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Preventing fraud: what you can do yourself

What you can do

Of course, we take the necessary security measures and ensure that you can do your banking securely without having to worry. It is important that you know what you must and must not do. We have summarised this for you below.

Follow the five security regulations

If funds have been debited from your account without your permission, you will always receive your money back if you stick to the five security regulations. These regulations have been drawn up by the banks and payments associations.

  • Always keep your security codes secret.

  • Make sure that your debit card is never used by anyone else.

  • Make sure that the device you use to do your banking is secure.

  • Check your bank account regularly.

  • Report any incidents to the bank immediately and follow the bank's instructions.

Read 10 tips for safe Mobile Banking

We do our utmost to ensure secure banking for our customers. But it is equally important for you yourself to be aware of how to use your device and your details securely.

Set a daily limit for your identification code

You can transfer funds in the Mobile Banking app and on Internet Banking using your identification code. To reduce the risk of potential misuse, you can do this up to a maximum amount. This maximum amount is called your 'daily limit'. You can set your daily limit yourself up to a maximum of €750. To transfer a higher amount, or if the total amount exceeds your daily limit, you will need your e.dentifier. This is an additional security measure.

Change the limits on your debit card

  • You can set the maximum amount you can spend on your card each day yourself. We advise you to keep these amounts as low as possible.

  • You can also specify whether you want to be able to use your debit card within or outside of Europe. We advise you to enable the 'World' setting on a temporary basis only. 

    This reduces your risk in the event of loss or theft of your debit card.

Be careful when banking using your fingerprint

  • Ensure that no one else's fingerprint is registered on your device if you want to use your fingerprint in the Mobile Banking app. Other people's fingerprints might be registered on your device without you even realising. Please check this in your device's settings.
  • If you are not sure whether someone else's fingerprint has been registered, remove all of the fingerprints and re-register your own. 
  • If you enable your fingerprint for the app, you should not share your device with other people. This way, nobody else can add their fingerprint. Whenever a fingerprint is added or removed, you will receive a notification on your screen that the fingerprint feature in the app has been blocked. You will then need to re-enable it.

Setting payment alerts

Payment alerts allow you to see exactly what is happening in your account. A payment alert is a message you receive when certain payments are made to or from your account. You can specify the payments for which you would like to receive a payment alert, for example when a certain amount is paid into or debited from your account. Or when your account balance is lower than a certain amount. This allows you to see immediately whether or not suspicious transfers have been made from your account.

Keep up to date

Criminals keep thinking up new ways to defraud you. Do not let them catch you unawares. Keep up to date with the most recent fraud incidents and other developments through veiligbankieren.nl.

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