What are your debit card credentials

Pay with a debit card or bank portal


There are reward points that you mentioned earlier. Some banks also give reward points for netbanking transfers, although very few and fewer than debit cards.

On a fraudulent website, the debit card adds a layer that is easy to change if compromised. ie only hotlist the card, get a new card issued. Netbanking quite a few banks have an incorrect implementation and it is difficult to change the login ID / user ID.

The dispute settlement mechanism is well established as it is a Master or Visa network.

The simple processing of transactions is possible with Netbanking, since 16 digits, expiry date and curriculum vitae have to be saved on cards. The entire process of using the card is divided into several parts. On a slow connection, it takes 3 days for something to go wrong. In net banking it is instantaneous. You simply log into the bank and check whether the direct debit has been completed.


Yes, the last thing you mention is important to me. Could you please explain what you meant by "Netbanking, some banks have implemented an incorrect implementation"?


@physkets Some banks have the customer ID as their NetBanking login ID. So if your account is compromised; Regenerating a new NetBanking login ID means a new customer ID, which would mean Re-KYC ... while some have a string [sometimes you can choose, sometimes specified] so that requesting a new NetBanking user -ID is relatively easy to be compromised when it is so.

Rosina Ramos Novigesto

Debit cards in my opinion, but not for your entire account, just a pre-loaded debit card (in case of fraud you risk the money on the card) or a wire transfer card (it's just a number provided by your bank that you can use to make an individual transfer)

Using the bank website directly from the purchase website poses a security risk if the bank website provided is not the real one.

In case you still prefer the bank website, please enter your login information and make sure all layouts and options look normal and change your password from time to time.
Your bank or your national Ciber security support will offer you the best available security options depending on the country, both before and after a security attack.