You can find general information at the Dutch Payments Association. In some cases, this can result in delays before the payment account is assigned to you and ready for use. Banks are obliged to check your data and ID. Opening of a payment account is subject to various rules and regulations. For this you must open a bank account with a Dutch bank account number (IBAN: NLxxBANKxxxxxxxxxx). After opening a bank account, you can let the City know what your bank account number (IBAN) is, so we can transfer your allowances for living expenses to it. Also, a local bank account means the City of Almere can transfer funds to you more easily and conveniently. This will make it easier for you to arrange various matters and help you participate in everyday life. If you do all of the above, it is reasonably safe to access banking web sites on a public network.The City of Almere recommends you open a bank account in the Netherlands. While your liability is limited to $50, you must report the loss within 90 days or you lose your rights. Never ignore browser security warnings when accessing a banking site.Ĭheck your bank statements regularly and look for suspicious transactions. If your bank uses an EV certificate, the entire URL should show up on a green background. When you access unknown content, it could try sending requests to your banking site, and if you are signed in, they might actually go through.Īlways check the address bar to ensure that the connection is https and secure and that the correct domain name appears. Never browser other sites while signed into your banking web site. You'd be insane to use a shared computer, as it could have keyloggers or other malware. This will register the banking site with the HSTS list held by your browser, and make it much harder for hackers to spoof your bank's site.Īlways use your own device. Links can be deceptive and point you to a criminal network instead of your bank.Īccess your banking site from your home network at least once before going out in the wild. Type it or use a bookmark that you yourself created. Never access your banking site by clicking a link. Here are some basic things you should do to protect yourself:
Then again, hackers will get more and more sophisticated as the stakes go up. So the environment is going to get safer and safer. Banks will talk to each other about what is going on on their systems, look for devices popping up in multiple accounts (known as "account velocity"), detect malicious patterns, and shut them down in their tracks. In a few years, you will see things like password-less logins (believe it or not), behavioral authentication, soft tokens, intelligent geolocation, out-of-wallet authentication, and other risk-driven measures.
BITSAFE TO BANK ACCOUNT PASSWORD
Today, state of the art is a password with a second factor, either challenge questions or out of band. The authentication environment is evolving and will evolve more in the next few years. That being said, it can be something of a pain in the neck to recover the lost funds, but you can legally do it, eventually. Unless you are banking with a disreputable bank, your liability for fraud is limited to $50. This is a requirement for them to be FDIC ensured. In the United States, the bank takes on almost all of the risk of loss. It could be logging all of your keystrokes and sending your session cookies to who knows. There is no telling where that computer has been or what kind of viruses are on it. The risk is especially bad if you are using a rented computer. For example, they could poison the DNS cache and send all of your online banking traffic to a criminal team in Romania. The risk is higher, of course, on a network that someone else maintains, where members of the public can sign on and possibly attack the local network. There is always some degree of risk, even if you are using your own home network. The bad news is that nothing internet-y is 100% safe.
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