ABANC - Angolan Banking Association

• You should regularly consult the movements in your checking account. If you find any movement or irregular credit debt, you should contact your bank immediately;
• When disposing of your card invoices and bank statements, rip them, so as to prevent identification of their data;
• If in doubt about the security access to your bank or of any procedure performed, please contact your bank.

• Never share the PIN of your card;
• Keep your debt card in a safe place, without the access or knowledge of others;
• Memorize your card PIN without writing it down and never placing it together with your card;
• Check regularly that the movements made with your card have been properly registered and that the values ​​are correct. If you find any abnormality, you should immediately contact the card issuing bank;
• When paying with debit or credit card, always check the amount to be paid. After validation of payment, you should guarantee that you get a receipt that certifies the operation, which should be saved for subsequent validation with the account or card statement;
• Never lend your card or allow it to be examined by strangers;
• Sign all your credit cards after receiving them. If possible, make sure that your signature is difficult to copy;
• Never move away from an ATM before finishing the operation. If in doubt, press the "cancel" key and do not start any operation;
• Never accept or ask for help from strangers. If in need, ask a properly identified member of your bank;
• Be aware of the presence of suspicious people. When you enter your password, make sure that others can’t see your fingers movement on the keyboard;
• Before using the ATM, you should ensure that it is in good condition, that it presents no signs of having been tampered or vandalized, paying special attention to detect loose, bent or damaged parts, scratches or adhesive residues, particularly in the input or output of cards or bills area. If you notice any abnormalities, you should immediately contact the police;
• Be careful with strangers in ATM areas - your card can be exchanged or stolen without your notice;
• In shops, always accompany the operator to the machine where the card will be used to check the purchase amount on the screen of the equipment;
• Before leaving any facility where your card has been used, make sure that the returned card is actually yours;
• Immediately report to your card issuer in case of loss, theft, misappropriation or unauthorized use, as soon as you acknowledge the situation, and proceed accordingly to the way, means and time limits specified in the card accession agreement;
• If you replace your card, destroy the previous one, disabling the magnetic stripe, and in the case of a credit card, break the chip, the numbering and the signing places.

• Keep your check books in a safe place, without access to or knowledge of others;
• Use large and legible letters and numbers, avoiding to leave spaces between them;
• Avoid carrying the wallet checkbook with all the sheets. It is advisable to take only two or three sheets with you;
• Fill in all blank fields that can be used to add numbers or critical information, with a horizontal solid line;
• It is advisable to cross the checks and make it payable to the company or person who will receive it, preventing your check to be passed on to third parties;
• Note the number of used sheets of checks, as in case of theft it is easier to spot;
• Never let someone else fill in your check, a blank space may be left to add letters and numbers afterwards;
• Never leave a check requisition or filled in checks in the checkbook;
• Destroy checkbooks of inactive accounts;
• Report immediately to your bank in case of loss, theft or misappropriation of checks as soon as you acknowledge it;
• Always keep demand deposits with the necessary funds in order to avoid returned checks due to lack of provision.

• Install an antivirus program containing malware and spam protection, and keep it online with the latest version, with all updates applied;
• Install an antivírus program containing malwareand spam protection, and keep it updated with the latest realease;
• Use anti-spam filters in your e-mail inbox to filter unsolicited messages. Care should be taken regarding electronic junk mail of unknown origin, especially if they have any attachment; they can bring different risks to your safety;
• You should avoid clicking on links in your e-mail and should preferably type the provided e-mail address in the string of the browser;
• Change your internet banking access password periodically, at intervals between 90 and 180 days;
• Always try to remember your internet banking access password, avoiding writing it down or leaving it together with your card;
• To create strong passwords, it is advisable:

• that the password has 8-10 characters - the more characters, the more difficult for the criminals to break the password;
• that the password is alphanumeric: include letters (if possible, combining upper and lower case), numbers and special characters;
• avoid using in the password easily accessable information, such as birth dates, phone numbers, simple number sequences or surnames;
• to combine personal information, alternating between uppercase, lowercase and special characters, in order to store your password more easily;
• to use a different password for each service.

• Do not perform financial transactions or enter confidential data in public equipments (such as Internet cafes or hotels), in unfamiliar equipment or equipment that does not have updated anti-virus programs;
• Do not run programs or open files of unknown origin, as they may contain viruses, trojan horses and other malicious applications that can capture data or request access to the Internet banking service;
• Avoid visiting sites to download files of illegal software or with dubious appearance, as some of these sites automatically install malicious features and tools that can be used fraudulently. Just transfer from sites you know and that are reliable;
• When making payments or performing other financial transactions online, make sure the site is a secure connection through the HTTPS protocol, which uses digital security certificates, cryptographic methods, and other protocols (such as SSL - Secure Sockets Layer and TSL - Transport Layer Security) to ensure the confidentiality and integrity of information. A digital security certificate is a guarantee provided by an entity that confirms the identity of the user and the site's security level;
• Confirm that the site uses secure connections before entering personal or financial information. You can do this by verifying that:

• there is a padlock icon, usually next to the browser's address bar;
• the website address is preceded by https://, where the letter “s” after the usual “http” means “secure”;
• It comes with a digital certificate validation, which can be viewed by clicking on the closed lock icon.

• Visit your bank website by entering the address directly in the browser;
• Avoid clicking on links (hyperlinks) in existing pages or e-mails to access the site from your bank;
• Never leave your computer when you are making payments or performing other online financial transactions;
• Always end the Internet banking session by clicking on the buttons for this purpose.

• Never give out personal information, bank details or passwords on incoming telephone calls;
• Whenever contacted, make sure that the person who contacts you is duly licensed;
• Avoid using third-party mobile phones to contact your bank, because the data of your account and your password can be recorded in the device memory.