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Post by Angelstardust on Dec 23, 2009 12:28:57 GMT
My bank is offering a security system to protect against online fraud. It is a free download called Rapport; would you take the offer?
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Post by ken on Dec 23, 2009 13:11:56 GMT
No
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Post by mikkh on Dec 23, 2009 16:34:05 GMT
Nat West also offer a free card reader, I'd be more inclined to get that, than bog my system down with yet more security software
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Post by Angelstardust on Dec 23, 2009 17:19:08 GMT
I have the card readers for both banks I use - somwhere; I hadn't thought of them as an alternative.
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Post by jojo on Dec 23, 2009 20:11:16 GMT
A decent password based upon a phone number should be sufficient.
What exactly can a hacker do, once inside your online bank account anyway?
Transfer cash to his own account?
Perhasp he might leave his name and address while he's at it. Oh wait, he did!!!!
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Post by ken on Dec 24, 2009 9:32:23 GMT
I have just got a new account, as one of my banks was messing me about and I transfered that account. I've applied for a card reader, I've not got a clue about what I am supposed to do with it. As for their offer of a security suite, they can keep that. My security has been tested over a long period and has proven to be about as good as it can be. I would be stupid to sacrifice that and start using something I have never heard of until now. Someone is paying the bank to advertise their product, the banks not interested in your welfare. They are only interested in their investors pockets.
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Post by Lynnrose on Dec 24, 2009 10:17:27 GMT
I have been using a card reader for months with Nationwide. It's easy KC...when you do a transaction online eg. transferring your money, you will be asked to put your card into the reader, press a certain button, enter pin, enter amount and they will give you a ref. number to enter online.
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Post by buzzy on Dec 24, 2009 10:35:47 GMT
I use two banks and they both have a random security code online.
As Ken says, I have been using this system together with the usual security software we all use and to date have never had a problem.
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Post by elvisuk on Dec 24, 2009 12:20:06 GMT
I have to put my name then a membership number, a password and then two numbers from my password i think i am safe as i can't get in too my online bank sometimes 
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Post by elvisuk on Dec 24, 2009 12:21:25 GMT
Which banks do you get a card reader with?
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Post by Angelstardust on Dec 24, 2009 13:19:47 GMT
I've got one from Nationwide and one from RBS.
RBS asks for a membership number (based on DOB), three numbers from another number and three letters/numbers from my password.
Nationwide asks for members number (set by them) a memorable piece of information then part of a password.
You think you get confused.
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Post by Lynnrose on Dec 24, 2009 13:22:04 GMT
I just have my Nationwide one
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Post by jojo on Dec 24, 2009 13:33:17 GMT
I would think the chances of losing your ATM card are infinately greater than anyone hacking into your bank account and taking stuff.
We gladly toss around our card number and even the security code on the back, yet I am astonished by the numbers of people who see preoccupied by the supposed threat of people hacking into online accounts.
My wife has recently done a short computer course for beginners. The only reference they gave to security was to keep anti-virus software up to date!
The sensible security advice is, have a decent pasword, based upon a well known telephone number. and don't visit porn sites.
Sorry for the rant. The scare stories that go around about computers, especially that preposterus one about Apple being secure.
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Post by ken on Dec 25, 2009 7:10:08 GMT
Thanks Lynnrose, I was thinking along those lines but just didn't know. NatWest offer the card readers free, but dont insist that you use them for online banking. I have been shopping on the internet for years and use PayPal most of the time. Not everyone uses PayPal so some transactions have to be done by card. A clean computer and a bit of common sense is about all that is needed.
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Post by Angelstardust on Dec 25, 2009 10:01:39 GMT
I think a lot of these scare stories are marketing scams.
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Post by ken on Dec 28, 2009 2:26:12 GMT
I have looked into Trusteer Rapport and its not what I thought it was. Its not another security suite as I thought it was. It only gives a green light to when your logged into your real bank account. If the address bar sign stays grey, your not logged into the proper website. Its similar to the padlock sign on the toolbar, when your logged onto a secure site. I presume crackers have now got phoney secure sites, giving the impression that you are on the right site. Rapport only works on your bank account, not on every secure site and narrows it down a bit. I expect it will only take a good cracker a week or so to figure out how to replicate it, but it is a bit safer than the padlock icon at the moment. With updates they might stay almost level with the crackers, with a bit of luck and a fair wind.
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Post by jojo on Dec 28, 2009 13:26:07 GMT
My bank, Lloyds, will send me a text message if any funds are ordered to be sent overseas.
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