Internet Banking

Accessing Warwyck Private Bank Internet Banking requires login credentials comprising the user name and password. These need to be carefully chosen and secured to prevent your account from being compromised. Some measures to secure your credentials include:

• Selecting a complex (non-guessable) password that is minimally 8 characters long with a combination of digits, alphanumeric and special characters
• Memorising your password instead of writing it down
• Not divulging your password to anyone else
• Changing your password regularly or when there is a suspicion of it being compromised
• Using different passwords for different websites, applications, services
• Avoiding the option of retaining the user name and password for subsequent visits to website

The Internet Banking Service includes an enhanced security feature that requires a one-time password (OTP) issued via a security token to be keyed in during the login process. The security token forms part of your login credentials, and therefore its serial number and OTP should not be divulged to anyone else.

Modern web browser software adds protection against fake websites and viruses. A web browser (commonly referred to as a browser) is a software application for retrieving, presenting and traversing information resources on the World Wide Web. It is advisable to update your web browser regularly to safeguard your computer against viruses that target outdated browsers.

It is harder for viruses to infect a computer installed with updated software. 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.

Beware of bogus e-mails notifying you of software updates. Use the update software that comes with your computer – do not click on any links in these fraudulent e-mails. Most modern software will check for updates automatically for both computer and web browser software; you may want to install them as soon as they become available.

Refrain from using public or internet café computers to access online services or perform financial transactions.

Check your privacy settings on social networking sites to control who gets access to your personal information and that you only share information with people you trust. Personal information such as address, birth date, bank account number and telephone number is useful to people who have the intention to steal your identity or break into your Personal Internet Banking account. Sharing such personal data over social networking sites, such as Facebook, Twitter or MySpace, is risky and should be avoided.

Please also remember that you must take all reasonable precautions to keep your details safe and prevent any unauthorized use of card and security details. If any information forms part of your security details, you should therefore make sure that you do not disclose it to anyone else – see the terms and conditions that apply to your account(s) for more detail.

When there is a need to share highly sensitive or confidential information such as personal particulars, consider the use of encryption technology to protect this information.

Take extra precaution to secure or remove file and printer sharing in computers, especially when the computers are connected to the internet.

Criminals are in it for the money. There are many ways for them to make money online. They can:

• steal your passwords and bank details with viruses, bogus e-mails 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 Personal Internet Banking security and privacy very seriously. Protecting yourself and your money takes a bit of know-how and the right software.

Make regular backup of your critical data to avoid accidently deletion or potential data corruption.

If it is 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 e-mail, 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 will be too late’
• Unnecessary secrecy: ‘Do not 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

Learn to spot bogus e-mails and fraudulent websites

Criminals use false e-mails and fake websites. They set them up to deceive people into giving away passwords and bank details. The technical word for this is ‘phishing’.

If an attachment looks suspicious, do not open it. Delete junk or chain emails. Do not install software unless it comes from a website you trust. If it does not feel right, take your time.

If you suspect that there is a problem with your Internet Banking, you can always talk to us first.

Your mobile devices may hold a lot of personal data – take care of it. You may even use it for internet banking and online shopping. Similar security principles applied to personal computers should also be applied to your mobile devices.

If you notice any fraudulent activity in your account or need to report lost or stolen information, and If you suspect someone has access to your Internet Banking details:

• Log onto Internet Banking to change your Password and immediately
• Call your Private Banker or +230 698 2700

An Internet Banking ID, Password and a token will be requested from you. These will be provided by the Bank upon registration.

You can access your accounts online 24 hours a day.

You can easily access the following:

• Bank Statements;
• Portfolio Evaluation Reports;
• Transfer instructions Module for internal and external transactions;
• Card statements (credit and prepaid);
• Other related Bank Correspondences;

You can transfer funds to any bank Worldwide, including Mauritius. You can also view transfer history, set instructions for future and recurring transfers.

These will be communicated by the Bank in due course.

For security and identification purposes, you are not allowed to change your User ID.

To log on to IB, please visit www.warwyckprivatebank.com, click on the “Log in securely to IB tab” and connect by inserting your user ID, password and token.

It is a small calculator-like device used to generate a password to validate transactions (for individuals and companies).

It is crucial that you keep your user ID and password safe by ensuring that these sensitive information are not shared.

You should restrict yourself from accessing Warwyck Internet Banking via a link in an e-mail or from redirections from other websites. Please verify that the web address is exactly what you are looking for.

The most efficient way to access any site, is to type the address directly into the browser. Also, you should always log out from the Warwyck Internet Banking session and close the browser once the transaction has been completed.

You should restrain yourself from using public computers or computers which you have no control for financial transactions. Do not change your security details in a public place like a Cybercafé.

If you suspect any discrepancies, immediately notify Warwyck Private Bank Ltd so as to protect yourself against any possible or attempted hacking. You should verify your account activity on a regular basis for any unusual transactions or withdrawal.

You should refrain from leaving your computer, smartphone or tablet unattended when you are connected to Warwyck Private Bank Ltd Internet Banking or making any kind of transaction online.

Never disclose your User ID and password to anyone. Choose a password that you can easily remember but which is hard to guess by another person. As a security measure, use a combination of alphanumeric characters consisting of letters (upper and lower case), numbers and special characters (i.e. @! ~), when choosing a password.

The password for Warwyck Private Bank Ltd should be a unique one and not used for accessing other websites. Do not click on hyperlinks embedded in emails or third-party websites to access the Bank’s Internet Banking.