1. What are the parameters in nominating my User ID and password? User ID and password must be 6 to 12 alphanumeric nonblank characters. Your User ID must be unique. The system will reject a User ID that has been used earlier by another BPI Online Banking client. Your password, for added security, must not be your first name and last name and not the same as your User ID.
2. Is it safe for me to conduct my banking transactions using BPI Online Banking?
BPI Online Banking is highly SECURE as it is easily accessible. Strong measures are taken to ensure the privacy and confidentiality of your financial information.
BPI Online Banking requires the use of User ID and password that you nominate upon enrollment.
More so, online banking session is automatically terminated after you have left it idle for 5 minutes. Access to BPI Online Banking is only allowed through the use of approved browsers. These browsers have the ability to securely communicate online by changing the order of information as it goes through the Internet channel. All communications between your computer and BPI are encrypted using a high-level protocol called Secure Socket Layer (SSL).
Finally, a secure measure is being placed on our side. The information that you send us passes through a firewall. A firewall is a computer program designed to stop unauthorized users from accessing your accounts.
To further boost the security of your PC and online transactions, you can download and install a personal firewall and an anti-virus program. Installing a personal firewall will minimize the risk of exposure to Internet criminals who may reach out over the Internet and retrieve sensitive information from your computer, destroy your personal data, or install a Trojan horse which has the capability of memorizing your key strokes while an anti-virus program will protect you from viruses that lurk on the Internet which may affect your online transactions.
3. How secure is my User ID and Password?
Upon online enrollment, you will be asked to nominate your User ID and password. You can choose any word or name that will be easy for you to remember as a User ID. Your User ID must at least be (6) six alphanumeric non-blank characters but not to exceed (12) twelve characters. For your password, a minimum of (6) six and maximum of (12) alphanumeric non-blank characters is required. Without these unique identifiers, no one can access your Internet banking accounts. As an additional security at your end, the characters you enter in the password field will be masked with asterisks. For example, if the password you inputted is mmcc110, ******* will appear in your screen.
To further prevent others from viewing your account information, be sure to clear your browser's cache when you are through. Do not forget to log out after an online banking session.
4. What is ENCRYPTION and how does it work?
Encryption scrambles into unreadable format the data you send through the secured environment of Internet Banking. The account numbers, transactions and information are encrypted or scrambled to prevent hackers from reading or intercepting the data. In the secured server of Internet Banking, the data is then reverted to its original format for interpretation and fulfillment. The encryption process is also true for the data you receive from us.
5. What is SSL?
SSL (Secure Sockets Layer) is a layer that uses encryption, server authentication, and integrity checks to provide secure transaction and communication over the Internet. Any form of online communication between you and the bank is encrypted using SSL.