Quote Originally Posted by Bruno View Post
I use an ATM card, but it only goes into slots where I can still see it, or bank terminals. If I enter my pin, I always cover my hand and the pin keypad.
I never use CC unless absolutely necessary (like in the US or on business travel) and then I monitor the bill closely.

Most banks here have ATMs inside that you can use to manage your banking transactions. Works like a charm, and is closeby. It's not that I would not use online banking if there was no other realistic option, but there is, so I don't.

If I use paypal, I always enter the url manually. I always transfer all > 100 euro amounts to a priavte bank account that only allows 1 way transactions. I also don't click on anything in a mail claiming to come from my bank. They know not to mail me.

Seriously, it's not like I singled out online banking and then forgot about the rest. I am careful with all transactions, and avoid as much attacks as I can. I also burn banking paperwork I don't use anymore.
That does read like you're indeed very careful. But can't that same level of care be taken with online banking with the same effect?

Clearly you keep a lookout for those scanning machines that scammers fit to the front of an ATM. Clearly you take care to avoid line of sight to your keying in the code. (Both things I do as well.) You're careful with your CC though you rarely use it (but if you were to lose your wallet anyone can use your CC via the phone). Nevertheless, your due care and attention minimises the risk.

I don't see how those principles don't also apply to how you manage your computer(s) and therefore minimise the risk of online banking from your private computers?

Perhaps I'm missing something (in terms of understanding the ability of hackers), but I am personally more concerned about the risk of losing my wallet (either accidentally or being ripped off or mugged) than about the risks of online banking within the privacy of my own home.