We take stringent steps to ensure that only you (or someone authorised by you) can
access to your accounts.
A world class solution that makes Internet banking completely secure has therefore been
implemented. Here are some of our security measures.
· User authentication
· Site certificates
What is encryption?
Encryption converts a meaningful message or other information into something meaningless to
those without the authority to view it. It also allows an authorised person to 'decrypt' the message,
i.e. to convert it back into its original form. Encryption and decryption make it possible to pass
messages between two (or more) people/computers without allowing anyone else to understand
What kind of encryption does Internet banking use?
We don't encrypt information that is publicly available. Your banking session, however, is protected by the highest level of security, provided by an internationally tried-and tested encryption technique that is significantly stronger than the 40-bit-key industry standard.
Without getting too technical, our technique is based on Secure Sockets Layer SSL standard (of
a similar strength to that used by other leading international internet banks) that encrypts
information between your web browser and our banking World Wide Web server.
How do I encrypt my secure communications?
If you have the browsers Microsoft IE 5.5 or higher, Netscape Communicator 6 or higher (all of which are SGC-capable), you'll be able to access Internet banking without any additional software. These browsers supply 128-bit encryption to banking sites, and 40-bit
encryption to non-banking sites that require encryption.
How do I know when my communication is encrypted?
If your browser is Microsoft IE 5.5 or higher
To verify your 128-bit connection drag your mouse pointer over the lock on the status bar at the
bottom of your browser. A popup box will display 'SSL Secured 128 bit'. To establish encryption
strength if the lock is not displayed view the site certificate contents in the 'Properties' option
under the 'File' menu bar item, and then select the 'Certificates' button.
If your browser is Netscape Communicator 4.05or higher
To verify the security of your connection click on the lock displayed at the bottom of the initial
(Subsequent pages do not display the correct security information.) A 'Security info' page will be
displayed with two options, namely 'View certificate' and 'Open page info'.
When selecting the latter, the page information, which includes the security status of the page,
will be displayed. Ensure that the status is as follows: 'This is a secure document that uses a
high-grade encryption key for US domestic use only (RC4, 128 bit)'. This information can also be
viewed by selecting the 'Page info' option in the 'View' menu bar.
How to verify the banking site certificate if you use a SGC browser:
The Microsoft IE browser allows you to view a site certificate from the 'Properties'
option under the 'File' menu bar item at the top of your screen.
The Netscape browsers allow you to view a site certificate from the 'Page info' option under the 'File' menu bar item at the top of your screen.
The Microsoft Internet Explorer, Netscape Navigator browsers should display the following key information:
This certificate belongs to:
This certificate was issued by:
Thawte SGC CA
This certificate is valid from <start date> to <end date>.
Fire walling is a barrier between a sensitive internal network (as used by the bank) and the
Internet. Our state-of-the-art firewalls protect our computers and your data, reinforced by
other high-security measures designed by experts and continually reviewed by specialists.