New Delhi: Online transaction has made our life very easy. Now with a single click, we can send money to anyone and anywhere. Doing online transactions is as easy as it is risky. A little carelessness while using this facility can also result in a major injury to the person.
So while sending or receiving money online, always be careful and follow some basic rules. It is also not that it is very difficult to follow the things which we have to keep in mind for safe transactions. 4 facts that should always be kept in mind for secure online transactions. Let’s know about them.
Choose the best payment option
There are many options today for transacting online. You can choose between UPI, NEFT, and RTGS to send or receive money. The choice of any option should be based on the amount to be sent or received, the requirement, and the nature of the transaction. Yes, pay a large amount through NEFT or RTGS only.
The charges levied by the bank on certain options should also be kept in mind while selecting any option. While making payments on an e-commerce website, always check the offers available on credit and debit cards there as well. You can save a lot by availing of these offers.
Cross-check the amount and other details
While sending money to any person or institution, the amount to be sent and the important information of the recipient should be cross-checked. Many times it happens that more amount is transferred by mistake than what is to be sent. Or if the information related to the money to be sent is wrongly entered, the money goes to someone else’s account. If more money is transferred or money goes to the wrong person, it is very difficult to get them back.
Extra vigilance is required on foreign transactions
Additional precautions should be taken while sending money abroad and while getting money from abroad to an Indian account. If you are sending money from a foreign to India, then you should always check the currency exchange rate. There is a difference in the exchange rates of different institutions. Apart from this, there is also a transaction fee to be paid for sending money from abroad. Therefore, such a method should be used, in which you have to pay less fee.
Avoid using public computers
Avoid doing online transactions using computers installed in public places like cyber cafes and libraries unless there is a major emergency. If ever you have to use a public computer, then after doing so change your password as soon as possible. This is necessary because public computers can contain dangerous software like malware and keyloggers, which can steal your important information and break into your bank account.
