Important information – rules of safe behaviour on the Internet and in the Internet banking

18 August 2015

Dear Client,

Due to the growing interest in new technology and sharply increasing numbers of users of Online Banking and BusinessNet Internet banking and also Smart Banking mobile banking of UniCredit Bank, we hereby point out several basic principles of safe behaviour on the Internet and in the Internet banking. Follow these rules to minimise potential attacks on your computer and mobile device by viruses or other malicious software and to maximise the protection of your data and finance. Please read this Decalogue carefully.

1.     Only you know your security data and nobody else

Do not disclose your security data to Internet banking (user number, password, PIN, security code) to any person and do to send them by e-mail or provide them by means of social networks. Most importantly, mind your privacy when log in and make sure that other people cannot see your login data. Also do not leave your computer or mobile phone unattended, use keyboard locks and access codes. Avoid using direct banking products in public (such as while using public transportation) and in monitored rooms (such as in the sight of security cameras). We also recommend you have text messages (SMS) or e-mails containing information about logins to the Internet banking automatically sent to you. If you register any login that you have not carried out, contact your bank immediately.  

2.     Mind where you access your Internet banking

Do not use the Internet banking using computers you cannot ensure do not contain malware. Certainly avoid any public computers in internet cafés or at airports and in information centres. If possible, use only your computer or mobile phone to access your Internet or mobile banking. Always check in the browser header whether you use secured link to access your Internet banking. It’s simple, the site has to start with https:// (the “s” at the end is important), and also the browser might inform you about it by green colour or by the symbol of locked lock before the name of the site.

3.     Beware of unknown links and web sites

You should only visit known and trustworthy websites on the Internet. Today’s attackers are ingenious and can very accurately reproduce, for instance, a login site to Internet banking and smartly lead you to it. Beware of any unknown links on the Internet or in e-mail which will take you to sites resembling a login form to Internet banking, e-mail or to social networks, for instance. If the login screen for your Internet banking products seems suspicious in any way, do not log in. Instead, contact the client line. Check in the browser header whether you actually are on the given web site and not the fake one (web site of UniCredit Bank Internet banking is

Sites with erotic contents or for software, music and video download are especially dangerous and they often contain a lot of malicious software and viruses.

4.     Suspicious e-mail? Do not open it, rather delete it.

UniCredit Bank never sends e-mails calling for disclosure of identification information, passwords, PINs, etc. Do not respond to such calls and please inform the client line if you receive one. In your in box, open only trustworthy e-mails from known and expected senders. If an e-mail seems suspicious in any way, rather delete it immediately. If you have already opened a suspicious e-mail, certainly do not open attachments and links it contains. And if you click on such a link or open such an attachment, immediately close them and do not allow the program or browser to install anything.

5.     Protect yourself against spam

The best tool to eliminate majority of unsolicited and dangerous mail is to set up and actively use e-mail spam protection. Most public services offer such protection, as well as many e-mail clients, such as Outlook and other. The setup is often intuitive and simple. Also consider using further security programs, such as antispyware and antiadware, which protect you from unsolicited advertisements and dangerous programs.

6.     Use and update your antivirus program and firewall both in your computer and on your mobile phone

Perform regular scans of your devices using an anti-virus program. Never turn off your antivirus program; do not forget to regularly update it and use its newest version with implemented protection and detection of malicious software program. Criminals never sleep; the older your antivirus program is, the less effective it is against new threats. We also recommend using a firewall on your computer. Get an antivirus also for your mobile phone. It is very dangerous to think that phones cannot be attacked by viruses; you might pay dearly for that assumption. If you have any suspicion that your computer or mobile phone was attacked by virus, do not use it to access your Internet banking or other services containing your personal data (e-mail, social networks, online shops, etc.) and contact an IT specialist.

7.     Update your devices, your computer and mobile phone

Regularly update your programs and the operating system. It is particularly important to update Internet browser in your computer and mobile phone and all plug-ins (for instance, the Flash player). Also update all your security programs. Check for released operating system patches and do not delay their installation. For smartphones and tablets, we recommend using the current versions of firmware officially offered by the manufacturer for the device. All outdated versions of your programs are a potential threat to safe browsing and thus to your finance. Never install any programs with unknown origin on your computer or mobile phone. As for mobile phones, install only applications from official application stores - Google Play (Android), App Store (iOS), Windows Marketplace (Windows Phone).

8.     Know your balance and transactions

The best early warning tool to find out that anything is out of the ordinary is to know the balance on your account and the transactions you have made. Have text messages (SMS) or e-mails containing information about transactions made automatically sent to you. If you register any operation that you have not carried out, contact your bank immediately.

9.     Regularly check for news about Internet security

The more information you have, the safer you can behave on the Internet. Regularly check for news in the Internet security area and follow all the recommended rules.

10.   Any suspicions? Immediately contact our client line

If you notice anything suspicious in connection with your internet or mobile banking, do not hesitate to immediately contact the UniCredit Bank client line at 800 14 00 14.

Best regards,

Your UniCredit Bank

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