7 Ways to Keep Your Money Safe and Avoid Scammers with SWIRL Card

September 13, 2024
9:28 am

7 Ways to Keep Your Money Safe and Avoid Scammers with SWIRL Card this Autumn

In today’s digital world, safeguarding your money and personal information has never been more important. Scammers and fraudsters are constantly finding new ways to steal from people making online transactions. At SWIRL Card, we prioritize your security by offering robust measures to keep your money safe. Here are seven essential tips to help you avoid scammers and protect your funds when using your SWIRL prepaid Mastercard this Autumn.

1. Use 3D Secure for Online Transactions

What is 3D Secure?

3D Secure is an extra layer of security for online card transactions. When making a purchase, you’ll be asked to verify your identity through a one-time passcode (OTP) sent to your mobile device. This added step helps ensure that only you can authorise transactions with your card.

Benefits of 3D Secure

Reduces Fraud: It significantly decreases the risk of unauthorized transactions as each purchase goes through a high level of security checks that must be approved by the cardholder and can help you avoid scammers trying to use your details to make a fraudulent transaction.

Increased Trust & Confidence: Provides peace of mind when shopping online as you know your card payments are protected by that extra layer of security.

2. Monitor Your Account Regularly

Stay Informed

Regularly checking your SWIRL Card account activity helps you spot any suspicious transactions early. With the SWIRL Card App, you can monitor your balance and transaction history in real-time, ensuring you stay informed about every transaction and keep a close eye on your balance.

3. Keep Your Card Details Secure

Avoid Sharing Information

Never share your card number, PIN, or security code with anyone. Scammers often use phishing tactics to trick people into giving away their personal information. Always be cautious and verify the authenticity of requests.

Use Secure Websites

When entering your card details online, ensure the website is secure. Look for “https://” in the URL and a padlock icon next to it. These indicators show that the website encrypts your data, making it harder for scammers to intercept. You can also search the company you are booking with on Trustpilot to ensure it is in fact a legitimate business and add that extra peace of mind to your purchase.

4. Use a Separate Card for Online Shopping

Limit Exposure

Using a separate card, like the SWIRL Prepaid Mastercard or SWIRL Virtual Card, for online shopping helps you manage your funds and limits exposure to your primary bank account by adding an extra layer of security while you shop. This way, if your card details are compromised, your primary funds remain safe.

Budget Control

Having a dedicated card for online shopping also helps with sticking to your budget, helping you control your savings and avoid overspending. Our card offers the perfect solution to help seperate funds from your main bank account.

5. Be Wary of Phishing Scams

Report Suspicious Activity

Immediately report any suspicious activity to SWIRL’s customer service team. Quick reporting can prevent further unauthorized transactions and help in the investigation

Recognize Phishing Attempts

Phishing scams often come in the form of emails, text messages, or phone calls that appear legitimate but are designed to steal your personal information. Be sceptical of unsolicited requests for your card details or personal information.

Verify Before Acting

Always verify the authenticity of any request by contacting the company directly through official channels. Do not click on links or download attachments from unknown sources.

6. Use Strong Passwords and PINs

Create Strong Passwords

Use a combination of letters, numbers, and special characters to create strong passwords for your online accounts. Avoid using personal information that could easily be guessed like birthdays, pet names or surnames.

Regularly Update PINs

Change your card’s PIN regularly in-app to minimize the risk of unauthorized access. Ensure that your PIN is not easily guessable and avoid sharing it with others. This can help you avoid scammers getting hold of your infomation even if your details become compromised.

7. Keep Your Software Updated

Update Devices and Apps

Regularly update your devices and apps to the latest versions. Updates often include security patches that protect against new threats. This simple step can significantly enhance your security.

Enable Automatic Updates where Possible

Consider enabling automatic updates for your operating system and apps to ensure you always have the latest security features.

Keeping your money safe and avoiding scammers requires vigilance and the right tools. With the SWIRL prepaid Mastercard, you have access to robust security features designed to protect your funds. By following these seven tips, you can further enhance your security and enjoy peace of mind while managing your finances.

Get the SWIRL Card App

Download the SWIRL App today and order your SWIRL prepaid Mastercard to experience secure and convenient financial management.
By staying informed and proactive, you can protect your money and avoid falling victim to scammers. Take control of your financial security today with SWIRL Card.