How to save money online without ever losing money in your account

Savings deposits can still be lost

To encourage customers to deposit savings online, banks often list interest rates 0.1-0.5% higher per year than at the counter. Therefore, more and more people choose to deposit savings online. If customers are not vigilant, they can have their money stolen by criminals in case their savings accounts are hacked and their mobile devices are taken over.

Cyber ​​security expert Le Duc Anh said that the key to malware attacks is that hackers always trick victims into downloading applications containing malware.

In some cases, users are not asked to download a strange application but are asked to click on a link containing malicious code, from which hackers can infiltrate the user's phone.

“Recently, people’s awareness of information security has improved. However, it must be admitted that no matter how high people’s awareness is, it cannot keep up with the speed of malware evolution,” the expert said.

According to a cybersecurity expert, to be 100% safe, instead of depositing money online, users can deposit at the counter and keep a physical book.

“Once you have a paper savings book in hand, if you accidentally lose your savings, it is entirely the bank's fault, so the customer can ask the bank to refund it.

Or if saving online, customers can ask the bank to confirm that online settlement is not allowed. Request the bank to freeze the account, only open it when the owner directly comes to the transaction office to request.

In addition, it is possible to deposit jointly owned savings at the counter. When needing to close or withdraw part of the savings, the signatures of the two people whose names are on the savings book are required," said this expert.

At the same time, he also said that if customers want to be more secure with the money in their payment accounts, they should register for biometric authentication. Customers can even ask the bank to confirm that the account is only allowed to transfer a certain maximum limit, which can be less than 10 million VND.

Things to do immediately when you lose money

According to the recommendations of banks, when losing savings in online savings accounts, customers need to quickly contact the bank for the fastest support, providing the bank with evidence to prove that they have been scammed by:

Keep the original and print out a copy of all communications with the scammer such as SMS messages, social media messages, emails, letters, call recordings (if any); make a written statement/report of the incident, listing the entire timeline, content of the incident and all the information you have about the scammer. If there are receipts or transaction documents, customers must also keep the original and print out a copy to send to the bank.

In addition, customers can request to print transaction statements to prove loss of assets.

Customers need to contact the bank via hotline or customer service center as soon as possible from the time of discovery, within 30 days from the date of incident.

After receiving information from the customer, the bank will proceed to check and retrieve information about the fraudulent transaction. At this time, the customer needs to cooperate with the bank, provide additional evidence and documents that the bank requires to serve the investigation such as a copy of the police report, incident report, etc.

After 30 days, if there is still no result, customers should contact the bank's hotline or customer service center to ask about the complaint handling process. Normally, banks will try to resolve the problem within 60 days, maximum 90 days according to the provisions of Article 512 of the 2015 Civil Procedure Code.

To ensure the complaint handling process goes smoothly and quickly, customers can invite a consulting lawyer to closely follow the case, advise on optimal solutions, help customers store documents/records as well as communicate with the bank on your behalf.

In addition to the bank, customers also need to report the incident to the police so that the authorities can quickly prepare a file and process it.

Although the situation of losing savings when depositing money online is very rare, to prevent unwanted situations, customers should keep their account information secure.

Several major banks said they have invested heavily in their security systems to ensure the safety of user accounts. Techcombank said that customers' deposit accounts at the bank are secured by a system that includes: two-layer authentication including passwords and biometrics for logging in and making transactions;

All information transmitted from the customer's computer to Techcombank's system is encrypted; all online transactions made by customers require authentication steps using fingerprint/Face ID/password;

Banking systems have firewalls to prevent unauthorized access to the system. At the same time, banks also use advanced mobile security solutions to identify fake servers/unsafe networks and issue warnings.

The bank's technical solutions comply with cybersecurity laws and regulations of competent authorities and international standards on cyberspace: ISO 27001, PCI-DSS...