Personal Netkey

Security scheme with bidirectional authentication. We generate a key for your identification which, when being captured in your Netkey BanamexNet, will issue a dynamic key for you to access and make your transactions in BancaNet.

This security scheme offers Protección Integral BancaNet, in order to protect your equity against unacknowledged charges.

Proteccion Integral Banamex supports you for up to $15,000 pesos in case you have unacknowledged charges in any of your credit or debit accounts, for charges made through BancaNet and/or Banamex Móvil.

Business NetKey

At Banamex we are committed to your security. That is why we warmly welcome NetKey Banamex security scheme, which strengthens the access you already know.

NetKey Banamex is a two-way authentication scheme. When you log in BancaNet Empresarial, the bank will generate a key to identify you, and which should be validated in you NetKey; Key; this in turn will create a second key which will let you log in with a higher protection. This action will be repeated for every monetary transaction you make, in order to strengthen security in your electronic transactions.

Your NetKey:

  • It does not require synchronization.
  • It does not need new configuration.
  • It does not have to be replaced with a new one.
  • No PIN change is required, unless you desire so.
  • No additional cost.

Comprehensive Protection

NetKey Banamex protects your wealth against possible unacknowledged charges.

In case of clarification, Banamex responds within 25 working days as of the moment the necessary documents are submitted.

If the investigation is favorable, we pay the claimed amount.

From April 6, 2009, if you are a customer at BancaNet, you are protected by using your NetKey Banamex.

To receive this benefit, make sure you:

  • Maintain the confidentiality of your secret number, password and dynamic key issued by your NetKey Banamex.
  • Install and update Banamex anti-intruder tool.

Security Tips

Five Tips

  • Do not share your passwords or keys of your NetKey Banamex
  • Do not send confidential information by e-mail, telephone, SMS or fax
  • Do not click on links attached to e-mails
  • Protect your PC by downloading our Anti-Intruder Tool from BancaNet or BancaNet Empresarial
  • Avoid making financial transactions from public computers

How to avoid phishing

  • In order to avoid phishing (e-mails which seem to be dependable and request confidential information on your accounts), do not reply to any e-mail requesting personal information and check the source of the request with the corresponding organization
  • A phishing e-mail usually has sender's names and logos which seem to be authentic. You can identify this type of e-mails through the following elements:

    o It has an alarming tone which requires urgent action
    o It includes a link and prompts you to click on it in order to confirm or update your personal information
    o It may have grammar errors which are not usual in the institution's usual communications

  • Type the Web address (URL) in your browser and avoid logging in through links in e-mails
  • Install security programs in your computer, such as anti-virus and firewalls
  • Check that the web site is a secure address. It should start with “http://” and include a small closed lock in the navigation bar (located on the bottom right corner)
  • Double click the lock to see the certificate which confirms that the Web address corresponds to the site you are visiting
  • Banamex will never ask for your personal information through an e-mail. Never share this type of information for any reason


Travelers' Checks are issued by a bank institution or other authorized agencies (Visa, MasterCard, American Express).

  • Security: unlike cash, they may be replaced or reimbursed in case of loss or theft. To provide a higher level of security, two people may sign them and use them individually.
  • Assistance and protection: the Travelers' Checks Global Reimbursement and Assistance Center provides the necessary help, 24 hours a day, 365 days a year.
  • Worldwide recognition: they are accepted in thousands of financial institutions and million stores throughout the world.
  • More freedom: they can be issued in multiple currencies (US Dollar, Canadian Dollar, Sterling Pound, Swiss Franc, French Franc, German Mark, Japanese Yen and Euro).


  • They let you travel safely without taking cash.
  • The beneficiary may submit them for payment at any of the branches shown in the list provided by the issuing bank, as well as in stores around the world.
  • When purchased, the institution requests the beneficiary to write his or her name in each of them and sign in the first space. These documents are signed twice: first when they are purchased and then when they are cashed or upon making a payment with them at any store.
  • Lack of immediate payment of the checks entitles you to demand the issuing institution reimbursement of the amount plus payment of damages (at least 30% of the amount of the unpaid check).
  • The bank or agency is also forced to reimburse the amount of the checks you did not use and wish to return.
  • They expire within one year as of the date they are paid for.


  • Once you purchase these checks, remember to sign them immediately and to write your name; otherwise, they represent cash that any person may collect.
  • If you cash them within the country, you will have to show your current official ID (voter's credential, passport or military service booklet).
  • If you cash them abroad, in most cases only your passport will be accepted as official ID.
  • If you do not use all your Travelers' Checks and wish to get back the amount in cash, you should consider that they will be paid at the purchase exchange rate in effect at the time by the issuing entity, so you may receive a lower amount than what you paid for them.

    The tips are for prevention purposes, so their application is based on a personal decision, without any kind of liability by Banamex.


There is a type of fraud which uses the name of financial institutions to steal the key of your cell phone pre-paid card. Find out about the modus operandi of these criminals:

  • They may call your cell phone or land line saying that you have won a prize in cash.
  • They may say that, in order to redeem it, you only need to purchase one or several 500 pesos pre-paid cards and ask the last names of the card.
  • You are awarded 20 minutes to do so and they tell you to go and redeem your "prize" at a bank branch.


  • If you receive a call with the described modus operandi, do not answer and hang up in case to be protected.
  • If you constantly received these calls, talk to your telephone carrier to have your assigned number changed.
  • Remember that our promotions never condition prize redemption to making deposits in order to cover expenses. Don't be deceived! And warn your family members about this situation.
  • To avoid becoming a victim of fraud, check the promotions offered by Banamex.

    The tips are for prevention purposes, so their application is based on a personal decision, without any kind of liability by Banamex.


At present, we may all become victims of fraud. So, here are some prevention tips for you:

Basic measures to prevent fraud:

  • Never draw blank checks or receipts.
  • If you receive a call at your cell phone or land line or receive text messages offering promotions or informing that you have won a prize, do not let yourself be fooled. Don't provide any information about your card or personal information; make sure the promotion is real and first confirm with the bank at the telephone numbers you already know.
  • If an unknown person calls and tells you to deposit money into an account to release a family member who has been detained or to help him/her due to an accident, hang up and find your family member.
  • Before signing any document, check that its contents match what you agreed upon.
  • When disposing of expired cards, canceled checks, statements and letters with personal information, destroy them in full.
  • Avoid carrying large amounts of money in cash; use the electronic means available at the bank.

Use of Credit/Debit Cards:

  • When you pay with your card, watch while the sales attendant slips the card at the electronic terminal in order to issue your sales ticket and in no other device; in case of error, ask for your ticket and destroy it. Make sure the transaction is made before you and make sure the returned card is yours.
  • If any store requires an ID at the time of purchase, don't be afraid to show it; they do it in order to prevent card misuse.
  • When you use the ATM, do not let anyone see you while you enter your PIN and don't accept help from strangers. If your card is withheld by the ATM, report it immediately at the bank telephone number.
  • Frequently change your confidential keys for your card and Electronic Bank access. Do not write them anywhere or share them with anybody.
  • Only take cash, checks or cards that you will use with you.

    The tips are for prevention purposes, so their application is based on a personal decision, without any kind of liability by Banamex.


Each of us is responsible for taking care of our assets. To avoid being a victim of fraud, you should apply some of the prevention tips listed below which will help you with the different bank products you probably use.

Safety measures with checks:

  • Store your check book, cards and contracts in a safe and locked place; never leave then at the disposal of third parties (service personnel, at the office, in the car, in your suitcase, etc.). Remember that, according to the law, you are responsible from the time you receive them, including any misuse performed to them.
  • When you receive your check book, check before the bank personnel and before signing the acknowledgment of receipt that it contains all the check sheets listed in the slip. If there are missing checks or the bag protecting the check book is opened, ask for the manager to come immediately; state your discomfort in writing and do not receive the check book for any reason.
  • Avoid sending checks by mail, use other available methods of payment.

Confidentiality and privacy:

  • Be careful! You are responsible for the use of confidential keys to access bank services. Never share them with anyone else, including your spouse, children siblings, assistants, employees, trustworthy employees, bank employees, the bank customer hotline officers, etc. Nobody can ask your key on the telephone or in person; it should be used and known only by you.
  • When you make transactions through telephone services, make sure your information is not displayed on a telephone screen which somebody else could be looking at. When completing your transaction, dial any number and press the redial key to make sure the last pressed numbers are not recorded.
  • Before disposing of your statements, canceled or unused checks, expired credit cards, payment receipts or receipts from completed transactions, etc., destroy them in full. At present, garbage is a very useful source of information for criminals.

Tips to protect your equity:

  • Financial institutions only grant accounts and services at their facilities or service modules; do not trust announcements made by people who offer or promise to help you obtain them in exchange for an amount of money.
  • Bank institutions do not make home visits in order to request credit cards or the customer's confidential keys; don't let yourself be fooled by scammers.
  • Never allow or ask a bank officer, no matter the level of trust you have and the time you know each other, to make activities which can only be performed by you as account holder, such as: appearing before tellers in order to make withdrawals or deposits.
  • If based on the type of contract or account you handle you do not receive statements at your address, you should check your balance regularly through other means established by your bank or with a different officer than the one who usually sees you.
  • When you receive your statement, immediately check that all your transactions and balance are correct; otherwise file your claim immediately at your applicable branch, with all the necessary documents to speed up the process.
  • Use the means established by the bank for any situation which may seem out of ordinary.

    The tips are for prevention purposes, so their application is based on a personal decision, without any kind of liability by Banamex.


With the increase of crime, citizens have the need to protect our equity; that is why we list some prevention measures which will be helpful in order to protect your cash.


  • Do not listen to the suggestion to use cash in order to avoid long waiting times or paying fees. Personal damage and the impact on the whole family of any incident in which someone tries to deprive any of your family members of the cash he or she is carrying have a cost which is much higher than a fee.
  • Only carry a minimum amount of cash, which you consider will cover your needs.
  • When you need to make a transaction for which cash is essential, ask about the best way to do it.
  • If your needs to take large amount of money is frequent, there are specialized money in transit companies which assume the risk and avoid you to be exposed to criminals.

Use of electronic means and accounts:

  • Identify available payment methods with service suppliers and financial institutions. In this way, you may reduce the use of cash and the need to go to a bank branch.
  • Open bank accounts in order to perform your most frequent transactions; payment of a financial fee may seem unnecessary, but avoids high personal risks.
  • Make your transactions from home or the office, without having to stick to the branch business hours.

    The tips are for prevention purposes, so their application is based on a personal decision, without any kind of liability by Banamex.


Each check is like cash and the access key to your account balance. Hence, you may apply these simple prevention measures in order to avoid risks.


Upon opening a checking account:

  • Check that the check book protection bag is sealed.
  • Count the checks to make sure the quantity is complete; make sure their numbers are consecutive and the slip to request a new check book is included.
  • If you find any abnormality, do not receive the check book and report it to the manager immediately.
  • If somebody else will pick up your check book, ask him/her to follow these tips.

When using the check book:

  • If you are not going to use the check book, do not carry it with you; avoid leaving it exposed to third parties in the car or on your desk. Store in a locked place.
  • Take control of your transactions, balance and drawn checks; make sure they are correct and immediately report any abnormality.
  • Draw your checks to the name of the beneficiary and preferably with the text "To be paid into account".
  • Use a ball point pen to fill in your checks and write a line at the beginning and end of the assigned spaces to write the amount in letters and the beneficiary name.
  • You may hire the free Protected Account service, which lets you activate your checks as you draw them.

    The tips are for prevention purposes, so their application is based on a personal decision, without any kind of liability by Banamex.


By law, each person is responsible for any and all activities and transactions made in the accounts opened at his/her name.

Don't let yourself be fooled. There are groups of criminals who offer money in exchange for opening an account in your name, or to have deposits made into your account, pretending they are alleged payments for performed jobs or sales. At may campaigns conducted by the authorities, it has been informed that these funds usually come from illegal activities (money laundering or fraud).


  • Remember that providing your account to receive these payments may involve you in hazardous situations.
  • Use your accounts only in order to make personal transactions and do not lend it, even to family members or friends.
  • Regularly check your balance and activities and report ant identified difference to your bank.

    The tips are for prevention purposes, so their application is based on a personal decision, without any kind of liability by Banamex.

Step 1

Be prepared:

  • Check your car is in a proper condition.
  • Make sure you have a torch and emergency triangles.
  • Keep your cell phone with the battery charged and available balance.
  • Keep the most common emergency telephone numbers with you.
  • Make sure you and your passengers use the safety belt.
  • Have your car insurance policy and the insurance company telephone at hand.

In case of an event:

  • Try to keep calm. If you can get out of the car, do it carefully.
  • In case there are injured people, they should not move unless their lives are in danger. They should only be helped by paramedics or people with first-aid training.

Step 2

Avoid additional risks at the place of the accident:

  • Park the car outside the hazardous area.
  • Keep the emergency (intermittent) lights on.
  • Place emergency triangles before and after the place of the accident, approximately 150 meters away.
  • If possible, turn off the engine of crashed vehicles and put on the hand brake.
  • In case of oil or fuel leak, signal it and ask somebody to pour soil or sand on top of it. Stay away and do not smoke in the hazardous area.
  • In case it is dark, light the area with a torch or the car lights and ask the other drivers involved in the accident to do the same.
  • In case of fog, increase signaling and lighting measures.
  • In you detect a fire and the firemen have not arrived yet, try to put it out with the fire extinguisher of your vehicle, soil or sand. If you cannot control it, walk away and help other people to walk away from the area.

Step 3

Report to the necessary emergency services (police, ambulance, or firemen, as well as your insurance company).

To request for assistance, the minimum information you should provide is as follows:

  • General details of the calling person.
  • Telephone number from where the request is made, in order to be informed of any event.
  • Place of the accident, in case of a highway state the specific mile location. Some type of reference to the area is useful, and you should mention if there is any risk (fire, fuel or flammable product spill, etc.).
  • Number of victims and their injuries. In case a person is trapped, you should mention it so that firemen may go there with the necessary equipment.
  • Type of accidents and number of vehicles involved.
  • Weather hazards of the area (rain, fog, snow, etc.).

    The tips are for prevention purposes, so their application is based on a personal decision, without any kind of liability by Banamex.


While you are driving:

  • Do not get distracted or perform other activities.
  • Keep the doors locked and the windows up.
  • Limit the use of your cell phone.
  • If you witness a robbery to another driver, do not try to help; do not blow the horn or make suspicious movements. Keep calm and try to get away as soon as possible. Take care of your safety first.
  • If you see that the street lights are about to change to red, slow down and go drive slowly to a full stop.
  • At mandatory stop signs, keep a cautious distance from the vehicle ahead of you and always maintain your car in first gear.
  • Do not stop to offer a ride or to look at accidents.
  • Try to use wide avenues and try to drive through the center lanes.
  • If possible, do not drive alone.
  • Do not drive through deserted areas or under constructions areas and watch if you are being followed by any vehicle; in such case come close to a police car or enter a shopping mall or public parking.
  • Do not leave purses, suitcases, laptops, jackets or any other eye-catching object in sight; put them in the trunk.
  • If the police stops you, do not get out of the car; write down the patrol and the officer's characteristics.
  • When you came to a stop, watch for motorcycles or people approaching you.
  • Do not wear eye-catching jewels or watches.
  • Strengthen your car windows with a special film.
  • When you get home, make sure there are no suspicious people or cars. In such case, slow down a bit or, if necessary, call the police.

    The tips are for prevention purposes, so their application is based on a personal decision, without any kind of liability by Banamex.


We are all exposed to suffer damages to our body or property, derived from natural events or human error which may cause emergencies at any time. To be prepared for a situation of this type, you should have a family prevention plan in place.

A family prevention plan is a set of activities which family members should perform in coordination before, during and after a disaster situation in order to clearly identify the steps to be taken.


  • Organize your family and community to face possible emergencies. Children should be included so that they know what they should do and can help adults.
  • Check the condition of the building, facilities and furniture in your home, as well as the hazards which may be presented by the surroundings, in order to detect and reduce potential hazards, and try to make the house as safe as possible.
  • Identify escape or evacuation ways, and the safest and closest exits to move away from a high-risk place.
  • Be prepared to make the most suitable decisions to face a disaster based on the circumstances which may occur.
  • Make regular simulations at your home, using the steps mentioned above.
  • If possible, have a tool box available for emergency repairs, a first-aid kit with its corresponding instructions and the most important personal documents.
  • Try to store some food and fresh water (for two days). Check expiration dates.
  • In case an expected disaster approaches, such as a hurricane or flood, try to stay informed of the authorities' instructions and make an early decision to stay at home or go to a previously identified shelter.

    The tips are for prevention purposes, so their application is based on a personal decision, without any kind of liability by Banamex.

The pleasure of a ride should always be accompanied with some prevention measures which help us finish those days happily.

  • Lock your home and close gas and water taps.
  • Inform a neighbor that you will be absent and leave a phone number where you can be reached, or a family member's contact number for emergencies.
  • Avoid making comments to unknown persons about your trip.
  • Use travelers' checks or credit cards and avoid carrying cash and valuables.
  • Take precautions if you will travel to unknown places, especially at night.
  • Do not trust unbelievable offers on the road or outside stores.
  • At self-service stores, watch your wallet and cell phone. Some gangs take advantage of large crowds in order to steal them and use your identity.

    The tips are for prevention purposes, so their application is based on a personal decision, without any kind of liability by Banamex


When the only option is to go to financial institution to withdraw cash, consider the preventions measures we offer here.


  • Plan your movements in advance, consider that the dates with higher crime incidence are wage payment dates and Saturdays.
  • When you plan to withdraw cash from a bank, do not disclose it.
  • Go to the branch with two dependable people so that they help you outside and inside the branch.
  • Check that there are no people watching you and that you have not been followed before, during and after the withdrawal or when purchasing pre-paid cards.
  • Avoid counting the cash provided by the Cashier at the branch. Do it while he/she is counting it before handing it to you.
  • Block with your body the place where you store the money you receive.
  • When you leave the branch, if you feel you are being followed, look for immediate help from public safety or support at any commercial store.
  • Before walking away from the teller, make sure you have your receipt, check that the printing correctly reflects the type of transaction as well as the amount and date and do not leave your belongings behind: credit cards, statements and the cash you have withdrawn.
  • If money is offered to you in exchange of cashing your check or assistance so that you do not waste time in line in order to cash it, reject it; this type of offers always have illegal purposes.

    The tips are for prevention purposes, so their application is based on a personal decision, without any kind of liability by Banamex.


  • Go to the teller at the right moment and avoid walking there is somebody else is there.
  • Never come close to the teller to say hello to the staff, since they may get distracted and delay other customers.
  • If you need information about a bank transaction, ask at the customer service desk or with the officers.
  • Before leaving, make sure you have the receipt for the type of transaction, account number, amount and date.
  • If money is offered to you in exchange of cashing a check, be careful; this type of offering always has illegal purposes.

    The tips are for prevention purposes, so their application is based on a personal decision, without any kind of liability by Banamex.


  • Use ATMs at busy places.
  • At night, do not go alone and park your car as close as possible.
  • Do not approach an ATM if you feel frightened of the people nearby.
  • Do not accept help from anyone, even if your card has been withheld by the ATM.
  • Do not insert your card if the ATM looks suspicious.
  • In case of incident, go to the corresponding branch or file a report at the customer hotline.
  • Your PIN is your confidential electronic signature; avoid other people seeing it; remember it by heart and use one hand to enter it and the other hand to cover the keyboard.
  • Do not leave your vouchers at the ATM, destroy them when you no longer need them.

    The tips are for prevention purposes, so their application is based on a personal decision, without any kind of liability by Banamex.

Recommendations for a bank transaction at the ATM:

  • Protect and safeguard your confidential keys (PIN).
  • Your PIN is exclusive for transactions at ATMs or for teller withdrawals (in some banks). Never share them with anybody.
  • When assigning your PIN, try to avoid numbers which are easy to identify.
  • Do not write down your PIN. Remember it by heart.
  • Change your PIN at least once every six months to reduce risks.
  • Only take the card which you will use.

Recommendations when entering an ATM:

  • When entering or leaving the ATM booth, there is no need to enter the PIN, insert or slip your card at the door.
  • Before inserting the card in the ATM, check there are no strange elements in the device to open the lock to the booth or the cash dispenser.
  • Remember to follow only the on-screen instructions in the ATM; disregard any person, signs, devices or any other instruction not belonging to the ATM.
  • When entering your confidential number, cover the keyboard with one hand in order to void somebody else from seeing the numbers.
  • Do not accept advice from foreigners and make sure you do not leave your session open when you leave the booth.
  • Put away your card and money before you leave the booth.

Safety tips to remember:

  • Do not leave the receipts of your transactions at the booth without tearing them.
  • Use well-lighted ATMs, preferably with surveillance service.
  • Never make transactions at vandalized ATMs, that is, with damage in their structure or adhesive residues.
  • Report any abnormality in the ATM to your bank.
  • In case the ATM does not return your card, cancel your transaction and report the situation immediately at the branch or via telephone to your bank customer hotline.

Card Opening and Cancellation:

  • When you receive your card, make sure the envelope has not been opened and the content complies with the protection measures stated inside.
  • Sign your card immediately with a black ball point pen.
  • Call your bank if you do not receive the credit card you were expecting in the mail.
  • If your card has expired, has been damaged or canceled, destroy it by scratching the signature and cutting the card in pieces.
  • For your safety, cancel the accounts you are not using. At some banks, you may ask for a reduction to your credit limit and restore it immediately at the time you need it.

Statements and enquiries:

  • Keep your transaction receipts, at least until you receive your statements. You might need to request some clarifications.
  • Once you check your expenses in your statement, destroy your transaction receipts to prevent third parties from using them.
  • If your statement arrived late or simply was not delivered, call the bank to report the situation and to make sure the address is correct.
  • Ask the Credit Bureau at least once a year to check there are no applied loans, in order to discard being a victim of identity theft. Remember that you are entitled to one free enquiry per year.

Confidentiality and privacy:

  • Establish with your family the rule of not providing any information on the telephone to unknown people. In case you provided it by mistake, report it to your bank immediately.
  • If you change your address, telephone number, or have any problem with the receipt of correspondence, contact your bank in order to update your information or check if it is correct.
  • Eventually, you may receive a calla from your bank to check if you have made transactions which are different from your regular purchasing pattern. Do not share your card personal and confidential information.
  • If you believe you have disclosed confidential information, please call the Customer Hotline.
  • Do not trusts promises about gifts or prizes or any other argument used to obtain your information on the telephone, via text messages or e-mail.
  • Do not disclose personal information or provide a copy or your credit or debit cards to foreigners outside your home, bank branches or self-service stores who offer payment of bills or commercial, bank or discount cards.

Use and operation of Banamex Credit and Debit Cards:

  • During your trips, never leave your cards in the room, even if they are in a suitcase; try to leave them in the hotel's safety box.
  • Carry your ID and only the credit or debit cards you will use with you.
  • In case of loss or theft of your card, report it immediately to your bank.
  • Always keep your card at sight when making a payment at a store. Ask for the transaction to be made in front of you. When your card is returned, make sure it is yours.
  • Do not lend your card, and do not let other people use it in your name.
  • Do not leave your card or personal documents in your car, especially in parking areas with valet parking service.

When opening a Checking Account:

  • When you receive your check book, make sure it is properly packed and sealed.
  • Count the number of checks you receive and check the sheets are consecutive in order to make sure there are no checks missing.
  • In case of abnormalities with your check book, do not receive it and report it immediately to the branch manager.
  • Never open an account based on instructions from a third party, and do not cash a check for people you do not know or whose professions seem suspicious.

When drawing or receiving a check:

  • Make sure that the checks you receive do not have cross outs or alterations to any of its details.
  • Use a ball point pen to fill in your checks.
  • Avoid drawing bearer checks
  • Try to draw nominal checks with the legend "To be paid into account". Otherwise, draw two transverse parallel lines.
  • Draw a line at the beginning and end of the information for the amount in letters and beneficiary information.
  • Make sure the amount in numbers matches the amount in letters.
  • If applicable, observe the check drawing procedure established by your bank.

Safety tips to remember:

  • Have strict control of the people who access your blank checks and your account information.
  • Unless it is strictly necessary, do not authorize third parties to pick up your check books.
  • Take control of the checks you draw and receive.
  • Keep your check book in a safe place and avoid leaving your cards,, check books or personal documents in your car, especially in parking areas with valet parking service.
  • Count your checks regularly, to make sure there are no missing checks.
  • Regularly check the transactions displayed in your statement.

Confidentiality and passwords:

  • Avoid storing financial information (users, passwords, PIN, statements, etc.) in your personal computer.
  • Change all your passwords at least every two months.
  • Try to have different passwords for each service.
  • If you have a Token (dynamic key generator) to access online bank services, keep it in a safe place.
  • Financial institutions will never request personal or confidential information by e-mail or telephone.


  • Avoid accessing your bank online bank service site through links. Directly type your bank's internet address in the address bar.
  • Never click or respond to a (pop-up) window or suspicious e-mail, because it may lead to an imitation of a Website and request personal or financial information or your password details.
  • Regularly update your anti-virus and anti-spyware software in order to avoid transmitting your information to a hacker.
  • Regularly access your bank online banking service and check your registered accounts in order to make transfers to third parties, in the same bank or to other banks. Make sure there are no accounts you have not registered.
  • Regularly check your account balance; in case of discrepancy, report it to your bank immediately.
  • If you receive an e-mail which allegedly comes from your bank requesting you to contact a certain telephone number, don't do it; it may be fake. Use your bank usual number and confirm if they have sent the e-mail.


  • People whose identities have been stolen may take months or even years in order to solve the problems the thieves created in their name and to clean their record at the credit bureau, or their equity may be spent.
  • Scammers look for personal information (names, addresses, telephone numbers, federal record of deceased persons, etc.) and financial information (bank account numbers, card numbers, access codes, PIN, etc.).
  • Never provide personal or bank details on the telephone, unless you have started the call or you are completely certain of the other party's identity.
  • Scammers try to deceive you in order to obtain as much information as possible. They use this information in order to steal your identity or your money.
  • Take special care when you change your address; make sure the mail is delivered at your new address and not at your old address.
  • In order to prevent third parties from obtaining confidential and personal details from your mail, check it every day.
  • If you go on holiday or will be away from home for some time, ask a neighbor or relative you can trust to pick up your mail.
  • Destroy any documents which contain personal details before your throw them away.
  • Check your credit history at the credit bureau at least once a year and submit a clarification if you detect loans you did not apply for.
  • Report any loss or theft of documents to the authorities as soon as possible.

  • If you receive a call regarding products or services offerings (to purchase or contract), don't trust them and don't give in. A serious company will understand that you want to decide carefully before making a purchase or contracting.
  • It is easier to delete an e-mail than saying "no!" to a person on the telephone. However, if offerings or promotions seem suspicious, do not feel pressed; reject them politely and end the conversation.
  • Anything that seems too good to be true is usually not. For example, if you receive a message on your cell phone saying that you won a car, and are asked to call a number and need to provide information of your cards or you are asked to purchase telephone cards, it is probably a scam.