Important information – rules of safe behaviour on the Internet and in the internet banking 

Dear customer,

Due to the growing interest in new technology and sharply increasing numbers of users of Online Banking and BusinessNet internet banking and also Smart Banking mobile banking of UniCredit Bank, we hereby point out several basic principles of safe behaviour on the Internet and in the Internet banking. Follow these rules to minimize potential attacks on your computer and mobile device by viruses or other malicious software and to maximize the protection of your data and finance. Please read this Decalogue carefully.

1. Only you know your security data and nobody else

Do not disclose your security data to internet banking (user number, password, PIN, security code) to any person and do to send them by e-mail or provide them by means of social networks. Most importantly, mind your privacy when log in and make sure that other people cannot see your login data. Also do not leave your computer or mobile phone unattended, use keyboard locks and access codes. Avoid the use of direct banking products in the public (for instance, in public transport) or in monitored rooms (for instance, within the reach of security cameras).

2. Mind where you access your internet banking

Do not use internet banking on computers of which you cannot be sure that they are free of malicious programmes. Certainly avoid any public computers in internet cafés or at airports and in information centres. If possible, use only your computer or mobile phone to access your internet or mobile banking. Always check in the browser header whether you use secured link to access your internet banking. It’s simple, the site has to start with https:// (the “s” at the end is important), and also the browser might inform you about it by green colour or by the symbol of locked lock before the name of the site.

3. Beware of unknown links and web sites

Visit only known and trusted Internet sites. Today’s attackers are ingenious and can very accurately reproduce, for instance, a login site to Internet banking and smartly lead you to it. Beware of any unknown links on the Internet or in e-mail which will take you to sites resembling a login form to Internet banking, e-mail or to social networks, for instance. If you consider the login site to Internet banking products suspicious in any way, do not log in and contact the customer line. Check in the browser header whether you actually are on the given web site and not the false one (web site of UniCredit Bank internet baking is https://cz.unicreditbanking.net).

Sites with erotic contents or for software, music and video download are especially dangerous and they often contain a lot of malicious software and viruses.

4. Suspicious e-mail? Do not open it, rather delete it.

UniCredit Bank never sends e-mails requesting identification data, passwords, PINs, etc.. Never respond to such requests and please inform our customer line. Open only trustworthy e-mails from known and expected senders. If an e-mail seems suspicious in any way, rather delete it immediately. If you have already opened a suspicious e-mail, certainly do not open attachments and links it contains. And if you click on such a link or open such an attachment, immediately close them and do not allow the programme or browser to install anything.

5. Protect yourself against spams

The best tool to eliminate majority of unsolicited and dangerous mail is to setup and actively use e-mail spam protection. Most public services offer such protection, as well as many e-mail clients such as Outlook and other. The setup is often intuitive and simple. Also consider using further security programmes such as antispyware and antiadware which protect you from unsolicited advertisements and dangerous programmes.

6. Use and update your antivirus programme and firewall both in your computer and on your mobile phone

Regularly check your devices by means of antivirus. Never turn off your antivirus programme; do not forget to regularly update it and use its newest version with implemented protection and detection of malicious software. Criminals never sleep; the older is your antivirus programme, the less effective it is against new threats. We also recommend you to use firewall on your computer. Get antivirus also for your mobile phone. It is very dangerous to think that phones cannot be attacked by viruses; you might pay dearly for that assumption. If you have any suspicion that your computer or mobile phone was attacked by virus, do not use it to access your Internet banking or other services containing your personal data (e-mail, social networks, internet shops, etc.) and contact an IT specialist.

7. Update your devices, your computer and mobile phone

Regularly update your programmes and the operation system. It is particularly important to update Internet browser in your computer and mobile phone and all its so-called plug-in modules (for instance, Flash player). Also update all your security programmes. Check for released operation system patches and do not delay their installation. If you have a smartphone or tablet, we recommend you to use the newest version of operation system (the so-called firmware) officially offered by the device manufacturer. All old versions of your programmes are potential threat to safe browsing and thus to your finance. Never install any programmes, the origin of which is not known to you, into your computer or mobile phone. Install on your mobile phone only applications from official application stores - Google Play (Android), App Store (iOS), and Windows Marketplace (Windows Phone).

8. Know your balance and transactions

The best early warning tool to find out that anything is out of the ordinary is to know the balance on your account and the transactions you have made. Have text messages (SMS) or e-mails containing information about transactions made automatically sent to you. If you notice any transaction you have not made, immediately contact the Bank.

9. Regularly check for news about Internet security

The more information you have, the safer you can behave on the Internet. Regularly check for news in the Internet security area and follow all the recommended rules.

10. Any suspicions? Immediately contact our customer line

If you notice anything suspicious in connection with your internet or mobile banking, do not hesitate to immediately contact UniCredit Bank Infoline +421 2 6920 2090.

Best Regards,

Your UniCredit Bank