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How to use banking services securely?

How to use banking services securely?

  • Seek advice on our banking services only from the staff of the bank
  • Don’t disclose your passwords, registration, card and account numbers or your personal number by phone or e-mail
  • Read how to use the online banking services, payment cards, ATMs and bank accounts safely

If you have noticed a security violation or bug in respect to our banking services or have received a suspicious e-mail, please do not hesitate to call our 24/7 line 1528 or (8 5) 268 2800 or send us a message.

Don’t e-mail confidential information (login passwords of the online banking site and similar data). If you have any doubts about the reliability of an electronic service or the computer, terminate the session and inform the bank immediately.
 

How to create a proper password and use it securely?

  1. Create passwords that are hard to guess. These can be combinations of figures, special characters and letters. Don’t use names of your family and friends or their birth dates.
  2. Memorise your passwords without writing them down or telling anyone and change them regularly.
  3. Enter your passwords only when you are sure than no one is watching you.
  4. Store your passwords and their formation devices and tools (password generators, cards) in places that are inaccessible to others: not in your wallet, handbag or next to your computer.
  5. Don’t disclose your passwords over the phone, on social networks, by post or e-mail. Lately, there has been an increasing number of cases when frauds have tried to sniff out people’s passwords over the phone disguised as representatives from the bank, the police, the Financial Crime Investigation Service, the Special Investigation Service, the State Social Insurance Board or other public authorities or as employers offering an attractive job. Don’t give in to psychological pressure: don’t disclose confidential information over the phone because no one has the right to demand that you do so. Please report all such attempts to the bank and the police.
  6. Never enter your passwords if you are asked to enter more than one password from your password card at a time when you log in to the online banking site or transfer money online. If this occurs, it means the computer you are using is infected as frauds are attempting to obtain the entered passwords through malware. In such a case always immediately:
    • Terminate your session on the online banking site
    • Inform the bank by calling our 24/7 line 1528 or (8 5) 268 2800 and ask to block access to the banking web site

We recommend using the safest personal identification tools: online and mobile electronic signature.

What data should not be disclosed?

  1. Don’t disclose details of your passport, personal identity card or driver’s licence to others unless they have indicated explicit legal grounds to collect such data.
  2. Don’t give the passwords used to log in to the online banking site over the phone and don’t send them by post or e-mail. The bank never asks to provide such information in these ways.

How to browse the web and use electronic services in a secure way?

  1. Be careful when you open e-mails, browse the web or copy information.
  2. Take special care when you check messages from unknown persons in your e-mail and social network accounts that contain hyperlinks. Never click on suspicious hyperlinks.
  3. Don’t visit suspicious websites. Malware (viruses) is usually spread by e-mail and via insecure websites.
  4. Don’t use electronic services in public places if you feel being watched or the computer seems suspicious.
  5. Once you have visited the online banking site in a public place, change your password.
  6. Don’t use electronic services by logging in from computers of people you don’t know.
  7. Before you buy something from unknown online stores, make enquiries on whether they are reliable.
  8. Set a low limit for transactions performed on the online banking site and increase it only when absolutely necessary.
  9. Finish your session on the online banking site by clicking on “Finish session”.
  10. Seek advice on our electronic services only from the staff of the SEB Bank.

How to protect the computer?

  1. Install a reliable legal anti-virus application, update the software regularly and use latest-version browsers.
  2. The security bugs often found in the operating systems and other software enable unauthorised access to computers and connecting to the systems by frauds. Hackers make use of these bugs, so to ensure security of their software manufacturers upgrade it and remove those bugs regularly. So take care that your operating system and other software is updated in time. Don’t use software for which no more updates exist such as Internet Explorer 6.
  3. Once you have detected a virus or an offer to install a suspicious application, terminate your session immediately and contact IT professionals.
  4. Seek and use advice from IT security professionals.
  5. If after entering the identification code and passwords in the registration window of the online banking site you fail to log in, a message about technical problems is displayed or you see the unfinished action icon in the shape of a rotating ring for a long time, your computer is likely to be infected with a virus. Report this to the bank immediately by calling our 24/7 line 1528 or (8 5) 268 2800.

We recommend using the safest personal identification tools: online and mobile electronic signature.


For more information about the service please call a 24/7 line at 1528 or visit a SEB bank unit of your choice.

What to do when your payment card is lost?

  1. Report this immediately by calling our 24/7 line 1528 or (8 5) 268 2800 (from abroad +370 5 268 2800) to block the card immediately so that no one else can use it.
  2. When you call these numbers to block your card, you can order a new payment card immediately.
  3. Within three banking days following your verbal report about the loss of your payment card or suspicion that the card details are known to third parties, please confirm the fact in writing by:
  4. Within one week, we will produce and issue a new card and give you a new PIN code. You will be charged a defined fee for new card issuance (see price lists for private customers and business customers).

How to use payment cards safely?

Keep the PIN code of your card confidential

  1. Don’t write down your card’s PIN code and don’t disclose it to anyone.
  2. It is best to memorise the code and to destroy the PIN envelope received from the bank.
  3. When you pay with your card or use an ATM, cover the keypad with your hand to protect your PIN code.
  4. If you suspect that your PIN code became known to others, report this to the SEB Bank.

Don’t disclose your card number, valid through date and security code to others

  1. Don’t disclose this information to others if you are unsure they absolutely need to know it.
  2. Remember that the bank never asks to provide this and similar information over the phone, by post or e-mail. If you have any doubts about the situation when you are asked to disclose this information, contact the SEB Bank immediately.

Use the availability of payment by card online responsibly

  1. Any new card or a renewed card will be issued without the possibility to pay by card online.
  2. You may activate / block the payment by card online functionality by phone 1528 on a 24-hour basis (from abroad +370 5 268 2800) or by visiting any unit of AB SEB bankas.
  3. Irrespective of the method of activation / blocking the payment by card online functionality, the number of changes in the settings of payment by card online will be unlimited in any specified method within the entire validity term of your card.

When you pay with your card, watch how the transaction is being performed

  1. If you are paying with your card, watch the actions of the salesperson and don’t allow them to take your card away where you can’t see it.
  2. If you find the salesperson’s behaviour suspicious, ask them for an explanation, and where this seems important, report this to the SEB Bank.

Set restrictions for the account the card is linked with

  1. Restricting the opportunity to pay large amounts or the number of available transactions is of special importance if your account contains more money than is required for your daily needs.
  2. You can set restrictions by visiting a SEB bank unit of your choice or online.

Create your new PIN in a responsible way

We recommend changing the PIN into one that is difficult to guess. It should be a combination of numbers that has no clear logical sequence. When changing your card PIN, remember the following recommendations:

  • avoid a PIN in which all four digits are the same, e. g., 1111, 0000, 3333, etc.
  • avoid a PIN with digits in ascending order, e. g., 0123, 1234, 6789, etc.
  • avoid a PIN with digits in descending order, e. g., 0987, 9875, 4321, etc.
  • do not use a PIN of any other card you already have or the PIN of your mobile phone. Do not use your date of birth, address, telephone number or any other combinations of digits that may be easily guessed

Remember that a card PIN protects funds in your bank account, therefore, create your new PIN in a responsible way.

 

Preventive protection of payment cards

In the year 2014, the Bank of Lithuania has approved the Minimum Requirements for the Security of Internet Payments.  Seeking to ensure the possibility for our customers to buy purchase goods or services securely online, any new card or a renewed card will be issued by the bank without the possibility to pay by card online. You may conveniently and safely activate the payment by card online functionality by phone  1528 on a 24-hour basis (from abroad  +370 5 268 2800) or by visiting any unit of AB SEB bankas.

In line with the highest customer money protection standards, we have been using an efficient payment card protection system since 2009 which can prevent many unauthorised payments by card abroad and online.

When payments by card are made in Argentina, Australia, Bolivia, Brazil, Cambodia, Canada, Chile, Costa Rica, Dominican Republic, Columbia, Ecuador, El Salvador, Guatemala, India, Indonesia, Jamaica, Kuwait, Malaysia, Mexico, Namibia, Panama, Peru, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Thailand, Uruguay, Venezuela, Vietnam or the USA and on the websites of companies registered in these countries, the preemptive bank card protection system checks the entire payment transaction before money is deposited from the account tied to the card. If it is suspected that payment has not been authorised, the transaction is suspended and the cardholder is not able to pay by card.

You can avoid potential problems by notifying SEB bank about the intended trip in advance. At your request, limits may be lifted for the entire duration of your travel.

If you are unable to make payment by card, please immediately call the 24/7 line of SEB bank at 1528 or (8 5) 268 2800 (if calling from abroad, dial +370 5 268 2800) and report the event by choosing Payment Card Blocking from the answering machine menu. An employee of SEB bank who will take your call can temporarily (while you are abroad or until you make your first payment on the online banking site) lift the limits applicable to your payments by card.

 


For more information about the service please call a 24/7 line at 1528 or visit a SEB bank unit of your choice.

  1. Before you use an ATM, inspect it for signs of break-in or other suspicious marks: strange-looking devices beside the card insertion slot, scratches, traces of glue, etc. If you notice anything suspicious, report this immediately to the SEB Bank.
  2. Watch the surroundings: if the person/-s next to the ATM behaves suspiciously or approaches too close, terminate the operation and ask them to step back 2 meters.
  3. Do not entertain offers of assistance from strangers at the ATM. Until you have placed your card away safely, don’t allow yourself to be influenced by people who distract your attention.
  4. Stand close to the ATM when you enter the PIN and always cover the keypad with your palm.
  5. If the ATM does not return your card, check for any extraneous articles in the card slot and without leaving the ATM report this to the SEB Bank by phone.
  6. When you finish the operations, don’t forget to take out the card and collect cash.
  7. Don’t leave receipts with account information next to the ATM.
  8. Destroy non-required receipts in such a way that information becomes illegible and non-reproducible.

For more information about the service please call a 24/7 line at 1528 or visit a SEB bank unit of your choice.

  1. To check your account balance, view your account statements, i.e. money turnover, regularly.
  2. Don’t disclose information on your account balance and performed transactions to third parties.
  3. We recommend ordering bank messages by SMS (the service is available to private customers) to quickly learn about transactions on your account. For instance, you can order automatic bank messages about money transfers from your account and the bank will send you an SMS as soon as money is debited from your specified account.

For more information about the service please call a 24/7 line at 1528 or visit a SEB bank unit of your choice.

Beware of the threats

There have been more and more cases lately when online frauds are trying to infect the computers of online banking users with malware. Please be careful.

Contact

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