DBS protects you with security controls and measures that safeguard online and mobile banking against viruses and malicious attacks that can compromise your personal information.

As a user, you also play an important role for full security of your banking transactions. Check out the following tips for protecting yourself whenever you use internet or mobile banking.

Internet banking:

  • Set your anti-virus and anti-spyware software to perform automatic updates daily.
  • Set your operating system to perform automatic updates daily.
  • Use a different PIN or password for web-based services such as email, online shopping or subscription services.
  • Do not click on links from emails or install any programs from doubtful origins.
  • Do not perform online transactions on PCs that you suspect are compromised.
  • Remove file and printer sharing when your PC is connected to the Internet.
  • Regularly backup critical data and encrypt these data with minimal 128-bit encryption.
  • Delete junk or chain emails.

Mobile banking:

  • Take extra care in guarding your mobile device. It’s more prone to getting misplaced than your computer.
  • If the function is available, turn on the password function in your mobile device and make sure that you use a strong one. This function protects your mobile device so that no one else can use it.
  • Most mobile devices or smart phones have an “Erase Data” function. If your mobile device has this, always turn it on. This function erases all your data after several invalid password attempts, so your data will not be compromised if your mobile device is lost.

Protecting Yourself at ATMs

There are many different types of ATM fraud. The most common ones reported locally are,

  • Card Skimming
    A user's personal banking information is stolen, by a device illegally fitted on an ATM.

  • Card Fraud
    Someone uses your card or card number without your knowledge, and uses it to make transactions.

  • Theft of PIN (e.g. Shoulder Surfing)
    Fraudsters employ various methods to steal your PIN when you use the ATM.

How can you protect yourself when you use the ATM?

To ensure that you get the highest level of protection against fraud whenever you use the ATM, practice these good banking habits:

Safety First - Use the ATM in well-lit and safe locations. If you notice anyone suspicious around the location, use another ATM.

Be Observant - If something about the ATM does not seem or 'feel' right, then stop your transaction and use another ATM. Do not remove any suspicious devices from the ATM, as it may be under surveillance by fraudsters.

Card is Cash - Consider your ATM card to be representative of all the cash you have in your bank account. Don't leave your card where you would not feel safe, leaving all your cash.

ATM PIN Is Your Key - Treat your PIN as the keys to all the money in your bank account. Don't reveal it to anyone - not a family member, a bank employee, or any other person. Make it a point to change your pin on a regular basis.

Shield Your PIN - Check the mirror at the ATM, to make sure no one is looking when you enter your PIN. Use your free hand, wallet or purse to shield your keying.


Protecting Your Cards & PINs

You can protect yourself from credit card fraud by learning how to take precautionary measures, making it harder for someone to steal your card or card information.


  • Sign your cards with permanent ink as soon as they arrive.
  • Keep a record of your card numbers, their expiration dates, and the phone number and address of our bank in a secure place.
  • Keep an eye on your card during the transaction, and get it back as quickly as possible.
  • Inform us immediately when you change your address. If possible, inform us in advance.
  • Keep your cards in the same place after use. This way, you will notice immediately if they are lost or stolen.
  • Update any change in your contact numbers, be it your Mobile, Home or Office number, so we can contact you if we detect any suspicious or irregular card activities on your account.
  • Respond quickly to your banks call or SMS on transaction verification. However, learn to make sure that the call or SMS is really from DBS Bank.

Do not:

  • Sign a blank charge slip.
  • Lend your credit or charge card to anyone.
  • Leave cards or receipts lying around.
  • Write your card information on a postcard or the outside of an envelope.
  • Keep card information such as your PIN number, in the same place as your card.
  • Give out your card number or other personal information over the phone or to anyone, unless you are sure it is from a company you know and trust. No one should ask for your password or PIN.