Safe Banking

Safe Banking

Safe Banking

Stay safe while banking online

Here's a list of Must Do's to keep your online banking a safe and secure experience.

Precautions while logging in

  • Avoid using Internet Banking on shared computers and public places like Cafés, Libraries.
  • Always remember to Log off on Internet Banking and close your browser when you have finished your online banking.
  • Disable the 'AutoComplete' function within your browser
  • Install firewall and anti-virus software and keep it up to date to help detect and disable malicious software,

Your Account Information safety

  • Change your Internet Banking password regularly and never disclose it to anyone
  • Always use strong password with alphanumeric passwords which cannot be guessed easily and for multiple accounts, use different passwords
  • Do not write them down
  • Do not give your account information to telemarketers or to callers claiming to confirm or verify your account information

Protect Your Account

Never respond to emails that request personal information

Axis Bank will not send any requests asking you disclose your Passwords, Credit/Debit Card numbers, Bank account numbers, or other personal or financial information. In case you get an email or a phone call asking your personal security details or a Bank staff approaches you to disclose your password, please send an email to

Make your password difficult to crack

When you create your password, make it at least 6 characters long. Include at least one capital letter, one numerals (0-9) and one special character (like @, #, $, etc). This makes the password very difficult to crack.

Validate the SSL Certificate

If you are in any doubt, click on the lock icon at the bottom of the secured page. This opens up a new window, displaying the SSL certificate information. Ensure that there is no red cross mark preceding the title 'Certificate Information'. It should also be 'Issued to: https://www.axisbank.co.in

You can get more information by clicking on the other tabs in the certificate window. Following the above steps would help you in protecting yourself. However, please remember, fraudsters are always trying to stay a step ahead

Use common sense when it concerns your personal information. It you feel something is out of place, then it probably is.

Safe Online Shopping

Now have a safe shopping experience every time you buy something online:

Here's a list of quick tips that can help you stay safe while shopping online:

  • Shop only with reputable and reliable brands. That way, you not only ensure good quality products, but also high amount of safety when you are transacting online.

    Keep your anti-virus, anti-spyware spam filters, and secure firewall up-to-date.
  • If an online retailer is requesting private data, avoid shopping with them.
  • Before submitting your bank details or other sensitive information check the following:
    • If the address bar is visible, the URL should start with 'https://' ('s' for secured) rather that the usual 'http://' and there should be a padlock in the address bar. If these are missing, it means your personal data is not being encrypted prior to transmission; it could be stolen by other parties.
    • If the address bar is not visible as in our Internet Banking website, look for a lock icon on the browser's status bar. You can check the level of encryption, expressed in bits, by hovering over the icon with your cursor.
  • Understand privacy policies, so that you know how they process and store your information.

Vishing / Phishing

A method of illegally capturing personal security data.

IMPORTANT: Axis Bank does not ask for personal security details like your Internet banking or phone banking passwords on the email, phone or otherwise. Never disclose your passwords to anyone, even to the bank's staff. In case you get an email or a phone call asking your personal security details or a Bank staff approaches you to disclose your password, please report to us. You can send an email to .

What is phishing?

Phishing is a technique employed by scamsters to illegally procure personal information like account numbers, Internet banking user ids and passwords, etc.

The most frequently used method is to send a spam email to a large database of email ids say, all gmail ids or all yahoo ids. The spam email is designed in such a way as to look exactly like an email sent by the targeted company / bank.

The email simply asks the recipient to click on a link and enter their user id and password. Different techniques are used to lure the recipient to click on the link: validation of account information, threat of account suspension, etc.

If you look carefully, the link will not lead you to our websites:
http://www.axisbank.com or https://www.axisbank.co.in

Never click on any such link and never enter your login id and password without verifying the authenticity of the web page.

What is vishing?

Vishing is a combination of the words voice and phishing. Vishing is very similar to phishing - the only difference is the technology.

Phishing involves the use of emails to trick you into providing your personal details whereas vishing involves voice or telephone services. If you use a Voice over Internet Protocol (VoIP) phone service, you are particularly vulnerable to a vishing scam.

A typical vishing call involves a scammer, posing as an employee from your bank or another organisation, claiming to need your personal details. Scammers are very creative and they could tell you many different reasons why they need this information from you. Do not assume you won't be a target of a vishing scam.

Regardless of the story you are told, the scammer will be aiming to convince you to divulge confidential personal and banking information, such as your PIN or password. Even if you use your telephone keypad or keyboard to type in your details, if you are on the line to a scammer, the scammer can record them.

Stay Safe Against False Offer of Funds

Fraudsters making claims of remitting funds from abroad to help you in your venture/business may ask you for your personal/bank details.

How to safeguard your account

  • You may receive letters/emails from foreign entities/Individuals claiming to offer huge amounts of money in foreign currency, on the pretext of helping you in your business/ venture.
  • These may request for your bank account details and ask you to remit an initial deposit/commission so that they can transfer the money offered.
  • They may also claim that huge sums of money for disbursal of loans at cheap rates are kept in an account with the Reserve Bank of India (RBI), and may show copies of certificate/deposit receipts purported to have been issued by the Reserve Bank.
  • RBI does not maintain any account in the name of individuals / companies / trusts in India to hold funds for disbursal and it cautions you against such offers.
  • Also, RBI have received approvals/clarification requests from individuals/entities for effecting remittances in foreign currency towards commission/fees for receiving prizes won in overseas lottery schemes etc.
  • Do not participate in lottery-like schemes functioning under different names, such as, money circulation scheme or remittances for the purpose of securing prize money/awards, etc. These are prohibited under the Foreign Exchange Management Act, 1999.
  • List of nodal agencies (Cyber Crime Cell / Economic Offence Wing)

Caution against fictitious offers of remitting cheap funds from abroad

RBI Press Release : 2007-2008/770, Dated - December 7, 2007

The Reserve Bank of India has advised members of public not to fall prey to fictitious offers for release of cheap funds claimed to have been remitted by overseas entities to banks in India / Reserve Bank of India. Members of public should also not make any remittance towards participation in such schemes/offers from unknown entities.

Describing the typical modality of such offers, the Reserve Bank of India stated that certain foreign entities/individuals, including Indian residents acting as representatives of such entities/individuals, make offers through letters / emails, etc., of huge money in foreign currency to resident individuals/entities (including schools/hospitals), on the pretext of helping them in their business/ventures in India. Once the contact is established, the offer is followed by a request seeking details of bank account of the Individuals/Indian entity and asking some amount to be remitted to them as initial deposit/commission so that the offer money could be transferred. Likewise, references have been also received in the Reserve Bank in the recent past from individuals/authorised dealers seeking approvals/clarifications for effecting remittances in foreign currency towards commission/fees for receiving prizes won in overseas lottery schemes etc. It has also come to the notice of the Reserve Bank that certain overseas organisations have been advising individuals/companies/trusts in India that huge sums of money for disbursal of loans in India at cheap rates has been kept in an account with the Reserve Bank and the funds would be released after approval from the Reserve Bank. To substantiate their claims, even copies of certificate/deposit receipts purported to have been issued by the Reserve Bank are produced by such operators.

The Reserve Bank of India has today clarified that remittance in any form towards participation in lottery schemes is prohibited under Foreign Exchange Management Act, 1999. Further, these restrictions are also applicable to remittances for participation in lottery-like schemes functioning under different names, such as, money circulation scheme or remittances for the purpose of securing prize money/awards, etc. The Reserve Bank of India has further clarified that it does not maintain any account in the name of individuals/companies / trusts in India to hold funds for disbursal.

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