Making online banking transactions safe is a shared responsibility. You and the bank, or institution you're transacting with, are part of a bigger system that makes online banking and payments work.

Here are three features that will help protect you from hackers or fraudsters.

1) One-Time PIN 

This is the unique six-digit code sent to your registered mobile phone number via SMS before you can complete an online transaction. You have to key in this code within 5 minutes to complete it.

So keep your OTP to yourself. Don't give it out to anyone. Check the kind of transaction and the amount when you receive the OTP. Your online transactions will be safer that way.

2) E-mail notifications for transactions.

This is a good way to track your online transactions. With email notifications, you are notified of any transactions done online, via our website or mobile app.

So make sure your email address is updated. Check these notifications habitually and be on the lookout for unusual transactions. Report any fraudulent transactions immediately.

3) Digicert's Security Certificate 

You may ask, what has Digicert has to do with my online safety? Good question. The simple answer is that Digicert's Security Certificate is backed by the most advanced technology to ensure the online security of a certain website.

Progressive banks like BPI comply with this critical security standard. You can check BPI's Digicert logo at the bottom part of their website. If you're transacting with other websites, check if they have security certificates, too.

Include these three things in your checklist for safer online transactions. As the cliche goes, it's better to be safe than sorry.



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