Staff Writer

As we hit the holiday season, it is important to empower yourself to not fall victim to Card Not Present (CNP) fraud, which occurs when neither the card nor the cardholder is present whilst a fraudulent transaction is being conducted.

Ingrid Katjiukua, FNB Forensics Manager says, “Online shopping continues to be a growing trend in Namibia. More and more consumers regularly buy everything from basic household necessities to clothing, gifts, and gadgets at the click of a button. Not only is it safe and convenient, you earn Rewards every time you shop with your FNB Credit Card.

However, to continuously get the best experience when shopping online, it’s equally as important to ensure that you are not caught off guard by online “fraudsters.”

Katjiukua shares some tips for consumers to consider when shopping online with their credit or debit cards.

• Ensure that you are buying from reputable websites and Apps.

• Enter the provider’s website by typing in the web browsers yourself instead of accessing it via a search engine as it might lead you to a spoofed site.

• Never access the website from a link you receive in an e-mail or sms.

• Make sure that you are not on a spoof site by clicking on the security icon on your browser tool bar, to see a Padlock and that the URL begins with https rather than http.

• Never save your personal and banking details on any merchant website. if the option presents itself, always remember to click ‘No’.

• Always remember to log off immediately when you have finished shopping.

• Always ensure you download the latest anti-virus software on your PC and mobile device where possible.

• Never provide your credit or debit card details unless you’ve initiated the transaction.

• Never provide your full card details, card expiry date, and CVV number for any transaction

• For all our FNB customers – ensure that your inContact details are up to date in order to get notified when money leaves your account.

• Should you suspect any fraudulent activity, immediately report the incident or temporarily cancel you card via the FNB banking App.

“Remember, FNB will never ask you to share your One Time Pin (OTP) over email, SMS or phone, so keep it safe. Following the above quick safety precautions and keeping up to date with the measures that your bank is using to prevent online fraud will give you peace of mind when shopping online with your credit or debit card,” Katjiukua said.