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We maintain the strictest levels of digital security so you can have the confidence to bank online with us. By following our advice you can ensure your own online banking activity is as safe and secure as possible.

Online banking security

The following items describe simple things you should do to reduce your online security risk.

Protect your login credentials

Accessing the Personal Internet Banking requires login credentials comprising the user name and password. These need to be carefully chosen and secured to prevent your account from being compromised. Some measures to secure your credentials include:

Selecting a complex (non-guessable) password that is minimally 8 characters long with a combination of digits, alphanumeric and special characters

Memorizing your password instead of writing it down

Not divulging your password to anyone else

Changing your password regularly or when there is a suspicion of it being compromised

Using different passwords for different websites, applications, services

Avoiding the option of retaining the user name and password for subsequent visits to website

Personal Internet Banking includes an enhanced security feature that requires a one-time password (OTP) issued via a security token to be keyed in during the login process. The security token forms part of your login credentials, and therefore its serial number and OTP should not be divulged to anyone else. Following implementation of Payment Services Directive 2 within the European Economic Area Third Party Providers (TPP) may be able to access your account details with your permission and will therefore request your login details. Before providing login details you should check if the TPP is authorised or registered with your local Financial Regulator to provide such services.

Install anti-virus software

Anti-virus software helps to prevent, detect and remove malicious computer viruses. Installing reputable anti-virus software protects you, your privacy and your money. Viruses are bad news: they steal personal information, infect your PC, introduce unwanted advertisements and can even exploit your computer to attack other computers. Commonly known viruses include malware, Trojans, spyware or adware. Anti-virus software helps protect you against these malicious viruses. To work properly, anti-virus software has to be updated regularly for it to stay effective against new viruses.

You can download Microsoft Security Essentials (free for personal use) or McAfee® VirusScan Plus* (with a free 12-month subscription).

*The McAfee® software download is only available to PC users.

Update your web browser

Modern web browser software adds protection against fake websites and viruses. A web browser (commonly referred to as a browser) is a software application for retrieving, presenting and traversing information resources on the World Wide Web. It is advisable to update your web browser regularly to safeguard your computer against viruses that target outdated browsers.

Keep your computer software up to date

It is harder for viruses to infect a computer installed with updated software. Criminals who create viruses take advantage of software bugs to infect computers. Software companies fix bugs with free downloadable updates. It is a good idea that you install updates for your software as soon as they become available.

Beware of bogus e-mails notifying you of software updates. Use the update software that comes with your computer – don’t click on any links in these fraudulent e-mails. Most modern software will check for updates automatically for both computer and web browser software; you may want to install them as soon as they become available.

Secunia has a free online service that will check most common programs to see if there is an update available. You can check if your Windows computer is up to date in the Security Center in Windows XP SP2 and Windows Vista, and in the Action Center in Windows 7.

Refrain from using untrusted devices

Refrain from using public or internet café computers to access online services or perform financial transactions.


HSBC 464 Winthrop St, Rehoboth, MA 02769, USA


Phone: +1857 219 3985
Fax: +1557 219 3985