To help avoid scams you should:
- Always be suspicious of emails that are supposedly from Manigo or from another bank that you do not deal with.
- Make sure your computer has up-to-date anti-virus software and a firewall installed; consider using browser security software.
- Download the latest security updates, known as patches, for your browser and for your operating system (e.g. Windows or Mac OS).
- Be wary of unsolicited requests for personal or financial information. Keep your passwords and PINs safe; Manigo or the police would never contact you to ask you to disclose your PIN or password.
If you are unsure, contact Manigo directly via the contact details on the Manigo website – https://www.manigo.com/.
As additional preventative measures when banking online, you are encouraged to:
- Ensure your browser is set to the highest level of security notification and monitoring. Note security options are not always activated by default when you Install your computer.
- Be particularly security-conscious if you are using a public computer or public Wi-Fi internet connection.
- Know who you are dealing with. Never go to a website from a link in an email and then enter personal details, as the email could be fraudulent.
The following tips will help you protect your identity and prevent criminals from committing fraud in your name.
- Always keep important personal documents, plastic cards and chequebooks in a safe and secure place.
- Don’t share personal information unless you are confident you know who you are dealing with.
- When disposing of statements, receipts and documents that contain information relating to your financial affairs destroy them, preferably by shredding.
- Thoroughly check all transaction statements as soon as they arrive. If you find an unfamiliar transaction block your card in the App straight away and contact Manigo Customer Support immediately – email@example.com.
- Be aware that your post is valuable information in the wrong hands. If you fail to receive a financial statement, utility bill or any other financial information contact the supplier as soon as possible.
- Get your post immediately redirected to your new address if you move house.
- Be aware of security settings when using social networking sites.
- Never share your personal data (such as your date of birth or full address) on social networking sites or social media.
Advice when using a digital wallet
- If you access your digital wallet using a passcode, do not share the passcode with anyone and select a passcode that cannot be easily guessed.
- Make sure you change your digital wallet passcode regularly or immediately if you suspect that someone might know it.
- When accessing your digital wallet via your smart device or at your PC (for example, to check your account balance or to add the details of an additional Manigo Card), if not using an App, always type the URL into the browser. Never enter the wallet via e-mail links.
- When making a purchase using your digital wallet at a retailer that is unfamiliar to you, try to find out more about them before undertaking the transaction.
Advice when using Manigo App
- Only use the official Manigo Apps (and websites). Check the App has been published by Manigo.
- Only download mobile Apps from official stores, such as Apple iTunes and Google Play Store. Free Apps are great but downloading them from unknown sources could lead to your device becoming infected with a virus.
- Advise Manigo immediately if you feel someone may know your log in details for your Manigo App or if you lose your smart device. Manigo customer support can then lock your account.
- Smart devices require updates to run Apps and firmware. If the device users neglect this, it increases the risk of the device being hacked or compromised.
- Be aware of and ignore phishing emails that may request personal details and credentials used to log in to your Manigo App.
Advice when using a mobile phone card reader
- Chip & PIN card readers that use Bluetooth via an app on your smart device (e.g. mobile phones or tablet) or card readers that plug into a mobile phone or tablet are increasingly being used by small traders such as plumbers and window cleaners to accept a card payment from their customers (similar to the types of card payments made in a shop or store). When paying this way your Manigo Card is usually swiped or inserted into a reader attached to the small trader’s device and you are then either prompted to sign or enter your four digits PIN.
- Make sure you are dealing with a small trader that you trust before making a transaction.
- If prompted to enter your PIN, ensure that you shield the keypad, so that your PIN cannot be seen by anyone else. If you suspect someone knows your PIN, change it immediately at a cash machine.
- Keep your Manigo Card within your sight at all times.
- Ensure you receive a receipt for your transaction – this may be provided via e-mail.
- Regularly check your transactions in Manigo App and act immediately in case of any suspicious transactions by blocking the Manigo Card in the App or contacting customer support.
Advice when using mobile to mobile payments
Mobile to mobile payments allows Manigo customers to send and receive payments through their smart device offering an easy way to pay a friend back for dinner.
- Keep your smart device secure i.e. use of a passcode.
- Do not divulge your login details to anyone.
- Ensure Manigo App is the official version.
- Avoid sharing with anyone the phone you use Manigo App on. Be sure to clear your browsing history, cache and cookies on a regular basis.
- Make sure that your phone operating system is up to date.
Advice when using contactless card payments
- The contactless Manigo Card benefits from the same range of advanced security features found on a standard Chip & PIN card, and transactions are processed through the same secure networks.
- Although Contactless transactions don’t require a PIN, sometimes you will be prompted to insert your Manigo Card into the Chip & PIN reader and enter your PIN.
- It’s worth remembering that if your wallet is stolen you won’t normally get your cashback, and a similar situation applies to pre-paid cards as stated by “The UK Cards Association”. Therefore any money used in a fraudulent transaction will not be reimbursed. However, Manigo may raise a chargeback with the merchant on your behalf based on the Manigo’s internal assessment. The success of chargeback is not guaranteed. This is regardless of whether or not your cards carry the Contactless functionality.
- Always take reasonable steps to keep your PIN and any security information secure, and if your Manigo Card is lost or stolen block it in the App immediately or call the customer support as quickly as possible.
Further advice regarding smart devices (mobile phones or tablets)
- Never give your mobile banking security details, including your login details, to anyone else and do not store these on your smart device (e.g. mobile phone or tablet).
- Do not store account details, passwords, bank account numbers, PINs or card details on your mobile phone.
- For added security password or PIN protects your smart device. This is the first layer of physical security to protect the contents of the device. In addition to a PIN, enable the screen lock feature so that your device automatically locks after a few minutes of inactivity. It can then be re-opened using your PIN.
- Never leave your smart device unattended when logged on, watch out for people looking over your shoulder, and consider using privacy screens with any tablet device.
- Think carefully before removing any security controls from your smart device, this is known as jail-breaking or rooting your device. This may weaken the security of your device and expose you to additional risks.
- If possible, keep your smart device’s operating system updated with the latest security patches and upgrades. Older software may have security vulnerabilities that could expose you to additional risks. Also, consider using a reputable brand of anti-virus software on your smart device.
- Avoid clicking on or otherwise downloading software or links from unknown sources.
- Be cautious about opening links contained in SMS messages or emails.
- Don’t respond to unsolicited messages and remember that Manigo will never contact you to ask you to disclose your security credentials.
- Do not allow your smart device to connect to unknown wireless networks. These networks could be rogue access points that capture information passed between your device and your legitimate server.
- Use the same precautions on your smart device as you would on your computer when using the internet.
- If you decide to sell your smart device or trade it in, make sure you wipe it first (reset it to factory default) to avoid leaving personal data on the device.
- Make a note of your smart device’s International Mobile Equipment Identity (IMEI) number. This is a unique 15 digit number that identifies your device to your provider. If your device is ever lost or stolen, your mobile provider can use this number to block and permanently deactivate the device, therefore making it useless to anyone who has the device. The IMEI number is usually found printed in the battery compartment or you can access it on most devices by entering the key sequence *#06#.
- Register your smart device with Immobilise (www.immobilise.com).
- This registration enables the police to return the device back to you if it is ever recovered.
- Ensure that your Bluetooth is switched off when you do not need to use it.
- Be aware of the practice of ‘Smishing’ – where criminals send unsolicited text messages to a mobile phone number, with the intention of inducing the recipient to believe that it is from their bank, instructing that someone is trying to send money and asking the mobile phone user to visit the fraudster’s fake website and provide their personal details.
- A Quick Response (QR) code is a type of matrix barcode that can store alphanumeric characters, in the form of texts or URLs. All you need to visualize such a code is a smart device with a camera and a QR reader application to scan it. The code can direct you to websites or online videos, send text messages and e-mails, or launch Apps. Fast, easy and very popular, scanning. QR codes are clearly a convenient way to stay informed anytime, anywhere. But the downside is that you don’t really know the content of a QR code until you scan it. For this reason, you must be careful when scanning one, as your device’s security might be at risk. Criminals might use these codes to redirect you to websites via malicious links that then ask you to download malicious applications containing a virus or malware.