Monitor your account activity regularly for any unusual transactions or withdrawals and notify the Bank immediately if you suspect any discrepancies - It is one of the best ways to safeguard yourself against fraud.
Make sure that https:// is displayed on your browser's address bar as well as the closed padlock.
Look for the Green Address Bar displaying 'The Mauritius Commercial Bank (Maldives) Limited' - this is a clear visual cue that you have reached the legitimate MCB Internet Banking Site and that your connection is encrypted and safe to submit your personal and financial information.
We highly encourage though that you always use the latest version available of your web browser. You can check for the latest version from your browser providers' website.
Install the latest security patches in your operating system.
Equip your computer with strong anti-virus software and continuously update.
Install a firewall and make sure it is regularly updated and maintained*.
Password-protect your computer to prevent unauthorized access to your information.
Disable the 'AutoComplete' function - this will help prevent third parties from seeing your personal information.
* Note: A company's firewall often has sites restrictions. Ensure that it allows MCB's website and its secure internet banking serviceUse e-mail spam filters to protect you from receiving hoax/spam e-mails. These spam filtering services intercept many hoax e-mails preventing them from reaching your e-mail inbox.
Avoid opening, running, installing or using programs/files you have obtained from a person or organisation that you do not know. Be particularly careful of e-mails attachments, if you receive such mails, delete them. Any file carrying double extensions is most likely to be a virus and should never be opened. Files extension like - .exe - .pif - .vbs are commonly used to propagate viruses.
Never click onto a link from e-mails or attachment to have access to MCB Internet Banking - as this may take you to a spoof website.
Never provide sensitive information (your security details) in response to any e-mail, even if the e-mail looks like it comes from the MCB.
Important Notes: From time to time you may receive e-mails from the MCB and these may contain links, BUT they will NEVER take you directly to MCB internet Banking and we will NEVER ask you to disclose your personal or security details by e-mail.We put considerable effort into providing you with a safe Mobile Banking environment with the same high level security as our Internet Banking. We also draw your attention on the importance of taking the right precautions to safeguard your mobile phone and personal data.
Equip your device with an anti-virus software and keep it updated.
Keep your Operating System up-to-date - this will make sure you have the latest security patches.
Protect your device with a PASSCODE - it's your first line defense - and enable its automatic PASSCODE lock feature.
Keep your mobile clear from text messages from the Bank - especially before sharing, discarding or selling your device.
Never disclose any personal details via text message (password, account numbers, etc.).
Use Secured Network whenever possible. (Refer to the section 'Simple Precautions' under 'Security Initiatives' for more information).
Download Mobile Apps from reputable sources.
Choose a high-strength password - (try to avoid birth dates, phone numbers, names, etc. and prefer letters, numbers or symbols which are harder to guess) Avoid using the same password for different services.
Do not keep your password on yourself.
Do not write down or store your password anywhere.
Change your password regularly and activate 'password ageing' functionality.
Never disclose your password to anyone.
If you suspect that your password has been used by someone else, change it and notify MCB immediately.
Don't allow any website to store your password.
Important Note: MCB will NEVER ask you for your Internet Banking credentials (i.e. PINs or PASSWORDs) under ANY circumstances.
Security measures have been deployed by MCB to protect your data. However, you too are a guardian to your personal information. Here are some personal initiatives to keep in mind:
Always access MCB Internet Banking through www.mcbmaldives.com and log in from there.
Always log out your MCB Internet Banking session and close your browser when you have completed your banking.
Never access MCB Internet Banking from a link in an e-mail or from redirections from other websites - genuine emails from MCB will NOT contain any links to our internet banking service.
Do not leave your computer unattended when you are connected to MCB Internet Banking.
Avoid using public or computers you do not control for Internet Banking services.
Never change security details such as your password in a public place like a Cybercafe.
Use the latest browsers - they are up to date with the latest security fixes.
Turn on your browser's security features - they can help you browse the web safely.
Here are some of the security features that are available –
Protection from harmful Sites - helps protect you from online phishing attacks, fraud, and spoofed or malicious websites.
Content Security - helps prevent attacks from fraudulent websites that might attempt to steal your personal information by stopping Cross site scripting (XSS) attacks.
'Do not Track' privacy standard support - sites that you visit are asked not to track you.
Domain Highlighting - makes it easy to identify the real web address of websites you are on. This helps you avoid being tricked by deceptive websites that use misleading web addresses. The site you are visiting has its domain highlighted in the address bar.
128-bit encryption support - allows create encrypted connection between users and sites that handle sensitive customer information like financial institutions or ecommerce websites.
MCB recommends that you check the security documentations from your browser provider’s website for more information.
Always use secured wireless connections which make use of encryption to handle private/sensitive information online. There are 3 main encryption levels available - WEP, WPA, WPA2, the latter being the highest. With an encrypted connection, you will be prompted to enter a 'key'. Using an unsecured public WIFI would allow unauthorised people to intercept any information while you are online. There is also the risk that someone creates a spoof hotspot which fools you into thinking that it is the legitimate one.
