In an increasingly digital world, keeping your money safe online is just as important as locking your front door. From mobile banking to international money transfers, we rely on technology to manage our finances every day—but cybercriminals do, too. The good news? A few simple habits can go a long way in keeping your personal information and accounts secure. Here’s your go-to checklist for protecting your finances online, no matter where you are in the world.
1. Use Strong, Unique Passwords (Yes, This Still Matters!)
It might sound basic, but having strong, unique passwords is still one of the best ways to protect your online accounts. Reusing the same password across multiple sites makes it easy for hackers to break in. Instead, aim for passwords that mix letters, numbers, and symbols. Better yet, use a trusted password manager to create and store them securely. Think of your password as your first line of defense—make it a strong one.
2. Turn On Two-Factor Authentication (2FA) Wherever Possible
Two-factor authentication adds an extra layer of protection to your accounts. Even if someone gets hold of your password, they won’t be able to log in without a second step—like a code sent to your phone or generated by an app. Enable 2FA on all your important accounts, especially email, banking, and money transfer platforms. It’s one of the simplest ways to boost your digital security.
3. Avoid Clicking on Suspicious Links (Even If They Seem Familiar)
Phishing scams are getting smarter. Sometimes, a link might look like it’s from a friend or a company you trust—but clicking it could install malware or take you to a fake site that steals your data. If something feels off, don’t click. Instead, go directly to the official website by typing in the URL or using a trusted app.
4. Only Use Trusted Devices and Secure Wi-Fi Networks
When checking your bank account or making a money transfer, always use a trusted device on a secure network. Public Wi-Fi may be convenient, but it’s often unsecured—and cybercriminals know it. If you must use public Wi-Fi, avoid accessing sensitive accounts or use a virtual private network (VPN) for an extra layer of protection.
5. Keep Your Apps and Devices Updated
Software updates are more than just new features-they often include security patches that fix known vulnerabilities. Whether it’s your phone, laptop, or financial app, keeping everything up to date helps protect you from the latest cyber threats. If possible, turn on automatic updates so you don’t have to think about it.
6. Monitor Your Transactions Regularly
Checking your bank and transfer activity regularly is a great way to spot any unusual behavior. If you catch something suspicious early, you can act quickly to prevent further damage. Set up notifications for transactions if your bank offers them—it’s a small step that can give you peace of mind.
7. Talk to Your Family About Online Safety
Digital safety is a family affair. Whether it’s explaining to kids why they shouldn’t click strange links or helping parents set up two-factor authentication, having conversations about online security can make a big difference. Encourage everyone in your household to practice safe habits and stay alert.
8. Know What Remitly Will-and Won’t-Ask You For
If you use Remitly to send or receive money, it’s important to know Remitly will never ask for your password, full Social Security number, or unrelated credit card information via email or phone. Remitly may request an ID to comply with security regulations, but only through secure channels. When in doubt, contact Remitly’s customer support.
Final Thoughts: Stay One Step Ahead
Cyber threats are always evolving, but so are the tools we have to fight them. By following this digital safety checklist, you’re taking control of your online presence and keeping your money secure. Strong passwords, two-factor authentication, regular updates, and smart browsing habits are all part of being a responsible digital citizen. The more proactive you are, the safer your financial world becomes.
Frequently Asked Questions
How can I tell if a website is safe for online transactions?
Look for “https://” at the beginning of the URL and a small padlock icon next to it. A clear privacy policy, secure payment methods, and positive user reviews are also good signs.
What should I do if I think someone accessed my account without permission?
Contact your bank or service provider immediately to report the issue. Change your passwords and monitor your account for further suspicious activity. Some platforms also let you freeze your account temporarily.
Is it safe to use public Wi-Fi for banking or money transfers?
Not really. Public Wi-Fi is often unsecured, making it easier for hackers to intercept your data. If you have to use it, avoid logging into financial accounts or use a VPN.
What’s the benefit of using two-factor authentication?
Even if someone has your password, 2FA prevents them from accessing your account without a second verification step, like a code sent to your phone. It’s a simple but powerful security measure.
How do I create a strong password for my financial accounts?
Choose a phrase or combination of words that only you would think of, and include a mix of uppercase and lowercase letters, numbers, and symbols. Avoid using personal details like your birthday. A password manager can help you keep everything organized.
Why should I check my account activity often?
Regular checks help you catch fraud early. The sooner you notice something suspicious, the faster you can respond and prevent more damage.