10 Red Rules

To use the Internet safely, you should have at least one licensed antivirus and/or anti-spyware program installed on your computer. You should update the virus definitions in this program regularly and run a virus scan on your entire system at least once a week. If you are using unlicensed programs and to protect yourself from threats from the Internet, virus scans are essential in catching spyware that may enter your computer.

Personal Firewall programs have the ability to inspect network traffic directed to your computer. Thanks to this inspection, you can prevent viruses/trojans/spyware programs that come from the Internet and can harm your computer from being downloaded to your computer.

If you are unsure of the source, do not share payment details via email or text.

Do not open emails from unknown persons (especially those with attachments); never open emails that appear to come from your bank and ask you for your password/user code/financial information/account number/credit card or bank card number, or to update your personal information. As a bank, we would like to remind you that we will never ask you for information or password updates via email. You can help us protect you against possible fraud attempts by not opening such fake emails, by not providing the requested information under any circumstances, and by informing us about the matter as soon as possible.

Windows is the most widely used operating system on the market. Regardless of your operating system, it is important to update operating systems regularly (to address security vulnerabilities that are later discovered), just like antivirus programs. Update your operating system and payment programs regularly to address security vulnerabilities.

The security of the computer you use for Internet Banking is of paramount importance. You should not leave your computer while using the Internet Banking service, and if other people use your computer, you should make sure that they take the same precautions to maintain security. Check your bank statements frequently for unauthorized charges.

When determining your Internet Banking password, it is important to avoid creating a combination of numbers that can be easily guessed (such as your date of birth) and to change your password regularly. You should make sure that this password is not the same as any other password you use for banking purposes.       

You should not write down your password and user code on your computer or in any physical location, do not carry them in your wallet, do not tell anyone, and do not forget that your bank recognizes you by this password and user code.

YapıKredi Azerbaijan Internet Banking offers you Smart Password for your security. By choosing from Smart SMS or Smart Key products, a special one-time password can be generated for you each time you use it, and thanks to this, you can ensure two-step security.

The most common security threats for Internet Banking customers come from fraudulent email requests for password and account updates, and from spyware that is installed on the user's computer without their knowledge. Some of these programs, such as 'keyloggers', have the ability to transmit to the spy user the exact sequence of each keystroke on the keyboard.

The use of a virtual keyboard (e-keyboard) in the Internet Banking service is one of the steps we have taken to provide effective protection against such widespread threats. These threats have been significantly reduced by educating our users about email security and using antivirus / Personal Firewall programs.

Check the authenticity of the sender before clicking on links.

Our Internet Banking service has general security settings. If you want to customize these settings to your own preferences and habits, you can disable your accounts for money transfer transactions or limit the places (e.g., only from your home computer) and times (e.g., only in the evenings) where you can connect to the Internet. You can access all of these programs from the “Security Settings” menu.

Use licensed programs on your computer.

Make sure that the programs you download from the Internet or want to install on your computer are virus-free.

To conclude your use of the Internet Banking service in the most secure way, use the "Secure Logout" button instead of closing the screen window with the X.

Check your account activity and credit card charges regularly.

Do not download programs to your computer whose source you do not know, and pay special attention to programs in "exe" format.

If you are using ADSL for your internet connection, disconnect the internet connection when you are not using the internet.

Do not conduct your Internet Banking transactions on computers that are open to everyone and whose security you are not sure of.

Do not click on email attachments, unknown links or pop-ups asking for payment details in emails sent from unknown individuals or entities, or download files attached to the message to your computer.

Always check for the "padlock" symbol and "https://" in the URL.

Enter the address of the website you want to connect to in person into the browser's address bar.

In doubtful situations, you can contact our Internet Support Team by calling *0444 Yapı Kredi Azerbaijan Call Center.