Using a library computer for online banking ?

londoninvestor

unforeseen wrote: »

Shouldn't happen if the computer is locked down correctly.

Agreed, so it comes down to what level of trust you think you can place in the library's IT staff and procedures.

unforeseen

If they can put a key logger into the back of a PC then that is a failure at the most basic level for a public computer and the IT dept should be shot.

Eco_Miser

Lomcevak wrote: »

In addition to the above (which I agree with), I think use of a shared computer might complicate a claim if there was subsequently fraudulent activity on the account, irrespective of whether fraud was due to the shared computer or not.



For example, if the bank suggested that the fraud resulted from you using a shared computer without adequately safeguarding your credentials, or failing to log out correctly, etc., then might well be hard to prove otherwise. "I only ever log in on a personal computer (running anti-virus etc.) in my own home" is a much stronger response.

It's quite possible for "a personal computer (running anti-virus etc.) in my own home" to be a shared computer, also accessed by spouse and children. I believe that that is the condition the 'shared computer' tick box is really intended for, though of course it is also essential not to leave an ID cookie an a public computer, should you be so foolish as to use one for online banking.

[Deleted User]

Just get a computer. You can pick up ex-corporate machines cheap on ebay that are good enough for web browsing and general office type tasks. 4G sim for internet access and you're sorted.

Wester

Wester wrote: »

I am not sure is this is the correct forum to ask this question ,


I have been using a library computer to do my online banking for about one month now when I login I am told not to tick a box if I am on a shared computer . But I have heard that it is not safe to use a public computer for online banking as your security details can be stolen by fraudsters


I have heard about using incognito mode how safe is this ? or not to use the computer until shortly before the computers are switched off for the night




Anybody know anymore on the subject ?

After reading all of your replies the message that all of you have sent to me loud and clear is DO NOT USE A LIBRARY COMPUTER FOR ONLINE BANKING

i do not have a home computer or smart phone so i do not have that option . if i got a cheap or second hand laptop would that be safe and ok ?

On another note if a fraudster got your security details how would they steal money from your account would they set up a new Payee and then move money into that account . I know that if i added a new Payee to my account with my Bank that a secruity code would be sent to my mobile phone to use to set up the new Payee . How would the fraudster get around this ? he could not get the secruity code sent to his phone

Sorry if these sound dumb questions to some of you out there but i am a total rookie on the subject of online banking that is why i am asking for your help and advice on the subject

Thank You

eskbanker

Wester wrote: »

On another note if a fraudster got your security details how would they steal money from your account would they set up a new Payee and then move money into that account . I know that if i added a new Payee to my account with my Bank that a secruity code would be sent to my mobile phone to use to set up the new Payee . How would the fraudster get around this ? he could not get the secruity code sent to his phone

This is the benefit of the industry's move towards two-factor authentication, which makes it significantly harder for fraudsters to transact without the account-holder's knowledge.

Still not impossible though - fraudsters gaining access to your online account can change the mobile number associated with it, although you should be notified on the old number if that happens.

There's also an example in a recent thread of fraudsters duping the account-holder into divulging the security codes, so vigilance is still required.

However, millions bank online without any issues, so don't be intimidated by the reports of the minority who experience problems. There are many resources that explain dos and donts - your bank's website will have a security section that'll be worth reading, and independent sites include:
https://takefive-stopfraud.org.uk/
https://www.actionfraud.police.uk/individual-protection

heatherw_01

I personally wouldn't every use a public computer to access a bank!

DrSyn

Wester wrote: »

After reading all of your replies the message that all of you have sent to me loud and clear is DO NOT USE A LIBRARY COMPUTER FOR ONLINE BANKING

i do not have a home computer or smart phone so i do not have that option . if i got a cheap or second hand laptop would that be safe and ok ?

On another note if a fraudster got your security details how would they steal money from your account would they set up a new Payee and then move money into that account . I know that if i added a new Payee to my account with my Bank that a secruity code would be sent to my mobile phone to use to set up the new Payee . How would the fraudster get around this ? he could not get the secruity code sent to his phone

Sorry if these sound dumb questions to some of you out there but i am a total rookie on the subject of online banking that is why i am asking for your help and advice on the subject

Thank You

Look up sim card fraud.

If you want a cheap computer, look into buying a new Chromebook. It uses an OS based on Linux rather than Windows OS. Majority of malware is aimed at Windows because so many people use it.

This maybe of some help and interest:-

https://www.getsafeonline.org/

https://www.which.co.uk/money/banking/banking-security-and-new-ways-to-pay/online-banking-security/how-safe-is-online-banking-ayvfj7p8cctc

Using you library computer, you can use Youtube to investigate the above.

If you have a land line you can safely use phone banking.

Sea_Shell

Where we're staying the guest WiFi needs a log in code to gain access (given to us by reception), but phones AGV is still telling me it's "dangerous"!!

How worried should I be?

AGV says it's not encrypted.

[Deleted User]

DrSyn wrote: »

Look up sim card fraud.

If you want a cheap computer, look into buying a new Chromebook. It uses an OS based on Linux rather than Windows OS. Majority of malware is aimed at Windows because so many people use it.

This maybe of some help and interest:-

https://www.getsafeonline.org/

https://www.which.co.uk/money/banking/banking-security-and-new-ways-to-pay/online-banking-security/how-safe-is-online-banking-ayvfj7p8cctc

Using you library computer, you can use Youtube to investigate the above.

If you have a land line you can safely use phone banking.

You don't need to buy a Chromebook, just install Linux.