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0860 123 000 | +27 11 299 4701
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Security tips

  • Security tips for the holiday season
    Top 5 security tips
    1. Never tell anyone your ATM PIN, customer-selected PIN (CSP) or password.
    2. Never respond to unsolicited emails requesting personal information.
    3. Check your bank statements regularly to identify any errors or fraudulent transactions that might have been performed on your account without your knowledge.
    4. Use our security features to ensure you have a safe and secure banking experience.
    5. When in doubt, contact our call centre on 0860 000 123.
  • Internet shopping security tips
    Ensure the company is reputable
    Only buy from companies you know. If you are not sure, rather ask around to see whether anyone has ever heard of them. Always find a mailing address and phone, preferably landline, number for the company.
    Ensure the site is secure
    Look for signs of security on the site. Symbols like an unbroken lock or key and a URL that begins with https:// mean that no one but you and the merchant can view your payment information.
    Keep a record of your transactions
    Save and/or print the online confirmation of your orders.
    Paying via email is not secure
    You should never send payment information such as your card and CVC number via email. Information that travels over the Internet as regular email is not fully protected from being read by outside unauthorised parties.
    Keep your personal information private
    Never tell the merchant your ATM or any other PIN. Your secret PIN should never be shared with anyone.
    Register for MasterCard SecureCode or Verified by Visa
    This is an added security feature provided by MasterCard and Visa. $$Click here for more info.$$
  • Internet banking security tips
    • Always access our Internet banking service by typing the full URL (http://www.standardbank.co.za) into your browser.
    • Never click on a link in an email that takes you to a website that asks you to enter your personal details either in the email or website. If in doubt, please call 0860 123 000.
    • Use up-to-date anti-virus software and a personal firewall. We suggest any reputable anti-virus and personal firewall software such as AVG, McAfee, Norton and Panda.
    • Make use of the additional security features such as MyNotifications and one-time password.
    • Be cautious if you use Internet cafés or a computer that is not your own.
    • Keep your Microsoft security up to date. Go to Genuine Microsoft Software now.
  • Cellphone banking security tips
    • Never give your personal details to anyone without making sure that they are who they say they are.
    • A Standard Bank representative will never ask you for personal or banking information in an SMS.
    • You should view SMS asking for your personal information with the same amount of suspicion you would the person behind you in an ATM queue.
    • Treat SMS that appear to be from us asking for your personal details with suspicion.
    • Never reply to their SMS or get into a conversation with them.
    • Never provide your personal details, for example, your PIN or account details by SMS.
    • Do not follow any links in SMS to reach our Cellphone banking or Internet banking website. Always enter our website address (http://standardbank.mobi/) or dial our string (*120*2345#) to access Cellphone banking.
  • ATM security tips
    • Only use ATMs in well-lit, high-traffic areas. If the lights aren't working, don't use that machine. Stay alert. Look out for suspicious individuals or circumstances. If you feel uncomfortable, trust your instincts and leave the area.
    • Have your ATM card for your transaction ready and in your hands. Opening your wallet or purse can be time consuming and also provides a potential thief with easier access to your valuables.
    • Never tell anyone your personal identification number (PIN) and be sure to shield the keypad with your hand when entering your PIN. To further reduce the risk of fraud, memorise your PIN and never write it down.
    • Be wary of strangers who offer to help you, even if you are experiencing difficulty with your transaction. Don't allow others to distract you while you're banking.
    • Make sure the card you get back from the ATM after your transaction is yours.
    • Don't count or expose your money after your transaction. As soon as you receive your money and bank receipt, put them away and leave the ATM area.
    • Contact us immediately on 0800 020 600 if you lose your card or it is stolen.
  • Business Online

    Even though the Business Online system is secure, there are potentially other ways our clients could be susceptible to fraud. There are indications that online fraud is on the increase in South Africa and we would like to urge you to take all necessary precautions to counter this threat.

    Please familiarize yourself with the information available on our security pages. You can also download a version of this information for offline reading or distribution to colleagues or friends.

    downloadClick here to download (350KB).

  • Credit card security tips

    To protect the safety of your cards and other banking details, make sure you never let your cards out of your sight, or tell your PIN to anyone. Always check your bank statements regularly. When in doubt, call 0800 222 050 for help.

  • Tips for businesses

    How is fraud committed?

    These are the ways fraud can be commited. They are:

    1. Phishing or other unauthorized access to your accounts

    Phishing happens when a fraudster sends you an email claiming to be from a recognised organisation, for example, Standard Bank, to try and mislead you into revealing sensitive information about yourself and your accounts. This information can be used to access your accounts and for identity theft.

    To prevent this type of fraud happening to you:

    • Never respond to emails asking for personal information. Standard Bank will never email you asking for personal information so be suspicious of any organisation that does.
    • Never click on a link received via email. Rather copy and paste the link into the browser.
    • Be wary of accessing Internet banking or Business Online from internet cafes, hotel facilities or any other unsecured network - the infrastructure is not sanitised or protected according to your organization's recommended standards.
    • Refrain from sharing your logon credentials, and/or 2Factor security token (Business Online users) with anyone.
    • Please send all phishing queries to phishing@standardbank.co.za

    2. ID theft or impersonation

    Identify theft involves illegally obtaining information in order to impersonate a person or organisation. Protect yourself by always shredding anything with personal information before disposing of it. Take steps (like specialised software) to make sure that when you trade, sell or dispose of a computer system, the data on hard drives is completely destroyed. Physically destroy CD's or DVD's by breaking or shattering them before you throw them away. The other form of fraud using ID theft or impersonation is when fraudsters contact you and inform you that their banking details have changed and so that when you pay them for services rendered or for purchases received you pay the fraudulent account and your supplier never receives the payment.

    - Scutinise your bank statements regularly for any suspicious transactions. This includes credit card and any other bank statements to make sure there are no discrepancies or charges that should not be there.
    - Limit how much information you carry with you.

    3. Internal fraud

    Internal fraud happens when your staff gain access into your account without permission through obtaining your logon credentials, and/or 2Factor security token (Business Online users); or by executing transactions that they are not authorised by you to do

    To prevent this type of fraud happening to you utilise Business Online's security features:

    • Ensure that all your operator access rights are correct and relevant to ensure segregation of duties.
    • Reduce financial exposure by lowering the transactional limits of unavailable operators or by reducing the limits.

    4. Skimming

    Skimming takes place when fraudsters use a card reader to record the data on a credit, cheque or debit card. Skimming can happen at restaurants, taxis or any other businesses where an employee takes the account holders card in order to run the charge.

    To prevent this type of fraud happening to you:

    • Ensure that you never let any of your bankcards out of your site because fraudsters can only skim your card if you aren't paying close attention

    5. ATM fraud

    ATM fraud happens when fraudsters place an ATM card reader on an ATM to record all the data of the cards used in the machine. The counterfeit card reader is camouflaged and looks very similar to the original ATM card reader.

    To prevent this type of fraud happening to you:

    • Never let your card out of your sight, and always be vigilant of any machine that appears as though it may have been tampered with.
    • Never tell anyone your pin as it is the key to your account and funds.

    6. Cheque fraud

    Follow these guidelines and protect yourself against cheque fraud.

    To prevent this type of fraud happening to you:

    • Never sign black cheques.
    • Immediately report the loss of your cheque book to the bank.
    • Cross your cheques.
    • Avoid posting cheques as they could be intercepted.
    • Do not leave open spaces, draw a line to avoid any information being added.
    • Before releasing goods you have sold, verify that a deposit has been cleared with the bank.

    Always monitor your accounts for suspicious activities by:

    • Checking your bank statements often.
    • Make use of the MyUpdates Fraud Presentation tool on your accounts to always know exactly when money goes in and out of your accounts. To register call 0860 123 107 or visit your nearest branch.
    • Make use of the Business Online Pay Alert functionality that will allow you to monitor activity on your accounts and draw attention to any suspicious activity