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Financial planning

Overview

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What does a phishing attack look like?

Phishing emails always include a link prompting users to select it and disclose personal information. Never select a link in an email claiming to be from a financial institution, e.g., your bank. If the email is suspect, delete it and report the incident to the 24-hour single fraud line.

The mails that are often phishing attacks claim that you have:

  1. been a victim of fraud and need to login urgently.
  2. received money into your account that needs to be confirmed.
  3. done something that will result in your account being suspended unless you login.
  4. violated terms and conditions and need to login.
  5. received a payment that needs to be confirmed.

Example of a phishing email

Never click on any links in an email that claims to be from FNB.

What you need to do

Check that the web address has a padlock and that it displays FNB's address.

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Example of how remote access works

Protect yourself

  1. If someone calls you and requests your personal banking details or to install remote access software on your PC, please end the phone call and contact the fraud contact centre.
  2. FNB will NEVER ask you to share your One-Time PIN (OTP) to reverse pending transactions or to block your banking profile.
  3. NEVER disclose sensitive information, such as your username, password, card and PIN details to anyone - not even a bank official

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Safety tips

  • Protect your personal, bank account and cellphone account information - also when you're online.
  • Immediately investigate when you notice that you are not receiving calls and messages.
  • Keep your phone switched on - otherwise you will not notice when your SIM card has been swapped.
  • Inform the bank should your cellphone number change so that your cellphone notification contact number is updated on our system.
  • If reception on your cellphone is lost, check what the problem could be immediately as you could have been the victim of an illegal SIM swap on your number. If confirmed, notify your bank immediately.
  • To protect yourself against a port-out scam and SIM swaps, you can make a quick phone call to your customer service to test your number still belongs to you.
  • Make a tweak to your account online, or add a security PIN to your account which will be required to make changes to your account, including porting your number or requesting a new SIM card.

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Example of a telephone conversation

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Identity Theft

Identity theft occurs when your ID or passport is stolen or when a false ID is created with your personal information through phishing or from social media sites. The aim is to get credit or loans using your information and pretending to be you.

Examples of personal information

  • ID
  • Passport
  • Driver's licence
  • Email account
  • Payslip
  • Municipal bill and merchant account statements
  • Bank statements

What can I do?

  • Don't give out personal information on the phone, fax or on social media platforms.
  • Verify all requests for personal information.
  • Store personal and financial documentation safely.
  • Don't carry unnecessary personal information in your wallet or purse.
  • When destroying personal information, either shred or burn it.
  • Report a stolen ID or driver's licence to the 24-hour single fraud line.
  • Request that sensitive documents be sent via registered mail or door-to-door mail.
  • Pay attention to account cycles so that you can identify when communications intended for you, have not reached you.
  • Install firewall and antivirus software protection to prevent a computer virus sending out personal information from your computer.
  • Choose a different PIN for your credit, cheque and debit cards, so that if you lose one, the others will still be safe.
 

Digital fraud

Understand digital fraud

Identity Theft

Identity theft occurs when your ID or passport is stolen or when a false ID is created with your personal information through phishing or from social media sites. The aim is to get credit or loans using your information and pretending to be you.

Read more

What is a

phishing attack?

This is a form of fraud where criminals attempt to access your confidential information. This is done either by an email request for information or by leading you to a fake website.

Safety tips

Remote access

What is Remote Access?

Remote access software is becoming a very popular way for fraudsters to gain access to your banking profile.

Safety tips

SIM swap & porting

A SIM swap is a process of replacing your existing SIM card with a new SIM card moving your existing cellphone number to the new SIM card to receive One Time PIN (OTP) notifications.

Safety tips

What is vishing?

Vishing is similar to phishing, but instead of being taken to a fake website via an email, you receive a call where the individual pretends to be from the bank and gets you to reveal personal information such as your username, password and PIN.

Safety tips
 

What is smishing?

This is phishing through the use of an SMS, whereby you are encouraged to disclose personal information. The fraudster will pretend that the message is from a bank and it will prompt you to select a link.

FNB will never ask for your login details (i.e. username and password) via email, SMS, telephone or any other channels.

Lost/stolen device

If your device gets lost or stolen, please call the FNB Fraud Centre immediately to report the incident. You are also advised to delink your device via your Online Banking profile:
Log in to your profile, select 'Online Banking Settings', next, select the 'Banking' tab and then 'My Devices and Browsers'.

First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).