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Fraud security

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Fraud costs organizations worldwide an estimated of $7 Billion in total loses, according to a study conducted by the Association of Certified Fraud Examiners (ACFE).

That is why; we strive to provide our customers with simplest and most secure banking experience possible. We use cutting edge technologies to protect customer information and constantly evaluate, develop, and implement advanced banking security measures as well as empowering you with safety tips to protect you from cyber fraud.

1.ADIB-Egypt Protection

We consider customers' information and records of utmost importance. We use state-of-art technologies and multi-layered security solutions to protect customer information and constantly evaluate, develop, and implement advanced banking security measures.

Firewall

A firewall is a network security system that prevents unauthorized access to the ADIB-Egypt servers. Which will protect banking system from external threats.

Encryption

When logging to our online banking services, our online server will establish a secure connection with your computer, which you can notice https:// that will appear on your browser address bar.

Digital Certificate

With this feature, you can be sure you are on a legitimate ADIB-Egypt Internet Banking website by simply looking for the green lock in the browser’s address bar

Dual-factor Authentication (OTP)

We provide an additional layer of identity authentication through OTP (One-Time-Password) before you are allowed to perform high-risk activities online, such as the below:

  • Adding Beneficiaries,
  • Updating Profile Information,
  • Registering Online Banking,
  • Bill Payments,
  • Transfers to another bank.

Virtual Keyboard

Virtual Keyboard is an online application to enhance security against keystroke capturing by fraudsters.

Timed Log-off

To further protection against unauthorized access to your accounts, our systems are designed to automatically terminate a secure online session if extended inactivity is detected.

SMS Alerts

We facilitate customers with an option of enrolling to SMS services alerts to stay informed when important account information changes or transactions are made using your accounts. We recommend customers to use this service to receive timely alerts on your accounts

Anti-Skimming Devices

We provide an additional layer of identity authentication through OTP (One-Time-Password) before you are allowed to perform high-risk activities online, such as the below:

  • Skimming is a technique used by criminals to copy card data from the magnetic strip on a Covered “Cashback” / Debit card.
  • ATMs are deployed with intelligent anti-skimming devices to prevent tampering or interference of ATM machines.
  • Registering Online Banking,
  • ntelligent anti-skimming mechanism is equipped with security features that prevents the copying of your card data and sends security alerts to the bank.

2.Protect Yourself:

Protecting your card PIN

  • Memorize your PIN - never write it down anywhere.
  • Never share your PIN to any person, such as family members, bank staff or Police, as they should not ask for this information.
  • Do not choose an easy PIN. Example: your birth date, phone number or parts of your card number.
  • Don't let anyone else see your PIN when you enter it at an ATM or POS terminal.

Security tips for online shopping

  • When using your card to purchase online, choose trusted stores.
  • Only use the trusted site with a locked padlock , which is located in the top left of your browser window or the site starts with "https://".
  • Take a screenshot of the transaction for your records. This will make it easier to check against your covered card “Cashback” statement.

Tips to reduce Card Frauds

  • Regularly check your Covered card “Cashback” account balance. If you suspect there are fraudulent transactions on your account, call us immediately.
  • Don't give your card number or PIN number over the telephone to callers. Only make the telephone transaction when you have initiated the call and you are familiar with the company.
  • All the time, don't let your cards out of your sight and never leave cards unattended.
  • Keep your personal information, including mobile phone number, up-to-date so we can contact you if an unusual transaction is detected.
  • Do not transfer or accept any amounts into your account from unidentified parties, as parties can manipulate you as a medium for illegal money transfers.

Tips for using ATMs

  • Observe your surroundings before using an ATM. If the machine is obstructed from view or poorly lit, visit another ATM.
  • Cover screen and keypad. You don’t want anyone to see your PIN or transaction amount.
  • When using a drive-up ATM, make sure all passenger car doors are locked and windows are up to avoid stranger rising suddenly with you.
  • Look out for ATMs skimming, which is adding external parts on the ATM to steal card’s information. If you notice something suspicious, don't use it and report it to the Bank immediately.

Security tips for online banking

  • Do not choose an easy password. Example: your birth date, phone number or parts of your card number.
  • Don’t use the same password you use for other websites. Every password should be unique.
  • Don’t disclose your password to anyone. We will never ask you to reveal it.
  • In addition to being protected by using up-to-date antivirus software you should also regularly use software to remove Spyware from your computer, as these programs record information about your Internet use and transmit it without your permission.
  • Always log off Online Banking session immediately when you've finished.
  • Beware of websites offering free software or applications - don't download software unless you are sure the site is genuine and the application is not harmful
  • If you're unsure whether a website is genuine or reputable, look for actual phone numbers or physical addresses for the company on the site.
  • Use only trusted computer/mobile for Online Banking.
  • Use secure Wi-Fi network.
  • To protect yourself against fraud, download reliable anti-virus software and update it regularly. Some viruses can steal your bank account access data without you being aware.

Protecting your covered “Cashback” /debit car

  • Never disclose the passwords related to your bank account or covered card “Cashback” or the ones you receive on your mobile. We never ask you for your passwords.
  • Always destroy cards when they expire by cutting them in half through the magnetic strip.
  • Carefully discard receipts from card transactions and ATMs once you have checked these against your account statement. This will help prevent others acquiring information about you and your cards.
  • Make sure you get your card back every time you use it.
  • Inform us on any transaction made to your account without your knowledge, such as cash withdrawals, deposits or addition of beneficiaries.

Social Engineering

  • Social engineering is the art of manipulating people to give up confidential information such as passwords, bank information, or access your computer to secretly install malicious software.

Protect yourself from social engineering:

  • Don’t respond to urgent requests that need immediate actions.
  • Avoid replying to requests for personal information or passwords.
  • Secure your devices by regularly updating your anti-virus software, and email filters.

To protect yourself from Phishing attack

Phishing is a type of social engineering attack often used to steal user data, including login credentials and covered card “Cashback” numbers by masquerading as a trusted entity. The victim opens an email, instant message, or text message then clicks a malicious link, which can lead to the installation of malware.

Protect yourself from Phishing:

  • Do not click on any links listed in the email message, and do not open any attachments contained in a suspicious email.
  • Do not enter personal information in a pop-up screen. Legitimate companies, agencies, and organizations do not ask for personal information via pop-up screens.
  • Install a phishing filter on your email application and on your web browser.