Internet Banking is accessible via any PC with Internet access. However, before using Internet Banking you should ensure the PC has up-to-date security software and is free from Viruses or Trojans.
Try to avoid shared computers, like those at an Internet cafe, because you won't always know if it's backed up with good security software.
Keep in mind when using other computers to download your bank statement, the browser may cache your information and make it available for other people to view. To avoid this please ensure you clear the cache at all times.
If you must use a shared computer, sign out properly and close the browser or application completely when you've finished.
Protect your computer
- Install security software.
- Turn on automatic updates for all your security software.
- Avoid using public computers as they may have a keystroke logger installed that captures password, credit card and bank account details.
- Set strong passwords and change them regularly
- Examine your browser settings, particularly the security settings. Select options that meet your needs without putting you at increased risk. If in doubt set the security levels to high.
- Most banks have SMS Code which uses your mobile phone to confirm certain transactions via text message when banking online. It's quick, simple and provides you with increased security, free of charge.
- Identify and delete hoax emails
- Delete SPAM - don't open emails from a source you don't trust. Even better, check if your Internet service provider offers a spam filtering service
- Phishing filter - the latest browsers offer a built-in filter that scans web pages you visit for characteristics associated with known online web fraud or phishing scams, and warns you that such sites might be suspicious
- Always access www.westpac.com.au by typing the address into your browser, checking that you're connected to a legitimate Westpac website. And always select "sign out" from the Online Banking menu when you complete your banking. This applies to all banks.
- Protect your identity - never provide your personal or security details, including customer ID or passwords, in response to any email, even if it looks legitimate. Visit Protect your financial identity for more information.
- Confirm that your data is encrypted - by ensuring a symbol of a lock appears within the browser
- Check your last sign-in date and time (at the top of the screen) whenever you sign into Online Banking to make sure it appears correct
- Regularly check statements for any transactions that look suspicious.
Protect your family
- Create different user accounts - admin access for parents, and restricted accounts for children
- Block inappropriate content with an Internet content filter
- Stay Smart Online: a Government cyber security website designed to help understand security risks and educate users on simple steps to protect personal and financial information online.
Protect your business
- SecurID® tokens: also known as 2nd factor authentication, allow you to make higher value payments online. The ultra secure process combines a security code generated by your SecurID® token and an individual password known only to the user.
- Keep data safe: implementing a regular backup procedure is a simple way to safeguard critical business data. Setting permissions and using encryption will also help.
- Set rules for Internet usage at work - unscrupulous web sites, as well as pop-ups and animations, can be dangerous. Set rules about Internet usage to protect your business and your employees.
- Remote access may be a business necessity, but it is also a security risk you need to closely monitor. Use strong passwords and be especially cautious about wireless networks.
- Protect your website with a controlled 3rd party 'ethical hack', which can help assess and mitigate the risks for Internet security, independent of any vendor or supplier.
Updating your operating system on a regular basis is the first line of defence in keeping your computer secure. Updates (see if they can be automated) help prevent data loss, viruses and other potential risks. Microsoft Windows and Apple Mac OS are the most common operating systems.
Online virus scanners
F-Secure online scanner
Microsoft Security Essentials
McAfee Multi Access