1. Install anti virus software

Anti-virus software protects you, your privacy and your money. Viruses are bad news. They steal personal information, take over your pc, pop up unwanted adverts and they can even use your computer to attack other people's computers.  You may also hear them called malware, trojans, spyware or adware.
Anti-virus software protects you against all of them.

To work properly, anti-virus software has to download updates regularly over the internet. Out-of-date anti-virus software will have flaws. It is a good idea that you install anti-virus software if you don't have any already. You can download microsoft security essentials (free for personal use) or a well known antivirus brand such as mcafee.

 2. Update your browser

Modern browser software adds protection against fake websites. The program you use to look at websites is called a web browser. Modern browsers warn you if you visit fake websites and it is harder for viruses to infect them. It makes sense to use a modern web browser. If you have updated your computer regularly, it is likely that you are already running either microsoft internet explorer 8 (on windows pcs) or safari 5 (on macs). It is a good idea that you install an up-to-date web browser. There are several to choose from and they are all free.

 3. Keep your browser uptodate

It is harder for viruses to infect updated software. The criminals who create viruses take advantage of software bugs to infect computers. Software companies fix bugs with free downloadable updates. It is a good idea that you install updates for your software as soon as they become available.

Be wary of fake emails about bogus updates. Use the update software that comes with your computer - don't click on links in emails.

As well as your computer software, other programs need updating. This includes your web browser and the applications you use. Most modern software will check for updates automatically. You may want to install them as they become available. Secunia has a free online service that will check most common programs to see if there is an update available.

You can check if your windows computer is up to date in the security center in windows xp sp2 and windows vista and in the action center in
windows 7.

 4. Do not share private information online

Double-check privacy settings on social networking sites.

What's your mother's maiden name? What's the name of the first school you went to? What was your favourite subject at school? What's your address? Birthday? Phone number?

All this information is useful to people who want to steal your identity or break into your personal internet banking. You wouldn't give this information away to a stranger in the street but if you use social networking sites, such as facebook, twitter or myspace, you could be oversharing personal data.

You may want to think carefully about the information you put into your profiles on sites like this. It is also a good idea that you check the privacy settings on each site that you use to make sure you only share personal information with people you trust.

Please also remember that you must take all reasonable precautions to keep your details safe and prevent any unauthorised use of any cards and security details. If any information forms part of your security details, you should therefore make sure that you do not disclose it to anyone else – see terms and conditions that apply to your account(s) for more detail.

 5. Look after your paper statements

Fraudsters use personal information from different sources to steal people's identities. Viruses are one way to do it. But they also use paper documents of your accounts containing personal details, such as receipts and bank statements.

Fraudsters use many methods such as searching in dustbins to obtain these documents.

You should take simple precautions to keep your details safe and to dispose of these documents safely, such as shredding them before you bin them.

You may also want to switch to online statements.

 6. Understand how criminals use the internet

Criminals are in it for the money. There are many ways for them to make money online:

• Steal your passwords and bank details with viruses, fake emails and fake websites
• Ask you to provide security details
• Send spam with bogus offers and products
• Take over your computer and use it to attack other people's computers
• Use viruses to display unwanted adverts on your pc

We take your personal internet banking security and privacy very seriously.

Protecting yourself and your money takes a bit of know-how and the right software.

 7. Avoid online fruad and con tricks

If it's too good to be true, it probably is. When it comes to protecting yourself and your money on the internet be wary of ridiculous deals. Criminals may contact you by email, through websites you use, via sms or even by phone. It pays to be on your guard as they can be quite convincing.

Here are some warning signs:

• Big promises: 'you have won the lottery'
• Big threats. 'Your account has been hacked'
• A false sense of urgency. 'Act now or it'll be too late'
• Unnecessary secrecy. 'Don't tell anyone'
• There is no reason for them to contact you. Did you even buy a lottery ticket?
• 'Business opportunities' that involve holding or receiving money for strangers

If an attachment looks suspicious, don't open it. Don't install software unless it comes from a website you trust (like this one). If it doesn't feel right, take your time. If you suspect that there is a problem with your personal internet banking, you can always talk to us first.

 8. Learn to spot fake emails and fake websites

Criminals use fake emails and fake websites. They set them up to con people into giving away passwords and bank details. The technical word for this is 'phishing.'

For example, they might send you an email that looks like it comes from us and it might contain a link to a website that looks like this one. When you try to log on, they can steal your password. They could also ask you to make a phone call or reply by email.

They are good at making their emails and websites look realistic. But you can often spot the fake ones:

• Dodgy looking email or web addresses
• Poor design, typos or bad spelling
• They ask you to do something unusual
• A site doesn't display the padlock symbol in the address bar when you log in

If in doubt, check with us first. Avoid clicking on links in emails.

A starting point on protecting yourself online is to use the software we refer to from this site. Up-to-date web browsers block fake websites.

 9. Don’t be a money mule

A money mule is a person who transfers stolen money or merchandise from one country to another, either in person, through a courier service, or electronically. It is an on-line scams that prey on victims who are unaware that the money they are transferring is stolen and the stolen money is transferred from the victim's country to the scam operator's country.

Money mules are commonly recruited with job advertisements for "payment processing agents," "money transfer agents," "local processors," and other similar titles. Candidates are asked to accept payments and to remit most of the funds to a third party — a job which can be done from one's own home.

Online money mule scams typically exist as a result of other types of online fraud, such as phishing scams, malware scams or scams that operate around auction sites like ebay. This process obscures the scammer's true identity and location from the initial victim.

Never provide your details on these website nor lay trust in such offers.