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Security Centre

Security

 
What you need to do   Online fraud guarantee   Viruses and malware   Security Certificates   Glossary
 
What you need to do

With a few simple precautions, you can ensure that the risk of your financial information being fraudulently obtained by a third party is kept as low as possible

  • Keep your Account Security Number, your online password and your St. James's Place Bank user name safe and secret. Don't write them down and don't choose anything too obvious for your password - use our Password hints and tips.
  • Keep a close eye on your online Account. If you spot anything suspicious, contact us immediately at onlinesecurity@sjpbank.co.uk or 0345 602 6200.
  • Make sure you use effective anti-virus and appropriate malware detection software. You can find out more about this on our Viruses and malware page.
  • If you're using Windows, install the free security patch available at www.microsoft.com/security (opens in a new browser window)
  • Always ensure you log out from your Account when you have finished online, by using the "log out" button. Be particularly careful if you use a PC in a public place - for example, internet cafes or airports.
  • Never leave your PC unattended when logged in to your Account, especially without a screen lock. We recommend that you log out if you leave your PC unattended.
  • When logging in to your Account, make sure that no-one can see what you are typing.
  • Never respond to emails that request you to reply with your security details, including those that appear to be from St. James's Place Bank.
  • Remember that protecting your Account Security Number, passwords and Client Identification Number is your responsibility.

Password hints and tips

Being careful about the password you pick can make it much harder for automatic password detection software to seek out your password:

  • Don't ever use your own name, or the name of a favourite football team, child, pet, partner or friend.
  • Don't use a word which you would find in a dictionary or a proper noun without amending it in some way.
  • Use a combination of letters and numbers.
How do I remember my password?

One way of doing this is to think of a memorable word then change some of the letters into numbers.

For example, you could choose the word "swooning", then replace an "o" and an "i" with the digits "0" and "1" - "swo0n1ng". This means you should be able to remember the password - but it will still be very difficult for someone else to guess.

Please do not use the above example as your password!

Online statement security

Online statements give you more control over your bank account and the flexibility to access your records whenever you wish – and you'll be doing your bit for the environment too. However, there are a few facts which you need to be aware of in order to keep your account information secure.

What might happen when I access my statement?
If you choose to open your online statement, then the browser may deposit a copy of your statement on to the hard disk of the computer you are using. This means that a third party may subsequently be able to view it and potentially make use of your account details.

This may be of particular concern if you are using a shared computer (for example, in an internet café or a Microlab), or any machine which is not protected from third-party access (for example, with no anti-virus or malware protection). Bear in mind that this could include your home PC, if you share it with any other user.

Why does this happen?
This is how some browsers are programmed to behave with pdfs (which is the format in which your online statement is delivered). What they do is store a copy of the pdf on a part of the computer's hard disk called the Temporary Cache. They do this even if you are only opening and reading a pdf, and not planning to save it.

What does St. James's Place Bank recommend?
We recommend that you always choose to save your online statement. This means that you have control over where it is stored and so you can find it, read it, and either delete it or store it in a password-protected folder, a CD / DVD, or other removable storage device.

Here's how to do this: when you click on the link to open your online statement a grey box will appear, inviting you to open or save your online statement. Select save. It will prompt you to name a location where the pdf will be saved. You can now name a folder in a memorable way and save it (for example, on to the desktop). Then you should be able to find the folder quickly, and move or delete it once you have read your statement.

If you choose to delete your statement, make sure you also purge the recycle bin, by right-clicking the image of the bin and selecting "Empty Recycle Bin".

You should also ensure that your PC always has effective and up-to-date anti-virus and malware protection.

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