YBR Security Policy
i-Rakyat Online Banking Security Guidelines
Bank Rakyat is committed to ensuring the security of i-Rakyat internet banking. We constantly invest in human capital, technical expertise, software, hardware, and introduce the latest processes/procedures to enhance the security of our online banking. We also implement stringent procedures to ensure the safety of all transactions. Our teams of experts monitor all possible threats and take appropriate actions to prevent any fraudulent or criminal activities.
Apart from the security measures put in place by the Bank, you play an equally important role to ensure your online security and account information is not compromised. Awareness and knowledge are your greatest ally to preventing fraudulent internet transactions.
What can you do?
- Password/PIN is the key to your account information. User ID and password/PIN allow you access to your account. A strong and unique password is an important protection to help you have safer online transactions. You must ensure ONLY you know the password/PIN and ONLY you have access to the account. These are ways on how you can protect your passwords.
- Protecting your computer. There are many threats on the internet like viruses, malwares, spywares, etc. Malwares and spywares for example are softwares installed in your computer without your permission. These softwares collect your personal information and direct the information to an unauthorised party. Fortunately, there are preventive measures you can take to stop these threats.
- Lock your computer by activating the screensavers/password protection feature. This is an effective way to prevent others from using your computer when you are away from your computer.
- i-Rakyat website is a secure website. You will know if a website is a secure site by looking at the URL which states "https:// " and not "http:// ". You will see the "s" for secure sites. There is also a security icon (locked padlock) in the URL bar. Secure sites mean the data is encrypted during transfer.
- What else can you do to ensure the security of your internet banking transaction with Bank Rakyat? Never disclose your personal information e.g. account number, password, username, PIN through e-mail, phone or SMS to any parties. Bank Rakyat never asks for such information via e-mails, SMS or phone. Check your account statement and report any unauthorized transactions immediately to Bank Rakyat.
What is 'phishing'?
Phishing is an attempt to obtain confidential personal information through e-mail, phone calls or SMS illegally. The main aim is to deceive you into providing personal information such as your username, password and bank account numbers. The information is used for illegal activities including accessing your account, withdrawing or transferring money to other account or using your personal details for any fraudulent activities.
How is 'phishing' usually done?
The most common technique used is by e-mail. These e-mails claim there are from Bank Rakyat, other financial institutions or other authorities. Commonly, there is an instruction asking you to click on the link which will direct you to a bogus website. This bogus website, which looks exactly like the real Bank Rakyat's internet banking website i-Rakyat, will record your personal information during your login. As mentioned, phishing can occur through convincing phone calls or SMS message sent to you.
How can I prevent myself from being ‘phished' ?
Please be informed that Bank Rakyat will never ask you for your personal details, account information, password, PIN or other private information via e-mail, phone or SMS. Do not entertain any of the above requests from parties claiming to represent Bank Rakyat.
When in doubt or when you suspect that you are being 'phished', call our tele-RAKYAT Call Centre at 1-300-88-12265 (local) or 603-2117 9000 (overseas) or email us immediately. Our operating hours are Monday - Friday : 7.30am - 9.30pm, Sunday : 8.30am-5.30pm. We are closed on Saturday and Public Holidays.
Your report will help us identify phishing websites that are targeting our customers. We will regularly publish a list of these fraudulent websites for the benefit of our customers.
Credit Card Fraud Alert!
It has come to our attention of unscrupulous individuals who are making phone calls claiming to represent Bank Rakyat, Bank Negara Malaysia or other parties and asking our customers to perform certain credit cards related transactions.
Customers are reminded not to entertain or respond to these calls or provide any personal, banking or credit card information to these fraudsters. Customers are advised to immediately call Bank Rakyat Card Centre at 03-2693 6880 or 03-2692 4600 if you have received such calls.
Credit card provides the flexibility, convenience and speediness for you to spend in a cashless manner. You do not have to carry huge amount of cash when you are travelling. It provides a sense of security during emergency. And it allows for customers to perform more online purchases with ease and security. The widespread use of credit card however has provided the opportunity for fraudsters to deceive users. You can do your part to prevent credit card fraud.
Securing your internet browser
It is a good habit to clear you browser's cache regularly or after each internet banking transactions. The cache is a temporary storage that keeps all your browsing history. By clearing your cache, it enhances the security of your online experience.
Here is how to clear your cache.
Internet Explorer 7