websites that are obscure or
unidentifiable. These programs may contain Trojan viruses that would enable
hackers to monitor or take over your PC.
* Disable all unnecessary services running on your computer.
* Always verify that the site is the genuine Emirates NBD site.
* Do not leave your internet banking session unattended at any time.
* Before you start your internet banking session, ensure that all other
internet sessions are closed. If your internet banking session is open we
recommend that you do not open other internet browsers at the same time.
* Please contact our Customer Service Helpdesk on +9714 3160316 in case you
receive fraudulent emails or require any assistance using our Internet
Banking service.
Reporting Fraud
Follow the below guidelines if you faced fraud
Contact your bank(s) and credit card issuers immediately to ensure the following
are done:
* Access to your accounts can be protected
* Stop payments placed on missing cheques
* Personal Identification Numbers (PINs) and Online Banking Passwords changed
* Be sure to indicate to the bank or issuer all the cards and/or accounts
potentially impacted, including your ATM cards and credit cards.
* Review all recent transactions on your accounts linked to those cards.
Additionally, ensure that no one has requested an address change, title
change, PIN change, or ordered new cards or checks to be sent to another
address when appropriate.
Maintain a written chronology of what happened, what was lost, and the steps you
took to report the incident to the various sources. Be sure to record the date,
time, contact telephone number, person you talked to, and any relevant report or
reference number and instructions.
For further information or queries, please call 600 54 0000
Sim Swap
Protect yourself from online & mobile banking SIM Swap fraud
Emirates NBD Digital Banking Services use the latest technology standards to
protect your credentials from ever-evolving digital threats. However, as
customers it is equally important for you to be aware of the potential threats
and take necessary actions to protect yourself.
SIM SWAP is one such threat that you need to be aware of and be careful about
while using digital banking. Fraudsters try to get control of mobile numbers to
obtain authorization codes sent by banks to access digital channels and
authorize financial transactions. Find out what SIM SWAP is and how you can
protect yourself from fraudsters.
What is SIM SWAP? How does 'SIM Swap' fraud happen?
* SIM SWAP is where a fraudster compromises telecom operator processes and gets
the SIM Card of your registered mobile number without your knowledge and
authorization. In these cases, fraudsters use fake documents to get the SIM
CARD and use it in their mobile handsets. This enables them to access SMS
Authorization codes sent by banks for financial transactions.
* There are many ways that fraudsters use to get your personal information.
They may use phishing emailing or SMS techniques to get your Emirates ID/Visa
or Passport number, legal name, date of birth, address and registered mobile
numbers at the bank. Alternatively, they might collect your data from public
websites or your social media accounts. They will then contact your service
provider on your behalf to reactivate a new SIM card claiming your SIM card
is lost or damaged.
* As a result, all calls and text messages will be directed to the fraudster’s
phone, including one-time passwords for banking transactions. After receiving
a one-time password SMS, the fraudster tries to access your digital banking
credentials and conduct financial transactions.
How to detect a potential threat and protect yourself?
You can protect yourself by following the below steps:
* To avoid any SIM Swap fraud activity, we highly encourage you to use Smart
Pass feature available through our online and mobile banking platforms. By
using Smart Pass you can authorize your online/mobile banking transactions
independently from your local or international telecom operator. Click here
to know more about Smart Pass.
* If you stop receiving calls or texts and you don't know why, check with your
mobile operator immediately.
* Don’t share your online/ mobile banking passwords or any other personal
credentials with anyone. Remember, Emirates NBD never asks for your
credentials and personal information through SMS or e-mail and never reply to
e-mails or SMS that asks you to do so.
* Do not install applications from unknown sources to your mobile devices or
your computer. Please make sure that you are using a trusted anti-virus
software to protect your devices from potential viruses and malwares.
* We send all transaction details to you through SMS or email. Please keep a
close eye on your financial transactions.
* In case you suspect fraud or notice any suspicious transaction, call us
immediately on +971 600 54 00 00, and as a precautionary measure, change your
online/ mobile banking password, registered e-mail & mobile phone number with
the bank immediately.
* Refrain from publishing your personal details such as your phone number, date
of birth or details that you have provided to financial institutions for
verification purpose on any of the social media platforms.
* Try to use a different e-mail address for your financial transactions and
your social media accounts.
Update your browser
Modern browser software adds protection against fake websites.
The program you use to look at websites is called a web browser. Modern browsers
warn you if you visit fake websites and it is harder for viruses to infect them.
If you have updated your computer regularly, it is likely that you are already
running either the latest version of Microsoft Internet Explorer / Google Chrome
/ Mozilla Firefox (on Windows PCs) or Safari (on Macs). It is a good idea that
you install an up-to-date web browser. There are several to choose from and they
are all free.
Keep your software up-to-date
It's harder for viruses to infect updated software.
You can check if your Windows computer is up to date in the Action Center in
Windows 7. For Windows 10, the Update & Security link is located in the Windows
Settings menu.
* The criminals who create viruses take advantage of software bugs to infect
computers.
* Software companies fix bugs with free downloadable updates.
* It is a good idea that you install updates for your software as soon as they
become available.
* Be wary of fake emails about bogus updates. Use the update software that
comes with your computer - don't click on links in emails. As well as your
computer software, other programs need updating. This includes your web
browser and the applications you use. Most modern software will check for
updates automatically. You may want to install them as they become available.
Don't share private information online
Double-check privacy settings on social networking sites.
What's your mother's maiden name? What's the name of the first school you went
to? What was your favourite subject at school? What's your address? Birthday?
Phone number?
All this information is useful to people who want to steal your identity or
break into your online banking. You wouldn't give this information away to a
stranger on the street but if you use social networking sites, such as Facebook,
Twitter or MySpace, you could be over-sharing personal data.
You may want to think carefully about the information you put into your profiles
on sites like these. It is also a good idea that you check the privacy settings
on each site that you use to make sure you only share personal information with
people you trust.
Please also remember that you must take all reasonable precautions to keep your
details safe and prevent any unauthorised use of any cards and security details.
If any information forms part of your security details, you should make sure
that you do not disclose it to anyone else - see terms and conditions that apply
to your account(s) for more detail.
Look after your paper statements
Fraudsters use personal information from different sources to steal people's
identities.
Viruses are one way to do it. But they also use paper documents of your accounts
containing personal details, such as receipts and bank statements.
Fraudsters use many methods such as searching in dustbins to obtain these
documents. You should take simple precautions to keep your details safe and to
dispose of these documents safely, such as shredding them before you bin them.
Understand how criminals use the internet
Criminals are in it for the money
There are many ways for them to make money online:
* Steal your passwords and bank details with viruses, fake emails and fake
websites
* Ask you to provide security details
* Send spam with bogus offers and products
* Take over your computer and use it to attack other people's computers
* Use viruses to display unwanted adverts on your PC
We take your online banking security and privacy very seriously. Protecting
yourself and your money takes a bit of know-how and the right software.
Avoid online fraud and con tricks
If it's too good to be true, it probably is
When it comes to protecting yourself and your money on the internet be wary of
ridiculous deals.
Criminals may contact you by email, through websites you use, via SMS or even by
phone. It pays to be on your guard as they can be quite convincing.
Here are some warning signs:
* Big promises: 'You have won the lottery'
* Big threats: 'Your account has been hacked'
* A false sense of urgency: 'Act now or it'll be too late'
* Unnecessary secrecy: 'Don't tell anyone'
* There is no reason for them to contact you. Did you even buy a lottery
ticket?
* 'Business opportunities' that involve holding or receiving money for
strangers
If an attachment looks suspicious, don't open it. Don't install software unless
it comes from a website you trust. If it doesn't feel right, take your time.
If you suspect that there is a problem with your online banking, you can always
talk to us first.
Protect your mobile phone
Your mobile phone may contain personal information.
You may even use it for internet banking and online shopping.
For example, they might send you an email that looks like it comes from us and
it might contain a link to a website that looks like this one. When you try to
log on, they can steal your password. They could also ask you to make a phone
call or reply by email.
You may want to think about:
* Setting and using a security PIN code
* Adjusting the phone settings so that it locks automatically if you don't use
it for five or ten minutes
* Not storing passwords or other sensitive information on your phone in a way
that can be understood by someone else
* Not storing your home phone number and address under ‘home’ in the contact
list (you wouldn't want a thief to be able to know your address and be able
to check if you're home)
* Be wary of voicemail and text message scams
* Clicking on links in text messages can be risky - be careful
If you lose your phone report it to your mobile phone provider immediately. Make
a note of your phone's IMEI number (dial *#06# to get it). This will make it
easier for your phone company to disable a stolen phone.
What are people asking?
* How does the BankNet session take place?
A session is started when the authorised subscriber uses his or her browser
to send a secure message via SSL to BankNet server. For this purpose he uses
the customized password along with his User ID. The BankNet server verifies
this data and responds by authenticating the customer and initiating session
encryption.
Once the BankNet session is securely established, Emirates NBD's computer
processes and routes the transaction data using internal protocols. This
prevents other Internet users from proceeding past bank's series of firewalls
and filtering routers.
BankNet protects financial transactions through a number of barriers that
prevent unauthorized access. The first barrier is a system of filtering
routers and firewalls, which separate the outside Internet from bank's
internal network. The filtering router verifies the source and destination of
each Internet packet, and determines whether or not to let the packet
through. Access is denied if the packet is not directed at a specific,
available service. In addition, the filtering router prevents many common
Internet attacks.
In addition, the firewall is the only server in the Bank's network that
communicates via TCP/IP - the Internet's communication protocol. No internal
Online transaction processing systems are reachable using TCP/IP. This
prevents unauthorized users from accessing any transaction data from the
Internet.
The information is passed between the bank's main computer and the customer's
PC after it is duly encrypted using the highest possible encryption.
* Why are security features necessary?
Security is the first and foremost requirement of Online banking because the
Internet is inherently unsecured. Millions of computers form a public network
where communications can be intercepted. As data moves from sender to
receiver, it almost always has to travel through several other connections.
This is called routing. During routing, computers other than the sender and
receiver can access the data. Even computers not directly involved in routing
can access the data. Security is therefore a critical component of any
Internet application
* What are the basic security risks of Internet communications?
Sending data across a network involves three basic security risks:
* Eavesdropping - intermediaries listen in on private conversations (one
computer talking to another).
* Manipulation - intermediaries change information in a private
communication.
* Impersonation - a sender or receiver communicates under false
identification.
* How does security technology protect against these risks?
Current browsers counter security threats with a network communication
protocol called Secure Sockets Layer (SSL). SSL is a set of rules that tells
computers the steps to take to improve the security level of communications.
These rules are designed for the following:
* - Encryption, which guards against eavesdropping
* - Data integrity, which guards against manipulation
* - Authentication, which guards against impersonation
However, these effects protect your data only during transmission. That is,
network security protocols do not protect your data before you send it. Just
as you trust merchants not to share your credit card information, you must
trust the recipients of your online data not to mishandle it.
* To what degree can SSL security protect me?
SSL uses authentication and encryption technology developed by RSA Data
Security Inc. The encryption established between you and a server remains
valid over multiple connections, yet the effort expended to defeat the
encryption of one message cannot be leveraged to defeat the next message.
A message encrypted with 40-bit RC4 takes on average 64 MIPS-years to break
(a 64-MIPS computer needs a year of dedicated processor time to break the
message's encryption). The high-grade, 128-bit U.S. domestic version provides
protection exponentially more vast. The effort required to break any given
exchange of information is a formidable deterrent. Server authentication uses
RSA public key cryptography in conjunction with ISO X.509 digital
certificates.
Show More
* How does the BankNet session take place?
A session is started when the authorised subscriber uses his or her browser
to send a secure message via SSL to BankNet server. For this purpose he uses
the customized password along with his User ID. The BankNet server verifies
this data and responds by authenticating the customer and initiating session
encryption.
Once the BankNet session is securely established, Emirates NBD's computer
processes and routes the transaction data using internal protocols. This
prevents other Internet users from proceeding past bank's series of firewalls
and filtering routers.
BankNet protects financial transactions through a number of barriers that
prevent unauthorized access. The first barrier is a system of filtering
routers and firewalls, which separate the outside Internet from bank's
internal network. The filtering router verifies the source and destination of
each Internet packet, and determines whether or not to let the packet
through. Access is denied if the packet is not directed at a specific,
available service. In addition, the filtering router prevents many common
Internet attacks.
In addition, the firewall is the only server in the Bank's network that
communicates via TCP/IP - the Internet's communication protocol. No internal
Online transaction processing systems are reachable using TCP/IP. This
prevents unauthorized users from accessing any transaction data from the
Internet.
The information is passed between the bank's main computer and the customer's
PC after it is duly encrypted using the highest possible encryption.
* Why are security features necessary?
Security is the first and foremost requirement of Online banking because the
Internet is inherently unsecured. Millions of computers form a public network
where communications can be intercepted. As data moves from sender to
receiver, it almost always has to travel through several other connections.
This is called routing. During routing, computers other than the sender and
receiver can access the data. Even computers not directly involved in routing
can access the data. Security is therefore a critical component of any
Internet application
* What are the basic security risks of Internet communications?
Sending data across a network involves three basic security risks:
* Eavesdropping - intermediaries listen in on private conversations (one
computer talking to another).
* Manipulation - intermediaries change information in a private
communication.
* Impersonation - a sender or receiver communicates under false
identification.
* How does security technology protect against these risks?
Current browsers counter security threats with a network communication
protocol called Secure Sockets Layer (SSL). SSL is a set of rules that tells
computers the steps to take to improve the security level of communications.
These rules are designed for the following:
* - Encryption, which guards against eavesdropping
* - Data integrity, which guards against manipulation
* - Authentication, which guards against impersonation
However, these effects protect your data only during transmission. That is,
network security protocols do not protect your data before you send it. Just
as you trust merchants not to share your credit card information, you must
trust the recipients of your online data not to mishandle it.
* To what degree can SSL security protect me?
SSL uses authentication and encryption technology developed by RSA Data
Security Inc. The encryption established between you and a server remains
valid over multiple connections, yet the effort expended to defeat the
encryption of one message cannot be leveraged to defeat the next message.
A message encrypted with 40-bit RC4 takes on average 64 MIPS-years to break
(a 64-MIPS computer needs a year of dedicated processor time to break the
message's encryption). The high-grade, 128-bit U.S. domestic version provides
protection exponentially more vast. The effort required to break any given
exchange of information is a formidable deterrent. Server authentication uses
RSA public key cryptography in conjunction with ISO X.509 digital
certificates.
* To what degree can Browser security protect me?
The Internet is inherently unsecured. No security method can make claims of
impenetrability.
* Always use the latest versions of software. Regardless of vendor, users of
network should always ensure that they have the latest version of an
application. The discovery of a security flaw is one of the most
significant reasons for vendors to release new versions of software.
* Use the highest security version of your software. Customers who use
Internet Explorer 3.02 can download the 128-bit add-on from the Microsoft
web site. This software uses a 128-bit key that provides stronger security
than the 40-bit key.
* How does BankNet security protect me?
Emirates NBD is committed to provide the safest Online banking service to our
valued customers so that all transactions involving financial and customer
data are conducted in a safe and secure environment. Without thorough
security, information transmitted over the Internet is susceptible to fraud
and other misuse by intermediaries. Information travelling between your
computer and a server uses a routing process that can extend over many
computer systems. Any one of these computer systems represents an
intermediary with the potential to access the flow of information between
your computer and a trusted server. You need security to make sure that
intermediaries cannot deceive you, eavesdrop on you, copy from you, or damage
your communications.
Adequate security features are in-built into our BankNet to protect our
customers. We use 128-bit encryption, the highest encryption security
currently available, which earlier was restricted to Canada and US, but are
now available to Banks outside the US in selected countries. Additional
security comes with the User ID and Password, which are provided to you by
the bank to access your account. The information, which you enter, passes
through 128-bit encryption.
Microsoft Internet Explorer with 128-bit encryption uses:
* Server authentication (thwarting impostors)
* Privacy using encryption (thwarting eavesdroppers)
* Data integrity (thwarting vandals)
* Firewall is used to protect data in Emirates NBD's main computer and only
authorised persons have appropriate access to the data in our system.
* The SSL protocol delivers server authentication, data encryption, and
message integrity. SSL is layered beneath application protocols such as
HTTP, SMTP, Telnet, FTP, Gopher, and NNTP, and layered above the
connection protocol TCP/IP. This strategy allows SSL to operate
independently of the Internet application protocols.
* With SSL implemented on both the client and server, your Internet
communications are transmitted in encrypted form. Information you send can
be trusted to arrive privately and unaltered to the server you specify
(and no other).
* What are Firewalls and Routers?
Firewalls and routers form a barrier between the Internet and our bank's main
computer. All incoming traffic is routed to the firewall, which verifies the
source and destination of each information packet. The firewall then changes
the address of the packet before delivering it to the appropriate site within
our internal network. This way, all internal addresses are protected, keeping
the structure of Key's network a secret. Our firewalls record all activity
with BankNet, including sign-ons, sign-offs, and access violations. This
allows for quick identification of any suspicious activity.
* Do security features impose any limitations on the ability to access sites?
The security protocol works as an adjunct to other protocols without limiting
access capabilities. You can use your browser to bring either secure or
insecure documents.
Online forms can be secure if the submit action is an https:// URL to a
secure server.
You can save a secure document (though secure documents are not cached to
disk among sessions). You can also view the HTML source of a secure document.
Security affects the transmission of a document without affecting your
ability to manipulate the document.
* How do I know when my browser is operating with security features?
There are two ways to tell if your browser is operating with security
features:
* First, your Location Bar should show a Uniform Resource Locator (URL) that
uses an https: address, as opposed to an http: address.
* Second, the security lock will appear in the lower right corner of your
browser window.
* Can I safely transmit personal information such as credit card numbers?
You can enter your credit card number on a secure (https) form and transmit
the form over the Internet to a secure Server without risk of an intermediary
obtaining your credit card information.
Secure communications does not eliminate all of an Internet user's concerns.
For example, you must be willing to trust the server administrator with your
credit card number before you enter into a commercial transaction. Security
technology secures the routes of Internet communication; security technology
does not protect you from unreputable or careless people with whom you might
choose to do business.
The situation is analogous to telling someone your credit card number over
the telephone. You may be secure in knowing that no one has overheard your
conversation (privacy) and that the person on the line works for the company
you wish to buy from (authentication), but you must also be willing to trust
the person and the company.
* What is encryption?
Encryption is the scrambling of information for transmission back and forth
between two points.
When you send out a letter to your friend, you communicate in a language that
both of you understand. Since, your language is understood by thousands of
other people also, if someone else gets hold of your letter, he will not have
any problem in understanding its contents. If you do not want anyone other
than to whom this letter is intended, you must use a secret language or you
must substitute each alphabet in your letter for some other alphabet, which
only two of you will understand. Using a secret language or substituting one
alphabet or word for another is called encryption and your letter is said to
be encoded. To decode your letter, the receiver must have the same key that
you used for encoding. To any other person who does not have this key, the
message in the letter will not make any sense and will be garbage.
Computers also use the same principle. The browser in your computer uses a
string of numbers, characters and special keys and makes the encoding and
decoding immensely complicated. Your computer and the one at the receiving
end agree upon the keys to be used for encoding. These keys are based on a
set of mathematical formulae called algorithms. When a computer encrypts a
message, there are billions of key combinations to select from. However only
one of the billions of combination will be correct. Only the computers on
both ends of the transaction know what key combination is in use during that
session. The sending and the receiving computers use a different key
combination for each session and only these two computers know what key is
used for the current session. So if anyone else tries to read your message,
he will get meaningless string of numbers and characters only.
* What for encryption is used?
Encryption finds its application in variety of transactions that involve
sensitive matters and even for national security. Encryption is used for
sending e-mail messages, sensitive documents and in electronic commerce such
as credit card transactions and electronic banking
* How secure is encryption?
The security provided by encryption is measured in terms of how long is the
encoding key used by your computer for encryption. The level of encryption is
measured in bits like 40-bit or 128-bit encryption.
If the encryption has a 40-bit key, it means that there are 240 possible
different combinations for solving the key. Similarly, for a 128-bit key,
there are 2128 possible different combinations. In general, the longer the
key, the longer it would take for someone without the correct decoder key to
break the code.
* What's the difference between 40- bit and 128-bit encryption?
The 40-bit encryption and the 128-bit encryption differ in their complexity
and the key length. 40-bit encryption can use one of the 240 possible
different combinations (1 followed by 12 zeroes) and 128-bit encryption uses
on of the 2128 possible different combinations (3.4 followed by 38 zeroes).
128-bit encryption is exponentially more powerful than 40-bit encryption.
According to Netscape, 128-bit encryption is
309,485,009,821,345,068,724,781,056 times more powerful than 40-bit
encryption.
* How do I differentiate between a 40-bit and 128-bit encryption?
For Netscape browsers: The key at the bottom left-hand corner of your screen
will have one tooth for 40-bit or two teeth for 128-bit.
For Microsoft browsers: You can find out the level of encryption by using
your browser menu bar. Select "File" then "Properties" then "Security."
When you visit a site that requires encryption, your browser will display the
symbol with a key or a lock. If you are not in a secure area, the key or lock
will be broken.
* How strong is 40-bit encryption?
40-bit encryption is not as powerful as 128-bit encryption. But this still
requires a lot of dedicated effort to break. When the length of the key is
increased by one bit, the amount of effort required for breaking the code
doubles. However, as the power in the hands of the potential criminals
increases, it is necessary to use a more complex and longer key for secure
transmission of data electronically. This is being provided by 128-bit
encryption.
* How does BankNet protect customer information and account data?
In BankNet, customer information and account data is protected by two
independent security protocols: data encryption and a verifiable Password.
When customers use BankNet, they are first prompted to enter their Password .
The EB computer will not send any account information to the customer's
computer unless the Password associated with the User ID has been correctly
entered. All information that passes between Emirates NBD and the customer's
computer is put through data encryption.
* How do I know if my banking session is encrypted?
Your banking session data is encrypted when the appears in the lower left
corner of your screen in Netscape's Navigator, and when the appears in
Microsoft's Explorer.
If you're using a version of Netscape Navigator with domestic-grade
encryption running, a will appear in the lower left corner of your screen.
When not in a secure session, Netscape's appears broken and Microsoft's is
not shown
* What type of encryption do I need?
You need to use a browser with 128-bit encryption for using BankNet.
* Why BankNet Requires 128-Bit Encryption?
Emirates NBD is concerned about the security of your transactions. Our
success as a financial institution depends on our ability to manage these
systems safely and to continue to earn your trust as our customer. By
requiring 128-bit encryption, we are assuring the highest level of
commercially available security for your financial transactions.
* What is a browser and what does it do?
A browser is a software used use to surf the Web. In the absence of a browser
you cannot visit a Web site and view its contents, graphics and other
information.
* What makes one browser more secure than another?
Browsers offer varying degrees of security, particularly in regard to
encryption:
* Some browsers allow you to encrypt information, so that the information is
scrambled as it passes over the Internet.
* Some browsers offer more secure forms of encryption than other browsers
do.
* Even the same version of a browser can come with different levels of
encryption. Netscape Navigator 3.0, for example, comes with either 40-bit
encryption or the more secure 128-bit encryption.
* How do I know if my banking session is encrypted?
Browsers indicate that they are in a secure, encrypted mode by displaying an
icon in the lower portion of your browser as follows:
* Netscape navigator: A key icon in the lower left hand corner
* Microsoft Internet Explorer : A lock icon in the lower right hand corner.
* How do I know the level of encryption in a browser?
Netscape Navigator 1.1X distinguishes its browser using 128-bit encryption
with an icon with 2 keys and Netscape Communicator 4.0 and Microsoft Internet
Explorer do not distinguish between 40-bit and 128-bit encryption on the
browser screen.
However, with Netscape Communicator 4.0, you can click on the icon to
determine what level of encryption is being used for a particular Web page.
All acceptable browsers do provide detailed information on security levels in
"Properties" or "Document Information" from the browser's menu bar. See you
browser's help or documentation for more information.
* I want to bank online. What security capabilities must my browser have?
Browsers offer varying degrees of security, particularly in regard to
encryption:
* Encryption Your browser must have 128-bit encryption.
* No storage of account information
Your browser must not automatically store information viewed from BankNet
into your hard disc unless you specifically download the information.
* Where to Learn More about Internet Security and Electronic Commerce?
The following is a list of sites you can browse for additional information
concerning Internet security:
Using RSA Public Key Cryptography:
Learn more about Banking Online banking Security systems:
* What is WAP GAP?
During the wire less communication from PDA to Emirates NBD secured web
server, the request goes via WTLS protocol from PDA to service provider
Wapgateway and using SSL from Wap gateway to Emirates NBD site. The interport
communication which happens at the wap gateway during this translation is
often termed as WAP GAP.
* What is WTLS?
WTLS is called Wireless transport layer security.
You can use any WAP device (mobile phones or PDAs) to access this service via
any WML browser, which supports WTLS. For higher-grade security, use WTLS
with 128-bit encryption to transport information to your device. Ensure that
your WAP device supports such encryption.
Customers should make sure to turn on the security function of his/her
WTLS-enabled WAP phone or PDAs in order to secure WTLS encryption during
transmission.
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Advance Fee Fraud
Say no to advance fees. No legitimate company will ask you for an advance fee.
Advance fee frauds are very common and vary in type, style and delivery but all
are after the same thing to get you to pay time and time again for non-existent
funds or large sums of money or goods. The people who operate these scams are
professional at it and will provide you with what appear to be plausible and
realistic scenarios.
Identity Fraud
Protect your identity, online and offline.
Identity fraud can be described as the use of another person's personal
information, without his/her consent or authorization, to commit a crime or to
deceive or defraud that other person or a third person. The stolen identity is
used in criminal activity to obtain goods or services by deception.
Most identity fraud is committed in the context of financial advantage, such as
accessing a victim's credit card, bank or loan accounts or opening a new credit
card account in the victim's name, and then charging purchases to that account,
or entering into a loan agreement in the victim's name.
The e-mail and SMS Fraud
How to protect yourself from Email and SMS fraud?
Fraudsters will send you e-mails or SMS trying to scare you by saying:
* Your account, Debit Card or Credit Card has been frozen or blocked
* You cannot deposit or withdraw money from your account
* You need to verify your account and provide confidential data such as Debit
Card, Credit Card numbers and PIN
They will further pressurize you to share your confidential account information
over a link or by phone.
Please remember that the Bank will never send you such e-mails or SMS.
The Lottery Fraud
Protect yourself from bogus prizes from fraudsters.
Fraudsters will tempt you with winnings by e-mail, phone or SMS:
* You have won a car!
* You have won a cash prize!
* You have won a trip!
They will persuade you to share your confidential bank and card details to claim
your prize.
Please remember that the Bank will never ask for your confidential details.
The ATM Fraud
How to stay vigilant when you withdraw/deposit your cash at the ATM?
Fraudsters will try to cheat you out of your money by:
* Trying to distract you to capture your Card or PIN details
* Installing a small camera to steal your details
Be alert
* Look at the ATM for unusual signs or changes
* Cover the PIN pad when entering your PIN
Sim Swap Fraud
If your mobile phone doesn’t have a network, immediately check with your telecom
service provider.
Fraudsters will try to trick you by:
* Impersonating you to obtain a replacement SIM card from your telecom service
provider
* Use the replaced SIM card to reset your Online and Mobile Banking User ID and
Password to steal your funds
Be alert
* If your mobile phone does not have a network, check with your service
provider immediately
* If your service provider confirms issuance of replacement SIM card, register
a complaint and check your bank account immediately
e-mail Redirection/Fund Transfer Fraud
Always check all characters in an email ID.
Fraudsters will:
* Send you an e-mail from an e-mail ID similar to that of your business
associates
* They will inform you about a change in their bank account number
* Share a different IBAN or Account and ask you to transfer funds
* Change the contact details in the e-mail to manage any callbacks
Be alert
* Always check all characters in an e-mail ID
* If the e-mail directs you to send money in a different IBAN or Account,
please call your client to confirm
* Do not call your clients from the numbers mentioned in the e-mail
Vanishing Ink or Magic Ink
Use your own pen when you fill in your details on a bank form/cheque.
Fraudsters will:
* Approach you as a Bank representative and offer various loans or products
* Collect your documents including the latest Bank statements
* Fill the application form and Security Cheque using Vanishing or Magic Ink
pen and ask you to sign in using your pen
Be alert
* Never issue a blank Cheque and do not let anyone fill in the security Cheque
* Always fill in the beneficiary name and make it ‘Account Payee’ with your own
pen
* Always cross-check the credentials of the individual representing the Bank by
checking his official Photo ID card
* When in doubt, contact the Bank’s Call Centre
Data Privacy Fraud
Never share financial information such as bank account details and credit card
numbers, ATM PIN etc.
Fraudsters will try every trick to:
* Make you share financial information through e-mail or phone calls or Social
Media
* Send you malicious links, which may download malicious content on your
computer or ask you to download an App on your mobile
* Downloading the same can steal your data without your knowledge
* Your information can be misused to impersonate you and to obtain financial
products or facilities
Be alert
* Limit the information you share on Social Media platforms. Do not make your
personal details visible for everyone on Social Media
* Create strong and complex passwords and change them frequently
* Do not download unknown Apps
* Do not respond to unsolicited calls or text messages
* Remember, the Bank will never ask for your confidential details
Phone Fraud
Do not respond to unknown or unsolicited calls.
Fraudsters will call you:
* Impersonating as Government Agencies, Banks, etc. and mention some of your
information available on Social Media platforms to gain your trust
* They will create a sense of urgency that you have missed a deadline and
demand immediate action
* They can also use threats to revoke a business license or close an account
* They will persuade you to share your confidential information
Be alert
* Do not respond to unknown or unsolicited calls
* If you are told of a dire action on your bank account, contact the Bank’s
Call Centre and verify the same
* Do not share any confidential information such as Username, Password, PIN,
three-digit CVV number or OTP with anyone over the phone or otherwise
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