The more we share, the more we have-Easier said than done! Sharing always gives you satisfaction but sharing passwords, OTPs, card number while doing the online transaction and other personal details are dangerous.

Be it your best friend or be it your cousin, never trust anyone when it comes to sharing passwords or bank OTP.  Do not be a victim of frauds and tempting offers.

Secure OTP

Being privileged customers of a smart bank, we need to act smart and not be succumbed to fraudsters. I am really lucky to be a customer of State Bank of India, a 211-year-old organization, who has been re-inventing itself continuously to meet all its customer’s needs.

The Bank has been always updated itself with digital technology to ease customers and these products have helped many customers. That’s why SBI has got a position to the patronage extended by their customers and markets.

This year SBI has come up with #SBIComputerSecurityDay, explaining the risk factors related to the online transaction.

In today’s digital business environment, all the needs of customers are met through technology products. SBI in this context provides “Awareness” on safe usage of the IT products rolled out by them.

SBI’s topmost priority is the safety of the customer. In this direction, I would like to share certain tips on how to safely use online transaction on all channels.

So let me take you through some of the tips to avoid being conned.

While using Debit Cards

Take care of your ATM PIN; do not share it with anyone; make it a habit to change your password at regular intervals; never write your ATM PIN at any place. Always keep the PIN a little complex and not as 1111, 0000, 1010 as guessable ones. Never keep your password as your birth date.

SBI Alert

Never give your card to a waiter at restaurants, or salon or spa. Go yourself to the Payment Counter and get the card swiped in your presence. While doing online transactions, be sure of the Security of the Internet Connection.

To the extent possible, never use Public Wi-Fi or other free Wi-Fi. Do not get tempted by free offers and swipe/part with your card data. Do not share your personal information, the vital information given by you as answers for “Security Questions” for resetting of passwords.

You can also use ON/OFF facility provided for managing Debit Card’s international usage.

 Protection from “VISHING CALLS”

Voice phishing is a criminal practice of using social engineering over the telephone system to gain access to our passwords and private information -this word gains a combination forming VISHING. Most important thing is to be aware that the Bank never calls you asking for any sensitive data or password. Fraudsters may either entice you or threaten you and ask for sensitive information. Always be cautious about your financial transactions.

Online Transaction using INTERNET BANKING

Always keep your User ID and Password confidential; never share your password with anyone; Make a STRONG PASSWORD – unfortunately, everyone makes a password which is most relatable and easy to remember.

Most mothers keep their kids name or date of birth, which is also easy for the hackers to crack; You must Change the Password periodically; Keep your login and profile passwords always distinct from each other; Never use INB using the insecure internet, like a cyber cafe or any free Wi-Fi in coffee shops, airports etc.; Try to execute all your financial online transaction through secure channels only.

SBI Credit Card Security

Don’t miss to register your mobile number in the Bank accounts for SMS alerts. Do not keep more than required limits for beneficiaries for money transfer.

Never share OTP/CVV and Password with anyone. Never keep the same password for all accounts.

Make sure you Logout properly and immediately on completion of your session/task especially at others network or public Wi-Fi. Check your statements and transaction history regularly.

If you find something fishy, connect immediately to your bank manager and stop the transaction for while. Like how we take care of our life during driving.

In the same manner, while using Computers and Information Technology, SAFE USAGE OF I.T. should become an integral part of life. In this way, we would be able to protect ourselves and not be vulnerable.


Snehalata Jain, Mother, Lifestyle blogger, Traveler, Foodie and has a knack of parental advice. She loves to travel with her family and especially her daughter angel so that she can teach her kid the real life experience. A Micro Biologist and lecturer by profession, a full time mother and blogger by choice. She is a social media pro since 2012 handling over 100 profiles till now. Stepping to blog was her decision when she realized that whatever you do or experience, documentation makes it authentic. She loves photography and traveling and creating unique recipes which are healthy and tasty. She writes what she experience during her trips. About Blogsikka : It was just a quick decision to make my lifestyle blog , while searching for blog name. I wanted a name which is not related to specific things as my life is so dynamic that I can’t stick to one thing. I love travelling and eat delicacies from around the world. My love doesn’t stop here , infact I love to cook delicious thing which I see during my trips and replicate at home. Blogsikka is all about my own experiences of life and i write whatever i experience. And my backbone support is my husband DILKHUSH SHAH who is chartered accountant by profession and a hard core traveler by passion. He is the reason behind my all trips. DO FOLLOW MY BLOG : and my all social media tabs


  1. Thanks for writing this very useful post. I will make sure my mom reads it as well. It is so important for us to keep a check on passwords and pins these days when cyber crimes are at their peak.

  2. Even in this digital era people are falling prey to traps just because they ignore the security measures of their debit and credit card. Highly informative post

  3. This is real issue nowadays thanks for sharing this useful information..would help a lot


    Such an informative and a much-needed post thanks for sharing!

  5. Really, people are more n more falling prey to the traps in this digital world and safety and security of our details is a must. Thanks for this informative post

  6. Cyber crime is really increasing.. I remember receiving a call and asking for my otp.. And they sounded so professional.. Since I’m very tech savvy I figures the hoax call but for someone like my mother or mother in law they could have easily fooled.. Need to spread this post far and wide

  7. You know this cyber interaction makes me super scared . And all the frauds around. This is a good informative post indeed

  8. Papri Ganguly Reply

    Totally agree with your points. SBI online banking app provides us better Security

  9. SBI online app is very secure to use… Your tips are awesome.. We should be aware of everything while using debit or credit card..

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