Since our Internet Banking services were initiated, our bank has been using the most advanced security technologies available in order to effectively protect our customers from such threats; we are researching, developing and implementing the most up-to-date security solutions. We continue to set the standards in Internet banking with our e-security infrastructure that has won awards worldwide.
Although Internet banking might mean effortless and quick transactions, we are only able to ensure that you benefit from our banking products and services in the most secure manner in the virtual environment, if you are cautious and cooperative in this area. Thus, we would like to share the ‘E-Security – 10 Golden Rules’ list with you, which contains the primary issues we ask you to pay attention to while using Internet banking services, originating from examples that are likely to occur.
We must also indicate that security measures are not limited to the following, and that applying these recommendations do not provide a 100% guarantee of ensuring security. Therefore, you must always be vigilant and check to make sure you are in a secure Internet environment.
Respectfully,
Yapı ve Kredi Bankası A.Ş.
Anti Virus Program
Personal Firewall Program
E-Mail security
Operating System
Physical security of your PC
Password use
Smart Key / Smart GSM / Smart SMS – Single use password technology
E-keyboard against common threats such as phishing and spy programs
Customizable security settings
General Usage Rules
You must have at least one antivirus and/or "anti-spyware" program installed in your computer against spyware in order to be able to use the Internet in a secure manner. You should regularly update the virus definitions in this program and scan your entire system for viruses at least once a week. Virus scans are very important in catching the spyware that could infect your PC.
Personal Firewall programs have the ability to control the network traffic aimed at your computer. Thanks to such monitoring, you can prevent virus/trojans/spyware originating from the Internet that could harm your PC from infecting it.
Do not open e-mails coming from unfamiliar people (especially those with attached files); do not ever answer e-mails that appear to have come from your bank that request your password / user name / financial data / account number / credit card or ATM card numbers or those that request you to update your personal information. We remind you that as your bank, we shall never request information updates or password procedures through e-mails. You may assist us to protect our customers against acts of fraud by not opening address extensions included in these types of fraudulent e-mails, not filling in the required information and by notifying us urgently about the issue.
Windows is the operating system with the most widespread use in the market. No matter which operating system you may use, just as with antivirus programs, operating systems must also be updated (in order to eliminate security gaps discovered later). Please be sure to carry out these updates promptly.
The security of the PC you use for Internet banking is very important. You must not leave your PC unattended while using Internet banking; if others use your PC, you must be sure that these people pay the utmost attention to security.
When creating your Internet banking password, you must not use numbers that are easy to guess such as your birth date, and you must regularly change your password for your own security. You must also be sure that this password is not the same as your other banking passwords. You must not note your password and user name in your PC or anywhere else in the physical environment, you must not carry them in your wallet, share them with anyone else and remember that your bank recognizes you with this password and user name.
Use Internet banking with the support of Smart Key/Smart GSM/Smart SMS. The Smart Key/Smart GSM/Smart SMS – "Single Use Password Technology", a service that provides double layered security for Internet banking users, is offered for the first time in Turkey by our bank. With this technology you may create a single use password of eight digits for each usage specific to you. This one-off password can be used neither by you nor by other users again.
Products of Single Use Password Technology, Smart Key, Smart GSM, Smart SMS are free of charge for our ‘Limitless Banking’ member customers.
The most common security threats for Internet banking customers originate from password and information updating requests coming with fraudulent e-mails and spyware that are installed on their computers before the user notices it. Some of these programs, i.e. ‘keyloggers' have the ability to record every movement of the keyboard and subsequently transmit it to the spy user.
Making it obligatory to use the E-Keyboard for Internet banking is a measure that we took in order to provide more effective protection against these common threats. These threats have come down to controllable levels with user awareness in the subject of e-mail security and the help of antivirus / personal Firewall programs.
Our Internet banking services include a section on customizable security settings. You may define these settings in accordance with your own requirements and if you wish you may close your accounts to money transfer transactions, or you may limit the places (i.e. your PC at home) or the times (i.e. only in the evenings) when you perform Internet banking transactions. You may access all these applications in the ‘Security Settings’ menu.
- Use licensed software in your PC.
- Scan the software you download from the Internet or software that you wish to install on your PC for viruses.
- Always leave Internet Banking by selecting the ‘EXIT’ command.
- Regularly monitor your account movements and credit card spending.
- Do not install software whose source you are not sure of, especially beware of software with ‘.exe' extensions.
- Follow the security notices regularly updated in our www.yapikredi.com.tr page.
- If you connect to the Internet via ADSL, turn off your connection when you are not using the Internet.
- Before you start utilizing our Internet Banking services be sure that there is a lock or key icon in the lower right corner of your browser. If there is a situation that seems suspicious to you, click on the icon and be sure that the certificate was created on behalf of our bank.
- Do not carry out your Internet banking transactions from computers whose security you are not sure of, which are open to general use.
- Do not click on the address extensions in e-mails sent from unfamiliar persons or establishments, do not install files attached to messages on your PC.
- Write down the address of the Internet page that you wish to access on the address line of your browser yourself.
In case of a situation that you find suspicious, you may call 444 0 444 Teletel to get in touch with our Internet Support Team.
