How to Use Net Banking- Top 10 Practices to Follow

How to Use Net Banking- Top 10 Practices to Follow
How to Use Net Banking- Top 10 Practices to Follow

Net banking is the digital service offered by banks to their customers. It is one of the most important services available online for easy and smooth everyday transactions. A customer with an active bank account and net banking credentials can use net banking services to avail of advanced level banking activities. Besides, net banking eliminates the need to visit the bank branch physically.

As net banking offers advanced level banking services as compared to a banking mobile application; however, it should be noted that net banking is available on an online digital platform. Generally, digital platforms are prone to digital frauds, malicious activities, hacking and more. Hence, it is crucial to understand how to use net banking judiciously and what safety measures should be taken care of when using net banking.

In this blog, we will understand how to use net banking properly and all the safety tips to follow.

10 Top Things to Know about How to Use Net Banking?

Though there is no sure shot way to safeguard oneself from digital issues; however, one can definitely follow the following points to minimize the digital impact-

Keep the password strong

  • It is advised to create the strong password
  • The password should be created by using special characters, lower case, upper case, numeric and alphabets. For example- PrI$#@*222%
  • It is recommended to keep the use of personal information like name, date of birth, phone number, email ID, etc., minimal
  • Keep the habit of changing the password regularly
  • It is considered good to keep the password written on a secret diary, cloud or on Google Keep
  • Always keep the password a secret and never share it with anyone

Monitor account

  • Never skip monitoring your net banking account
  • Ensure to check the passbook on a routine basis
  • In case of finding any fraudulent or suspicious activity, connect with your respective bank to the earliest possible time

Two-factor authentication

  • With the surging number of frauds happening over a digital medium, banks now offer two-factor authentication during the net banking account opening process
  • Make sure you enter a registered mobile number to receive OTP
  • The code or OTP sent to the registered number or another system remains valid for a short span. Make sure to enter it accordingly

Logout practices

  • Never leave your net banking account unattended
  • Always log out after completing your transactions or other banking activities

Use secure connections

  • Resist using public Wi-Fi or public networks
  • It is advised to always use secure and private network connections
  • Look carefully if your net banking website starts with HTTPS: or not
  • Ensure if the bank’s net banking website has a lock symbol in the address bar as it states that all the data is encrypted and will be converted into unreadable gibberish before it is sent

Banking notifications

  • Opt for mobile and email alerts whenever a transaction or any other banking activity takes place through net banking or mobile banking
  • Keep the bank assistance number or customer care number available to you
  • In case of detecting any malicious or fraudulent activity, connect with the bank and stop it immediately

Email scams

  • Banks never ask for a password or other banking credentials details over a call, email or message, hence, beware of any malicious or spammy email
  • In case of a complaint, banks always connect with their customer personally and verify the details before beginning with the process
  • Do not respond to any phishing emails
  • Connect with your bank to confirm the email and details written on it in case you find them valid but dicey to respond

Antivirus software

  • Always use the best antivirus software to safeguard your personal information
  • Update the software regularly

Update operating system

  • Keep updating your operating system
  • Never skip suggested updates from the device
  • Install the latest version of the operating system to keep your information and data protected

Official net banking website

  • Always use the official net banking website of banks
  • Never login to the net banking website through any third-party website
  • Avoid using the automatic login option as the automatic feature stores the login ID and password


Digital network is vast with a pool of information about companies, individuals, organizations and more. It is a little challenging to say that one can safeguard the data from any malicious threat, however, it can be said that using authorized sites, legal practices and a few best practices written above can help a lot.

Can I use third-party websites to log in to my net banking website?
It is always advisable never to use third-party websites to log in to the net banking website as they might result in account hacking.
Can I open my net banking website in incognito mode?
There are banks that do not allow users to open net banking websites on incognito mode as opening it in an incognito browser might result in data or digital frauds.
Who should use net banking?
Anyone with an active bank account or a person who would want to use a more advanced banking service can use net banking.
How many times should I change my net banking password?
It is up to the will of the user to change the net banking password; however, it is advised to keep changing the password once in 2 months or as per banking guidelines.
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