Personal Banking

Everyday Account Habits

• Protect Your Credentials
  Never share your password, PIN, or One Time Password (OTP) with anyone, including individuals claiming to represent AfrAsia Bank.
  
  
• Use Official Channels
  Access your accounts only through our official Online Banking Portal at afrasiabank.com (Always check the spelling carefully) or by visiting one of our branches.
  
  
• Be Wary of Urgent Requests
  Exercise caution if you receive offers, prize notifications, or refund requests that require you to act immediately.
  
  
• Verify Payment Requests Independently
  Confirm unfamiliar payment requests directly with the intended recipient using independently verified contact details, rather than those provided in the message.
  
  
• Monitor Your Account Activity
  Review your account transactions regularly and report any unfamiliar or unauthorised activity immediately by calling your Relationship Manager.

Credit Card Security

• Cover the Keypad
  Shield the keypad with your hand when using ATMs and payment terminals, to protect against hidden cameras and card skimming devices.
  
  
• Inspect Card Readers
  Check for loose, damaged or unusual attachments before inserting your card at an ATM or an unattended payment terminal.
  
  
• Watch for Small, Unfamiliar Transactions
  Fraudsters often test a stolen card details by making a small purchase first. Report any transaction you do not recognise, however small.
  
  
• Prefer Contactless Payments and Virtual Cards
  Whenever possible, use contactless payments or virtual cards as they reduce the risk of your card details being copied, compared with swiping or handing over your physical card.
  
  
• Set Transaction Alerts and Limits
  Enable notifications for every transaction and set appropriate daily spending limits to help detect unauthorised activity promptly.
  
  
• Report a Lost, Stolen or Compromised Card Immediately
  If your card is lost, stolen or you suspect it has been compromised, contact your Relationship Manager or our 24/7 Contact Centre immediately on (230) 403 5570.
  
  
• Shop Only on Secure Websites
  Before making any online shopping, ensure the website address begins with “https://” and avoid saving your card details on websites you rarely use.
  
  
• Never Share Your Card Details
  Never disclose your card number, PIN, CVV or One-Time Password (OTP) to anyone, including callers, online sellers or individuals claiming to represent AfrAsia Bank.

Laptop and Smartphone Safety

• Keep Your Software Up to Date
  Install Operating System, application and antivirus updates promptly as they help address security vulnerabilities that fraudsters actively exploit.
  
  
• Lock Your Devices
  Protect your devices with a strong PIN, password or biometric authentication, and enable automatic locking after a short period of inactivity.
  
  
• Avoid Public Wi-Fi for Banking
  Use your mobile data connection or a trusted VPN when accessing your banking services.
  
  
• Be Cautious with QR Codes and Links
  Avoid scanning QR codes or clicking on links received from unknown or unsolicited sources.
  
  
• Enable Remote Device Protection
  Activate “Find My Device” or the equivalent feature to help locate, lock or erase it remotely if it is lost or stolen.
  
  
• Do Not Save Passwords in your Browser
  Use a trusted password manager instead, and never store banking passwords or One Time Passwords (OTPs) in notes, messages or emails.
  
  
• Log Out after Each Banking Session
  Especially when using a shared or public device, always log out rather than simply closing the application or browser tab.