The Golden 5 security rules:

1) Make sure you have the latest security updates & patches, Helpful information about vulnerabilities in programs and how to find the fixes. 

From time to time, vulnerabilities are discovered in programs running on your PC. The publisher will then release a “patch” to correct this weakness. These weaknesses are regularly exploited by virus writers and hackers to gain unauthorized access to those PC’s that have not been patched.
 
To check for patches and updates you should visit the publisher’s website, typically in their Download section.
 
Microsoft users can visit: http://windowsupdate.microsoft.com which can automatically check what is required for both operating system and browser and then download it at your request.

2) Install anti-virus software Learn about commercial and free anti-virus protection products.

You may already be using anti-virus software but to be effective, the software should be updated on a regular basis with the latest virus definition files. If you are unsure how to do this, you should refer to the programs Help function.
 
There are many effective programs to choose from, but the most common commercial products include Microsoft Security Essentials, McAfee, Symantec (Norton) and Sophos.
 
It is also possible to obtain free anti-virus protection. A search for “free anti-virus” on Google will provide a list of the most popular ones.

3) Use personal firewalls. A firewall is a program that helps protect your computer from internet-borne threats, such as potential hackers and offensive websites.

A personal firewall is another small program that helps protect your computer and its contents from outsiders on the Internet. When installed, it stops unauthorized traffic to and from your PC.
 
There are many effective programs to choose from. Common commercial examples include Zone Alarm, McAfee and Computer Associates.

4) Read our password advice Passwords are the key to your online account information so it’s important to keep them safe. 

Passwords are the key to your online account information. Avoid using the same password for different systems that are important to you. Doing so puts your money at risk should anyone discover this single password. For this reason, you are strongly advised to have a unique password for any services as critical as your Internet transactions.

When choosing a suitable password, you might consider the following:

Be different – Avoid using the same password for different services.

Don’t be personal – Do not be tempted to use passwords that can be easily guessed, e.g. children’s names, pets names, birth dates, telephone numbers.

Never write them down – We strongly recommend that you never write down or otherwise record your passwords. If, however, you feel that you have no alternative but to do so, you should ensure that you never write down or otherwise record your passwords in a way that can be understood by somebody else.

In any event, you should never disclose your Internet log in details anywhere online except at your usual online trading website which should be accessed in the normal way and never via a link in an email.

5) Use an anti-spy ware program This will help to prevent information about your online activities being collected by third parties.

Spyware is the term used to describe programs that run on your computer for the purpose of monitoring and recording the way in which you browse the web and the internet sites you visit. For example, spyware can combine information about your online behaviour with that of many other users in order to generate market research data. This information can be bought and sold by companies interested in improving the way websites are designed and how the internet is used.

You may or may not wish for your internet usage to be monitored in this way. In addition, just as spyware can be used to improve the online experience it can also be used to extract personal information that you have entered, including passwords, telephone numbers, credit card numbers and identity card numbers.

Spyware is often loaded onto a PC as part of a free download of another service - for example a service that claims to improve the performance of your PC. Sometimes your agreement to the download is requested in the small print, but spyware may also be loaded onto your PC without your agreement or knowledge.

Spyware is not the same as a virus in that it only records what you do rather than altering how your machine works. Because of this, anti-virus software is not effective in identifying and removing spyware; you will need to download and run a specialised anti-spyware program.

Anti-spyware security software currently available include McAfee, Spybot Search and Destroy, AdAware, Spyware Eliminator, Spyware Doctor and Microsoft antispyware. We strongly recommend that you install and use a reputable anti-spyware product to protect yourself against spyware on your PC.

Very Important Note:

In our view, these five rules offer the most protection for the least amount of effort. By following these rules you will greatly increase your PCs protection, not just when you use our Internet Banking services but when you use the internet generally.

They are not all the measures you can take, but are an excellent start. They are equally applicable to business owners and to private individuals.