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Security - Staying secure online

Staying secure online

More and more people are realising that it's quicker and more convenient to take control of their finances online. But is it safe? Yes - as long as you follow a few recommendations and use your common sense, you can easily protect yourself and your money.

In this section, we give you some general tips to help you stay secure online – whether you're saving with us or any other financial organisation.

How safe is managing money online?

Managing your money online is usually very safe. But of course you also have a responsibility to keep your details secure. Remember:

For more information visit – a Government website that has free expert advice to help protect yourself online.

Online security tips

Follow these tips to protect yourself and your money:

Avoid using public computers to access your financial information. If you have to use a public PC, log out of the secure banking area when you've finished, then close down the internet browser program to clear any security information from the computer.

Find out more about safe online banking and fraud prevention here:

Making an online payment

If you're paying money to any organisation online, look for clear signs that the organisation is trustworthy:

If you're unsure whether the site is legitimate, call the company using a phone number that you've found independently from the website. Trust your common sense and don't be pressured into making a purchase with anyone. When it comes to handing over your money, choose a safe way to pay such as a credit or debit card.

Phishing and identity theft

Your identity and personal information about you (such as your address or details of any financial products you hold) are valuable.

Phishing is a type of identity theft. Someone pretending to be a legitimate organisation will send random emails to try to trick customers into giving away their personal information. If successful, criminals can use that stolen data for fraud.

How to spot phishing emails

How to deal with phishing emails

If you have a concern about an email that appears to be from NS&I, please forward it to us immediately at

You can find out more about phishing and other common online scams at and

Getting your money back

If you take steps to keep your personal details secure, you should be safe from computer crime. But sometimes the worst does happen. Fortunately, most financial organisations will repay any money taken from your accounts in full as long as you've followed their recommendations. They are usually listed in the terms and conditions of your account. If you're not sure, contact your financial services provider directly to check.

For NS&I's specific terms and conditions, read Our online security guarantee section.