Security Information

SAFEGUARD YOUR ACCOUNT

You are the only one who truly knows your account. That's why you should never give out your card information, internet banking login credentials, or token to anybody via email, SMS, or phone calls.

 

We at Capitalnet Microfinance Limited are always creating and executing security upgrades to guarantee the reliability of our online banking system. Our aim is to safeguard personal information, customer account confidentiality, and your safety while using the internet. Find out more about online safety, including how to recognize phony emails and websites.

Security Tips

  • Giving away your Internet Banking login, card details, PIN and codes from your token device, gives anyone total access to your account. Capitalnet Microfinance Ltd. will never ask for any of these details via any form of communication

  • Keep your ATM cards safe and do not share your personal identity number (PIN) with anyone. Do not keep any written copy of your PIN with your card. Memorize it.

  • Seeing a phone number or email address you recognize does not mean it is genuine. Always give cold-callers a cold reception

  • Use your hand or body to shield your PIN when you are conducting transactions at the Automated Teller Machine (ATM) or when making Point of Sale (POS) transactions at retail stores.

  • Create strong passwords for your Internet Banking login and card details. Change them often.

  • Check your bank account statements and card transactions regularly to make sure these only reflect transactions you have made. If you see a transaction you cannot explain, report it to the bank.

  • Subscribe to SMS alerts to be delivered to your cell phone or email, so you can stay updated on your account activity.

  • Always log on to our internet banking service via our website - www.capitalnetghana.com

  • Watch out for copycat websites. Don’t fall prey to any website that looks similar to Capitalnet Microfinance Ltd. website. Check the URL carefully. (https://capitalnetghana.com)

Recognizing Fraud

  • You are the first and most effective line of defense in combatting online fraud. Learning how to spot and avoid online frauds is the most effective kind of fraud prevention. Read the following guidelines to help you identify potential scams. Fraudulent e-mails and websites are the most common forms of online fraud. These counterfeit forms of communication frequently include company logos, colors, and legal disclaimers to make them appear genuine.

Fraudulent E-Mails

  • Fraudulent e-mails are the most popular form of online scam. A "spoofed" e-mail is one that appears to be from a legitimate source in order to fool you into disclosing personal or account information, making cash, or otherwise engaging in fraudulent activity. These assaults are widespread because they are low-tech and easy to deploy on a large scale. Despite the warning indicators, "phishing" and scam emails continue to deceive consumers. Some of these emails also ask clients to update their account information by clicking on links to bogus Internet banking and Interswitch websites.

Spoofed Web sites

  • Fraudsters use spoof websites, similar to phishing e-mails, to trick unsuspecting customers into providing their online banking log-in information and card details, which are then used to access such accounts. Spoof websites enable thieves to gather sensitive information such as Internet Banking Account and ATM Card Details. Capitalnet Microfinance Ltd. will never request, verify, or update a customer's personal, account, or financial information through email or pop-up windows. This includes passwords, personal identification numbers (PINs), and ATM, credit, or debit card information. If you receive an email demanding such information, do not answer and never click on any links contained in a questionable email.

Phishing

  • Phishing involves the use of fraudulent email or browser pop-up messages that appear to be from a legitimate source, often using a company name, logo and/or graphic. A typical scam consists of:

  • Receipt of an email message stating you need to update or validate your account information.

  • The message suggests a dire consequence, such as your online access expiring or being suspended, if you do not respond.

  • Via a link in the message, it directs you to a Web site that looks legitimate, but is not. The intent is to trick you into divulging

  • The intent is to trick you into divulging personal information, such as your account number, User ID or Password so they can commit crimes of a monetary nature or identity theft. It may also be an attempt to deliver and install malicious code (malware) that can harm your computer.

How to avoid falling for Phishing Scams

  • Never open any email unless you know who the sender is. The very act of opening an email can infect your computer with malware. Be skeptical of every email you get, and never click on suspicious links, or download suspicious attachments. If all else fails, call your bank.

Pharming

  • Occurs when you enter a Web address but are redirected, without your consent or knowledge, to a fraudulent site that looks similar to a legitimate site. The intent of the fraudulent site is to capture confidential information.

  • You will never be contacted directly by companies like MasterCard or Visa to verify personal or card information, your PIN or to request that you transfer funds or process transactions to protect your account.

  • Memorize your Personal Identification Number (PIN). Never write it on the card or anywhere else it could be compromised.

Skimming

  • “Skimming“ is a method by which thieves capture the magnetic stripe data from your card and use it to create a new, counterfeit card. These counterfeit cards are then used to process unauthorized transactions against your account. There are two main methods of skimming card information: A small device that appears to be a part of the machine is placed over the card insertion slot of an ATM, gas pump, or other self-service kiosk. As you slide your card into the ATM, this device “reads” the data on the stripe and either stores it or transmits it to a nearby location. Often times, there is also a small, hidden camera that captures your keystrokes as you input your PIN into the machine.

How to protect yourself

  • Never give your PIN to anyone or write it on your card.

  • Review your monthly statements immediately and notify us of any discrepancy by calling 24-Hour Customer Support / Service Hotlines: +233 546 125 200