Safety Tips | Panin Bank

Beware of Phishing

Phishing is an action taken by an irresponsible person to take personal data such as User ID, PIN, card number, account number etc.
Phishing is done anytime and is not limited by time, while the place can be anywhere, both in Indonesia and abroad. Usually phishing uses a fake web site that is similar to the official/original web site and added certain logos that can convince customers. Sending a filled-in form via e-mail asking for a user ID, password or PIN and asking customers to perform “Token Synchronization” at Panin internet login. This technique is done to obtain User data such as user ID, password or PIN illegally.

How to prevent phishing? How is phishing done?

Common techniques that can be used to prevent phishing are as follows:

Make sure to type the full URL for the bank's official web address, namely: http://www.panin.co.id
Never give your user ID and PIN to anyone and Panin Bank never asks for a PIN for any reason! • Don't be tempted to do “Token Sync”
If you receive an email stating that your User ID has been blocked or closed, immediately contact the Panin Bank Call Center at 1500678 (PSTN), 021-2515555 (IDD), or 60678 (mobile phone)
If you receive an e-mail containing a notification that Panin Bank is upgrading the system and asks you to confirm with your personal data, do not reply or click on the link in the e-mail. Panin Bank implements a policy not to ask account owners/customers to update data via e-mail.
If you have continued to reply, immediately contact the Panin Bank call center to delete the internet banking facility, and please re-register through the nearest Panin ATM or branch
Be careful if you respond to an e-mail asking for information about your account, such as User ID, PIN, account number/ATM card number, or notification to make a transfer because you won a certain lottery. It could be that this is the work of irresponsible people to trick you. This type of fraud is known as phishing.
Use of fake e-mail addresses and graphics to mislead the Customer so that the Customer is provoked to accept the validity of the e-mail or web site. In order to appear convincing, perpetrators also often use logos or trademarks belonging to official institutions, such as banks or credit card issuers.
This forgery is carried out to lure victims to submit personal data, such as passwords, PINs and credit card numbers
Create a fake site that exactly matches the official site or the phisher sends an e-mail containing a link to the fake site.
Create hyperlinks to fake websites or provide filled out forms that are affixed to e-mails sent.

Prevent Phishing

Don't be easily tempted to follow any directions/instructions regarding your account information or requests to update data received via e-mail which is usually equipped with a link that seems to direct us to the official website of the bank where we save. If you receive this kind of e-mail and on behalf of Panin Bank, be careful. Panin Bank implements a policy not to ask account owners/customers to update data via e-mail. If you receive an e-mail like this, immediately report it to Panin Bank. If you have questions about the e-mail sent by Panin Bank or if you feel that someone is trying to abuse on behalf of Panin Bank, please contact the Panin Bank Call Center from your telephone or mobile phone to confirm.

Safe Tips To Protect Yourself From Phishing Scams

Panin Bank customers can access secure Internet Banking Tips on Panin Bank's official website (http://www.panin.co.id/) and Internet Banking login page
Make sure you access the safe Panin Bank Internet Banking by accessing the official website address with the full URL name, namely: http://www.panin.co.id
Never share or give your User ID or PIN to others, even Panin Bank staff. Panin Bank never asks for a PIN number for any reason.
If you receive an e-mail containing a notification that Panin Bank will close your account or User ID, if you do not confirm with your personal data, do not reply or click on the link in the e-mail.
Don't be tempted to follow the recommendation to make a transfer to a certain account, with the aim of getting lucky draw prizes.
Make sure your browser has a lock / key image indicating that the page you are currently accessing is encrypted using SSL. If you don't see the image of the lock/key, please log out.
Use Firewall on your computer and make sure that the firewall settings can secure your computer
Panin Bank Tokens are only used for financial transactions: transfers, payments, and purchases. As well as for non-financial transactions: activation of the Panin token.
Internet Banking users are more alert and examine the appearance on the Internet Banking screen before inputting and providing information on token response results during transactions for your safety and convenience.
Never input Panin Bank tokens outside of the usual Financial and non-Financial transactions.
Do not lend, transfer your Panin Token, and share your Panin Token PIN with others
To avoid writing the address of the Panin Bank Internet Banking site incorrectly, save the site address in the favorites or bookmarks menu, so that in the future if you want to log in to Panin Bank Internet Banking, simply select it in the favorites or bookmarks menu.
If the screen or display of Panin Bank Internet Banking changes, please contact Panin Bank Call Center 1500678 (PSTN), 021-2515555 (IDD), or 60678 (mobile phone) to ensure that Internet Banking is legal and safe.
If you receive an email stating that your User ID is blocked or closed, immediately contact Bank Panin Call Center 1500678 (PSTN), 021-2515555 (IDD), or 60678 (mobile phone).
If you receive an email informing you that you have received a prize or sweepstakes which you must then transfer to a certain account, do not follow the advice.
Use the latest anti-virus on your computer, and make sure that your computer is scanned in real-time.
Use a firewall on your computer and make sure that the firewall settings can secure your computer.
Ensure that the operating system and other software versions are up-to-date.
Make sure that you only download files from safe websites and scan files from the internet before use.
Scan the USB flash disk that you are using before use.
Delete suspicious emails or those that come from unknown senders, and scan email attachments before opening.
When making a transfer transaction, make sure that the name and account number of the transfer recipient is correct.
Check the list of transfer destination accounts periodically. You can delete the destination account that is no longer needed on the Administration menu - Delete Transfer List.
Change the PIN periodically with a unique combination of numbers that is difficult for others to guess.
Beware of fraudulent attempts from individuals who claim to be bank officers/Panin Bank officers via telephone, fax or email, who ask for personal data, including Internet Banking PIN and Panin Token PIN. Because Panin Bank officers will not ask or ask for a PIN number.
It is recommended that you do not access Panin internet banking at internet cafes or networks whose security cannot be ascertained.
Make sure that you are logged out when you leave your computer even for a moment.

Difference Between Virus and Worm

The difference between a virus and a worm is in the way it is spread. Viruses occupy space in storage media (for example, attached to files or stored in the hard disk boot sector) and generally spread through USB flash disks, email attachments, files downloaded from the internet, or through visits to web pages that deliberately created to spread the virus. While the worm spreads through the network. There is also a combined program between viruses and worms, which are stored on storage media but spread through the network.

Some examples of the impact of a virus / worm infection:

The computer becomes unstable and often 'hangs' (hangs)
Computer becomes slow
Data on the hard disk is corrupted or sent to other parties via the network
Application program cannot be used
Passwords typed on the keyboard can be intercepted and sent to other parties for fraudulent purposes

Trojans
A Trojan is a type of virus that disguises itself as another safe file, such as a document Excel attached to the email. Computer users are tricked into performing actions that can spread trojans, for example opening the attachment thinking it is an Excel file ordinary when it actually contains a trojan program.

Spyware
Spyware is a type of computer program created to 'steal' important/personal information from an infected computer and send it to a specific location on the internet to be retrieved by the author. Information that is the main target for example: credit card numbers, User ID and PIN/passwords, account numbers, email addresses, and others. Spyware can be installed via email attachments, programs installed from unknown sources, or by 'evil' websites.

Bots (roBots)
A bot is a type of computer program that can cause a computer to be controlled by another person remotely over a network. The Bot creator/spreader will be able to do anything with your computer. Generally controlled computers are used to send Spam, Viruses, Worms or to attack other computers.

Tips for safe transactions in Mobile Banking:

If you receive a text message (SMS) which informs you have won a lottery or a drawing and requires that you transfer a certain amount of money to a certain account number via mobile Banking, do not respond as this is a fraud.
Never download Mobile Banking applicationwhich is not from the authorized website of PaninBank Internet Banking and/or not based on the instruction of Customer Service officer of the nearest PaninBank office.
Use Internet network which always uses security key code or uses other security measure. It is not recommended to use public WiFi to access mobile banking as its safety is not reliable.
Change the access code, mobile banking PIN, Internet banking PIN and PaninBank token PIN periodically using unique and difficult-to-guess combination of letters and numbers.
Beware of fraudulent attempt by irresponsible individuals claiming to be an officer of PaninBank, contacting via telephone, facsimile or email and requesting your personal data, including PaninBank Mobile Banking PIN, Internet Banking PIN and Panin Token PIN. Authorized PaninBank officers will never ask for these data.
If you receive a message explaining unauthorized application/ certification/ services, please stop accessing Mobile Banking service and immediately contact PaninBank Call Center on 1500678 (PSTN), 021-2515555 (IDD), or 60678 (cellular phone).
If you lose your cellular phone, please contact PaninBank Call Center and your cellular provider to block the number.

Beware of fraudulent acts at ATM:

Should you receive a text message (SMS) which informs you that you have won a drawing prize and asks you to transfer an amount of money via ATM to a certain account number so that you are entitled to the money prize, never follow the instruction as you will never get the promised prize money.
If you experience difficulty inserting your ATM card or if your ATM card is stuck inside the machine before you execute any transaction, decline any offers of assistance from anyone and directly call PaninBank Call Center on your cellular phone to block the card and inform of the location of the ATM.
When you want to conduct a banking transaction at an ATM, pay attention to card slot/card reader. Make sure there is no suspicious material attached or stuck to the slot. If you are not sure, don’t proceed with using the ATM. Internet Banking

Here are the PIN Security Tips:

Don’t inform anyone your PIN, not even to close relatives or associates.
Don’t write down your PIN anywhere, most especially not keeping it in your wallet.
Make sure no one can see your PIN when you are entering it, by using your other hand to cover your hand when typing in your PIN.
Change your PIN periodically with unique and difficult-to-guess combination of letters and numbers.
Beware of fraudulent attempt by irresponsible individuals claiming to be officers from PaninBank, who contact you on telephone, facsimile, or email and ask for your personal data, including PIN. PaninBank officers never ask for the customer’s PIN.