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How we keep you and your personal banking information safe is very important to us. Have a look at the precautions that we take to ensure that we live up to our promise of being helpful to you.

Security Policy

How we keep you and your personal banking information safe is very important to us. Have a look at the precautions that we take to ensure that we live up to our promise of being helpful to you.

Our 3 layers of Internet Banking Security

(Last Updated: 08 March 2005)

We understand that some of our customers are concerned about the security and confidentiality of transacting over the Internet. Your Internet banking security is our priority, so we take all reasonable steps to protect our systems against intrusion or compromise. In addition to your User Name/ID and Password, we use state-of-the-art encryption to ensure the security of your online transactions and personal financial information. At all points where sensitive information is being entered (such as personal, account and transaction details), this 128-bit encryption layer is used. We also offer Internet Banking customers three further layers of security:

1) Internet banking fraud guarantee

We will reimburse you for any losses you (as a registered Internet Banking customer) may suffer, due to fraud committed via your Internet Banking website, provided have take adequate precautions to protect your personal computer and Access Details. We will however, not be liable for any losses you suffer if you have acted fraudulently. You may be liable for you own losses if you act negligently or without reasonable care and this has caused or contributed to your losses.

What you must do

Help us to help you with this extra measure of protection by following the security guidelines outlined in this Security Policy. Where you have been a victim of an Internet banking fraud, you must inform us immediately as soon as you become aware that a suspicious transaction has occurred on your accounts and open a case at your nearest police office. You will also be required to co-operate with us and the police in any investigation conducted into losses you suffer.

What we will do

We will investigate all reported cases of Internet banking frauds and provided that you have complied with the safety measures listed in this Security Policy, will reimburse you after the investigation for any losses suffered due to fraud committed via this website.

We are not liable for any consequential or indirect losses you might suffer and the amount you will be reimbursed is the amount removed from your account, plus charges and interest.

2) inContact

Stay in contact with your accounts with with inContact, an innovative messaging service which notifies you immediately of transactions on your accounts and any logins to your Internet Banking profile.

3) Digital Security Service (SA, Namibia and Botswana only

The Digital Security Service is an additional security service which, on top of your Internet Banking User ID and Password and inContact, can add another access layer to protect the accounts linked to your Internet banking profile. The Digital Security service entails using a DigiTag (a device completely separate from your PC) which generates a unique security code each time you login to the Internet banking website. inContact, an innovative messaging service which notifies you immediately of transactions on your accounts and any logins to your Internet Banking profile.

Our important security tips

We will reimburse you for any losses you (as a registered Internet Banking customer) may suffer, due to fraud committed via your Internet Banking website, provided have take adequate precautions to protect your personal computer and Access Details. We will however, not be liable for any losses you suffer if you have acted fraudulently. You may be liable for you own losses if you act negligently or without reasonable care and this has caused or contributed to your losses.

1) Ensure that the website is secure

Check that the website with which you are transacting with is a secure site. The VeriSign process is available on your Internet banking website and we strongly suggest that you familiarise yourself with it to ensure security when transacting. On the login page, just click on the VeriSign logo and follow the instructions.

When visiting websites look out for a small padlock in the lower right-hand corner of your browser. The padlock tells you that you are running in SSL (secure socket layer) mode, which means that every request you send is encrypted (scrambled and encoded) using a certificate from a legitimate security authority. When banking via your Internet banking website, make sure that the padlock is visible before you logon.

2) Ensure that the website is legitimate

Whenever you a website, always check the authenticity of the website, since bogus websites have been set up to defraud Internet bankers. To do this, when you type in a website address, check the address at the top of your browser (see the picture above) and make sure that the website address reads - https://www.fnbnamibia.com.na, since you could be diverted to a spoof website, where your accounts or access details could become compromised.

3) Keep your bank cards and PINs safe

Many banking sites request customers to provide their card numbers, PINs and passwords in order to register and access their banking accounts online. To register for Internet banking, we rely on your cared and PIN number. Therefore:

  • Never discard ATM slips at the ATM at which you have transacted
  • Never tell your PIN to anyone - including banking staff. No person besides you has the right to that information
  • Keep your bank card numbers and associated PINs and passwords secure at all times, since this information could be used by a third party to access your banking accounts online (and/or offline, via ATMs)

4) Keep your Access Codes secret

We make every effort to ensure that no one on the Internet (including your Internet Service Provider) is able to intercept your User Name/ID and Password. You, in turn, must ensure that your Access Codes (these include your PIN, Passwords, User Name/ID and Access Number) are not disclosed to any other person, and are kept separate from any documentation pertaining to our Internet Banking services.

Be particularly cautious when using public computer terminals - don't allow people to watch you typing in your information, and ensure that the browser does not store your Password.

5) Change our PINs and passwords regularly

You should change your PINs and Passwords regularly, using PINs and Passwords that are difficult to guess (i.e. a combination of numbers and letters in random order e.g. hql67f3a).

6) Don't allow your browser software to save your password

Your browser may have a setting that stores Passwords and personal details. Although this can be convenient when you are using your personal PC at home, it is very dangerous if someone else might use the browser after you. When your browser offers to remember your Password for you - do not click yes. Disable this feature as follows:

For customers using Microsoft Internet Explorer:

Under the Tools menu, select the Internet Options menu item. Select the Content tab, and ensure that AutoComplete for Passwords is switched off. Under the Advanced tab, scroll down and ensure that 'Use Inline AutoComplete' is not selected.

For users of Netscape Navigator (version 6.0 onwards):

From the 'Edit' menu, select the Preferences option. Expand the 'Advanced' icon. Select the Passwords option and ensure that the checkbox for the 'Remember Passwords' is not selected.

7) Install and maintain anti-virus software

A virus is a malicious programme that destroys data on your computer. Viruses are often received via email. To protect yourself from viruses, you should install credible anti-virus software and keep this anti-virus software up to date. Do not open emails from people you do not know, and never open an attachment or run a program file unless you are completely sure that they are safe.

8) Know about Identity Theft

Identify theft and identity fraud are terms used to refer to all types of crimes in which someone wrongfully obtains and uses another person's personal data in some way that involves fraud or deception, typically for economic gain. There are many variants and manners in which identity theft can occur, but the two most common are set out below.

Phishing

Phishing is when a fraudster sends out messages (to email addresses obtained illegally), pretending to be from another company (e.g. the bank). The purpose of these emails is to extract your personal information, which can then be used by the fraudster to commit fraud in your name. Remember, FNB Namibia will never ask for your username or password via email.

Spoofing

Spoofing is when a fraudster creates a website that looks like a genuine website, like the FNB Namibia website, and also has a similar website address (URL). They then commit online fraud by urging people to transact on this fake website (e.g. deposit money, purchase goods). Remember, FNB Namibia's website address is https://www.fnbnamibia.com.na and no other company can duplicate this.