Using online banking

Em caso de dúvida, telefone para o seu banco para confirmar que ação deve tomar.

Almost all national banks offer their customers electronic banking services through the Internet, which allow them to perform common banking operations from the comfort of their home or work. Due to their importance, these services have a number of security mechanisms, such as matrix cards and codes sent by SMS. For the same reason, they are a tempting target. Criminal groups use various schemes known as phishing to directly or indirectly obtain security elements that allow them to impersonate you and take possession of your assets.

To avoid these scams you should be aware that your bank NEVER uses email to request information, as this medium is recognised as an insecure channel. For this reason you should ignore any email that asks you for information or requests you to access a particular web page.

If there is a problem with your parent card, the bank will generate a new one. And under no circumstances does it ask you for more than a small part of the numbers that are on your card (you normally have to enter 3 numbers). Your bank also does not ask you to install an application on your mobile phone to reinforce the security of your transactions. These applications are typically viruses.

If in doubt, call your bank to confirm what action you should take.

Check your bank account and credit card movements regularly. If any movement is suspicious, you should immediately alert your bank and the Polícia Judiciária by calling the picket service available at

In general, you should also avoid opening attachments or accessing internet pages contained in emails that you are suspicious of. Simply opening a web page or text document can infect your computer with a virus that sends your information to criminals. An email address is easily forged, so you should not trust an email simply because it comes from a particular source. The sender may not be who they seem.

Finally, you should always have an active and up-to-date antivirus and you should keep applications such as Java and Flash up-to-date. Although the most important thing is to follow the recommendations presented above and have a precautionary attitude.

This article is published in o largo. under the project “Culture, Science and Technology in the Media” (Cultura, Ciência e Tecnologia na Imprensa), promoted by the Portuguese Press Association

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