Safe Transaction Tips with Your Gadget/PC

Smart tips to protect yourself from online frauds.

With a lot of accidents involving online frauds, it has become increasingly important to understand types of online frauds and effective ways to protect your online transactions:

  • Malware is malicious software that spreads through emails, enticing users to click on links or to access URLs which deliver malicious software (such as Zeus and Spyeye) to the users’ PCs or gadgets.
  • Phishing is an email that encourages users to disclose confidential banking credential and information, such as password, PIN, etc.


How do we protect ourselves and avoid Malware or Phishing?

  1. Check and frequently update your devices operating system (OS) and software Antivirus or Anti Malware.
  2. Download applications only from trusted websites, and take time to read the applications’ details and review.
  3. Use strong password and get the latest version of Antivirus.
  4. Turn off your Bluetooth or Wi-Fi when not in use, especially at public places.
  5. Equip your device with appropriate security applications.
  6. Do not share personal information at unknown sites.


More than that, follow these steps to ensure your security when transacting with CIMB Clicks:

  1.  If you notice change on the site display or layout, or your transaction steps, stop any activity and contact 14041. We never perform any change effecting authentication or transaction steps without prior notice to you.
  2.  Access CIMB Clicks by typing , and never from a link.
  3. CIMB Clicks website uses SSL web certificate in which you will see a lock displayed on your address column at the authentic site.
  4. CIMB Niaga never inquiries your confidential information, such as PIN, password, etc, through email or phone.
  5. Pay attention to Secure Word that is secret phrase you created when registering to CIMB Clicks. Only the authentic CIMB Clicks website can displays your confidential Secure Word known only to you.

We hope this information will be a useful reference to ensure upmost security when you transact through CIMB Clicks.

Banking Malware FAQ:

  1. What is Malware?Malware (short for malicious software) infects computers and is designed to steal user information by altering the look and feel of the bank’s website.
  2. How do I know if my computer is infected with Malware?
  • If your computer has been infected with malware, you will be prompted any additional page to enter your sensitive information such as PIN for login or “additional security verification” page which is not legitimate bank page or after input transaction you are forcing to log out.
  • Programs running slowly or crashing.
  • Suspicious network traffic; slow internet connection.
  • Anti-Virus warning (latest or updated Anti-Virus does detect 75-80% malware).

3. What should I do if my computer is infected?

  • First, stop any banking, shopping or other online activities that involve sensitive information (close your browser immediately and inform the bank). Confirm that your Anti-Virus software is enabled and up-to-date. Scan your computer for viruses and malware and allow your Anti-Virus to delete that Viruses or Malware.
  • Second, if you suspect that your computer is still infected after your Anti-Virus is scanning and delete viruses or malware, it is recommended to refrain from using your computer for online banking.

4. How do I keep my computer safe from Malware?

While the bank has the latest online security, we advise you to protect yourself by taking measures to safeguard against unauthorized access. For instance, you should not provide your login information on these additional prompts and should close your browser immediately if you:

  • Encounter difficulty accessing your account after entering your login credentials on the official CIMB Niaga online banking page.
  • Receiving a message indicating that the transaction “May take 1-10 minutes to complete”, “Security verification in progress” or any other unusual message.
  • Receive multiple prompts to re-enter your login information
  • Are redirected to another site to key in your login credentials.

You are also advised to contact us immediately at Phone Banking 14041 if you notice the following suspicious activities, such as:

  • Your account balance has dropped even though you did not perform any fund transfer or any other finansial transaction.
  • You received a SMS alert with a mPIN although you did not do any activities to your online banking account. (mPIN is required for financial transaction only not login).
  • You received a SMS alert indicating that you have made a fund transfer through online banking that you did not initiate.
  • You forced log out after input transaction detail with mPIN.

5. How Malware is infected my computer?

Malware can infected or spreading on many ways such as:

  • Installing an application from untrusted source (for example: a pop up advertisement appears that indicated our PC is infected with virus when pening any website).
  • Go to a malicious website such as gambling, porn, unsecure website (http only not https).
  • Click any survey or free gift pop-up that redirect to malicious website
  • Download file (movie, music, etc) from untrusted website.
  • Attachment on Phishing email.
  • And many more.


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