OOnline Banking

Security guidelines for e-banking & online transactions

Here are some simple tips to protect your e-banking credentials, online transactions and personal data from malicious attacks.

Password protection guidelines

It is obvious that you want your transactions to be secure; therefore, we provide simple advice to prevent the possibility of your passwords being stolen.

e-banking
  • your login details (username & password) are strictly personal. Do not disclose them to any third parties or write them down anywhere

  • ignore any emails or unusual pop-ups that may appear asking for your e-banking credentials
  • protect your computer by always keeping the firewall activated
  • install an anti-virus software on your computer
  • be careful when logging in to your e-banking service from another computer that is not your personal computer. You should always log out and avoid saving your login information upon completing your transactions.

What to do if you do not receive notifications on your mobile;
  • avoid passwords generated by autocomplete applications and passwords with repetitive or consecutive numbers or dates

  • select passwords that others do not know or are unable to guess
  • do not use the same PIN for your mobile, card and e-banking service
  • do not hack your mobile software by using rooting or jailbreaking in android and iOS devices respectively
  • avoid connecting to public networks, such as in shops or airports
  • reset to factory settings if you are going to sell, give away or recycle your mobile phone.

Ensuring password and online transaction protection

We shield the security of our digital channels and your online transactions with the use of modern electronic protocols.

Online transactions through Optima e-banking

Optima bank has adopted advanced communication protocols and identification mechanisms for your personal data

(e.g. push notifications), so that you can make and approve your e-banking transactions and online purchases easily and securely.

Personal e-banking passwords

For your security, the system requires you to change your password every 6 months. However, you may change your password as often as you want.

In addition, in order to access your e-banking easier, you have the option to set up your own user ID.

With the aim to provide you with more security, a one-time password (OTP) is requested and sent to your mobile phone upon every connection to Optima's e-banking system from a new browser or IP address. If you wish, you can save the devices you frequently use for logging in, so that you do not have to fill in a one-time password every time. For each connection from a new browser or IP address, an e-mail is also sent to you, so that if the connection was not initiated by you, you can contact us and we can block the device and anyone who attempts to connect from it.

Password blocking

For your protection, we block e-banking credentials if they are incorrectly entered multiple consecutive times.

If the error is yours, then you can simply contact us to obtain a new password. In this case, you will need to have ready the PIN of an active debit or credit card and the mobile number you have registered with Optima bank.

Data protection

Your personal data is important! To maintain the security of your data, we use the following methods.

Secure pages

To protect your data, our online identity is certified by an independent third-party certification provider (Trusted Third Party).

Encryption

Optima bank provides you with a secure online environment on all of its e-banking pages, i.e. the page address is converted from http:// to https:// and the paddle lock icon also appears at the beginning of the address. Before entering your credentials, please make sure of the above. Your data is also protected by the TLS (Transport Layer Security) protocol with 256-bit encryption. With this encryption it is almost impossible to hack the messages from the browser to the Optima bank's server.

Firewall

Alongside encryption, access to Optima bank systems is protected by firewall technology, which blocks the use of specific services and prohibits unidentified users from accessing confidential bank data and information.

Transaction approval with push notifications

As an additional measure for your security, when you are about to make any transaction (e.g. online purchases, transfers to other accounts etc.) you will have to approve it. Before checking out, you will receive a push notification on your mobile phone to approve the transaction. You can then simply tap on your mobile's screen to approve the transaction and you are done. Alternatively, you can request a one-time password (OTP), which is sent through Viber or text message (SMS). This code has a short validity period and can only be used for a single transaction. In your next transaction, you will need to request a new one-time password.

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e-commerce transactions with cards

Make your online purchases at e-shops securely and promptly using your debit and credit cards.

Benefits:

  • Shop online at e-shops in Greece and abroad
  • Rest assured thanks to the state-of-the-art security requirements
  • Ensure strong identification while shopping online

Ensure optimum security for your online purchases with 3D secure, provided that the merchant supports the same security requirements. Before checking out, you will receive a push notification on your mobile phone to approve the transaction. Simply tap on your mobile screen to approve the transaction and you are done!

How to approve transactions via push notifications:

All you need is to download the Optima mobile app and keep push notifications activated.

If you are not using the push notifications service, at the check-out stage, enter your password and the additional one-time password (OTP) sent to your mobile.

See more about strong authentication in online shopping here.

How can I manage push notifications?

You can manage push notifications via the Optima mobile app by selecting Profile> Settings> Push notifications.

What can I do if I don't receive notifications on my mobile?

First, you need to make sure that you have downloaded the latest version of the Optima mobile app and that you have enabled push notifications.

If you still do not receive push notifications, check that you have enabled push notifications from your device settings, and that the mobile data on your device is on, or that you are connected to a wifi network.