Online banking and UPI (Unified Payments Interface) apps like Google Pay, PhonePe, and Paytm offer great convenience—you can check your balance, transfer money, pay bills, and receive payments without stepping out of your home. But with ease comes responsibility: it’s important to stay alert and safe while using these platforms.
Let’s walk through some simple, practical ways to use online banking safely.
1. Use Only Trusted Apps
Download banking or UPI apps only from official app stores like Google Play Store or Apple App Store. Always check if the app is verified and look at the reviews and ratings.
Avoid: Clicking on links from SMS or WhatsApp to download payment apps.
2. Keep Your App Updated
App updates often include new security features that protect you from fraud. Always update your banking and UPI apps when notified.
Tip: Turn on “Auto-update” in your phone settings so you never miss important updates.
3. Never Share Your OTP or PIN
One-time passwords (OTP), UPI PINs, and passwords must be kept completely private. Even if someone claims to be from the bank, never share them.
Remember:
- Banks never ask for OTPs on calls or messages.
- No real UPI transaction requires someone else to enter your PIN.
4. Use Strong and Unique Passwords
Avoid using your date of birth, mobile number, or simple words like "1234" or "password."
What to do instead:
Create strong passwords with a mix of letters, numbers, and symbols.
Example: Dada!1955@Bank
5. Enable App Lock and Two-Factor Authentication
Set up an additional lock (like fingerprint or pattern) for your banking apps. Also, activate two-factor authentication wherever possible.
Why it helps: Even if someone accesses your phone, they can’t open the apps without your biometric or code.
6. Always Check Before Paying
Fraudsters often send fake QR codes or payment links asking for money.
Golden Rule: If someone is asking for money, you should “send” money.
If you are receiving money, you don’t need to enter your UPI PIN.
When in doubt: Call your family or bank before making any payments.
7. Use Private Wi-Fi, Not Public Networks
Avoid doing banking transactions on public Wi-Fi (like in cafes, malls, or stations).
Use your home internet or mobile data for better security.
8. Regularly Monitor Your Bank Account
Check your account statements and app notifications regularly.
If you notice any unusual transaction, report it immediately to your bank.
Most banks have 24x7 helplines—don’t hesitate to call them.
Conclusion
At Sukoon Unlimited, we understand that digital tools can be confusing, especially if you’re new to them. That’s why we offer step-by-step guides, one-on-one support, and easy workshops to help seniors master UPI and online banking safely. Whether it's understanding OTPs, scanning QR codes, or avoiding scams—Sukoon is here to support you at every step.
0 Comments