• Multifactor login helps protect your money
  • Make sure that a website uses HTTPS encryption before you enter your payment data
  • Never send photos of your credit card

Tip 1 – How important are updates?

Are you one of those people who clicks away update prompts about 50 times before finally running them? Bad habit! Hackers are always on the lookout for vulnerabilities in your system. For example, your card data could be at risk if you’ve saved it in an app. This is why software companies work hard to provide timely updates – to remove various vulnerabilities.

Tip 2 – How do I spot fraudulent mails?

Don’t just look at the sender’s name, but also closely examine the email address itself. Cryptic addresses should be immediately obvious. Be on your guard if you are asked to make an advance payment for a product or service or to receive money.

Tip 3 – How important is multifactor authentication?

Authentication is the process of confirming your identity when you log in. Always opt for multifactor authentication if it is available. With the UBS key4 banking app, for example, this happens as standard with the UBS Access App. Your private data and money are then protected should someone obtain your password. Depending on the app, authentication can be via a confirmation SMS containing a code that you need to enter.

Three tips to protect against phishing

Over 80% of all cyberattacks are phishing attacks in which scammers attempt to obtain a user’s personal data. (Source: CSO Online: Top cybersecurity statistics, trends, and facts)

How to defend yourself against them:

  • Don’t hurry: be suspicious of emails marked “urgent”
  • Watch out for spelling and grammatical errors
  • Never reply to email requests for personal or financial information

Tip 4 – How can I tell whether a website is safe?

Be careful on websites that do not use HTTPS because there is no guarantee that information between you and the website server will be transferred securely. Before entering personal or private information such as payment data, first make sure that the URL starts with “https://.”

Tip 5 – Should I forward my bank data?

Your money is not at risk just because someone knows your IBAN number – they cannot access your account with this number alone. The situation is different with credit cards: in addition to the card number there is also the security code on the reverse side. If scammers have both, they can use this information to go shopping at your expense. But with UBS key4 banking you are protected in this situation too, because a payment must first be confirmed in the UBS Access App or via SMS code before it is actually executed.

Four tips for a secure password

The image below shows the most frequently used passwords in Switzerland and the time it takes to work them out (source: Nordpass.com: Top 200 most common passwords)

How to make your password more secure:

  • Use a combination of uppercase and lowercase letters, numbers and special characters
  • Use a different password for every website
  • Change your password frequently
  • Save your passwords in UBS Safe:

And if you still get caught out?

However careful you are online, there is no 100% protection against fraud. Should it happen to you with your credit card, find out how to block your card correctly under the link below.

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