Troubleshooting / Security

   * Help on Internet Banking
   * Security Features
   * General Tips



At ING Vysya Bank, we are committed to protect your confidential information, we use state of the art monitoring & reporting tools to prevent, detect, analyze & response to any unwanted activity. we use defense in depth approach by putting multiple layer of security. We always keep ourselves abrest of emerging technologies and new advances & new threat posed to security are continuously evaluated and we employ the latest industry best practices to ensure the integrity of our systems and the safety of your information.

128-bit Secured Socket layer (SSL)

ING Vysya Bank employs 128-bit Secure Socket Layer (SSL), which is one of the best commercially available encryption technology most commonly used by large-scale online merchants, banks, and brokerages worldwide. Encryption is a method of scrambling information to protect its transmission across the Internet. The encryption of data provides a strong degree of protection against tampering while data is moving through the Internet. All online sessions between the customer and the bank are protected by up to 128-bit encryption, which best protects customer information against disclosure to third parties.

Verisign Digital Certification

ING Vysya Bank website is certified by Verisign Digital Certificate. Digital Certificates provide the user with third Party (Certification Authority) evidence of the server's authenticity. This safeguards users from trusting unauthorized sites and allows the session to be encrypted. Verisign is an internationally acclaimed Certification Authority and their certificates are used worldwide by large-scale online merchants, banks and brokerages. You will see a "closed lock" icon on the right most bottom corner of the logged in section. Clicking on that will allow you to see the Verisign Certificate authenticating the site.

Secured Login Page

The login page on which User ID and Password is entered by the Customers is also secured

Locking Of Password

Online access to your account is automatically locked if you enter in an incorrect password for certain number of attempts.

Two levels of Password for Financial Transactions

Funds Transfers and Bill Payment can be executed through Internet Banking only by use of transaction password in addition to the password used for logging in. All main transactional facilities on the website cannot be done without entering transactional password. Such a password is machine generated and is known only to the Customer.

General Tips to Customers

Also on the website, we provide tips to customers for online security. These tips are provided so as to ensure internet security at Customers' end (from the place internet is accessed). We request customers to download latest security patches from their software providers (browser providers), to access internet banking from offices or at home.

Other features

After logging to the website, you will find several measures taken by us (like session expiry) keeping internet security in view. All these features ensure that customer data with Bank is safe and its privacy is ensured. Similarly Online session automatically expires to prevent unauthorized access to your account if you keep your browser inactive for a certain amount of time. You will require to login again to transact.

Browser Compatibility

Microsoft® Internet Explorer 5.XX and above


Encryption is currently the most effective way to securely transmit data over the Internet. Web browsers use encryption to enable safe online communications and transactions between you and the Web sites you interact with. The stronger the level of encryption your Web browser uses, the more difficult it is for unauthorized individuals to intercept your online activities. The two most common levels of encryption used by Web browsers today, are 40-bit and 128-bit.

We recommend that you use a Web browser that supports 128-bit encryption for all your Internet activities. In fact, you will be required to use a 128-bit browser to access many of our secure Web sites like Online Banking and Online Trading. If one of our secure Web sites requires an encryption level that your browser does not support, you will likely receive an error message when you attempt to login. If this occurs, we recommend that you download a more recent version of your browser. Download the most recent version of Microsoft Internet Explorer or Netscape Navigator.

Secure Login

For logging in into the website you will have to provide the user id and password which has been provided to you.The web page on which you are required to input these details is also a secure page. Your password should be kept secret at all times because it is used to help verify your identity before you are permitted access to your accounts and information. If you are unable to provide the correct user id and password, you will not be granted access.

When you login successfully, your Web browser will establish a secure SSL connection between your computer and our Web servers. This will allow you to communicate with us privately and to conduct online transactions safely. To make sure your browser has established a secure connection, look for a security symbol located at the bottom left or right hand corner of your browser. You may also check the address bar of your browser. If the Web site address starts with "https://" rather than the standard "http://", then the session is secured

Timed Logout

To further protect against unauthorized access to your accounts, our systems are designed to automatically terminate a secure online session if extended inactivity is detected. If your session terminates you will have to login again to continue your activities.

Identity Protection

ING Vysya Bank is NOT liable for any loss arising from your sharing of your User Ids, passwords, cards, card number or PIN with anyone, NOR from their consequent unauthorized use. Please do not reply/respond to any communication, including email, SMS or phone call informing you that your banking or other accounts will be closed unless you provide your personal or banking information by responding to such communication or other email address/website/mobile number/phone number, or any communication requiring furnishing of any information personal or otherwise, and representing to be from ING Vysya Bank.

We would invite you to report or inform ING Vysya Bank about all such instances to our

Avoid sending or furnishing personal and financial information on email. Also prior to providing any information (financial or personal) on a website, verify the bonafide of the website, its address and of the owners/operators of such websites. Make sure that the URL (Uniform Resource Locator) that appears in the "address" or "location" box on your browser window is the one you wish to access.

Set a screensaver password for the system, while browsing.

Anti-virus Software

Computer viruses and worms like "Melissa" and "Code Red" receive a lot of media attention because they can spread quickly and wreak havoc on personal computers and corporate networks. You should always use up-to-date anti-virus software that is capable of scanning files and email messages for viruses. This can prevent your files from being corrupted or lost, as well as save you hours of frustration as you try to restore an infected computer system.

Anti-virus software will also protect you from Trojan horses. Trojan horses are typically sent to computer systems through email. They are particularly dangerous because they have the potential to allow others to gain control of your computer system remotely, without your knowledge or consent. These programs can capture and send sensitive information stored on your hard drive to any other person who has gained remote access to your computer.

A variety of anti-virus software packages are available on the market today. Many of these products install anti-virus updates to your computer automatically, as long as you have the update feature enabled.

Pesronal Firewall

Any computer or device connected to the Internet that is not properly protected is vulnerable to a variety of malicious Internet intrusions and attacks. This applies to all cable modem, digital subscribe line (DSL) and dial-up users. However, cable modem and DSL users are particularly vulnerable because both connection methods provide "always-on" connection capability. The likelihood of a malicious individual entering your computer increases significantly the longer your computer is on and connected to the Internet.

A personal firewall will help protect you from intrusion. Firewalls create a barrier between your computer and the rest of the Internet. A firewall can be a hardware device, a software application or a combination of the two. Firewalls can prevent malicious attacks and block certain types of data from entering your computer or private network. They can also be set up to alert you if anyone tries to access your system.


Passwords are used by computer systems and Web sites to verify who you are. When you login to a secure Web site using a password, you are granted appropriate access to available services and resources. If someone else knows or guesses your password, they can access the same resources. In other words, whatever you can do when you are logged into a site, they can do too!

Always choose unique passwords that include letters and numbers. Longer passwords that have eight or more characters and mix letters, numbers and special characters are much more difficult to figure out than shorter, more straightforward passwords. You should also avoid choosing passwords that are obvious, such as family names, birthdays and telephone numbers that might be easy for others to figure out.

Passwords Tips

Change your Password (Login and Transaction) after your first login and thereafter at least once in a month.

Please create and maintain different passwords for Login and for Transactions. This provides additional security for financial transactions through Internet Banking.

Avoid using the same password for multiple applications or Internet services. You should use a unique password for each Web site and purpose.

Your password should be complex and difficult for others to guess. Use letters, numbers and special characters [such as !,@, #,$, %, ^, &,* (, )] in your passwords. These increase the security of the passwords.

Don't use passwords that are obvious, like your name, names of family members, your address, or any other information that a thief might find in your purse or wallet.

Try to avoid passwords that are real words.

If your login IDs or passwords automatically appear in the sign-in page of a secure Web site, you should disable the auto complete function to increase the security of your information.

If you are accessing any website (including from cyber cafe, any shared computer or from a computer other than that of your own, please change your passwords after such use from your own PC at workplace or at house. It is very important to do so especially when you have entered your transaction password from such shared computer or cyber cafe computer. Change these Passwords from your own PC at workplace or at your residence.

Never share your passwords with others, including family members. Do not disclose your Internet Banking password to anybody, even to an ING Vysya Bank employee.

Please destroy the PIN mailer after memorizing it and/or change such PIN if the option is available.

Software Updates

The software you use and the Internet itself can impact the security of your online activities. Therefore, you should watch for security bulletins that warn you about various security "holes" or "bugs" that may impact the software and Web browser you are using. It is very important to check the Web sites of your operating system and Web browser vendors for software "patches" and "updates". It is also a good practice to regularly check our Security Bulletins section for news on applicable software "patches" and "updates". Some operating systems and software can be configured to automatically check for new updates.

To access current Microsoft Security Updates, please visit their Security Updates Web site.

Sign-Off / Log-Off

When you are finished conducting online transactions or visiting secure Web sites, remember to properly Sign-Off / log-off and close your browser. This will ensure that any information that is cached or stored on your computer or in your browser is erased. This will prevent others from being able to view this information later.

Unwanted Software

Downloading free software, subscribing to free online services, clicking on deceptive pop-up boxes or simply visiting an interesting Web site may be putting your privacy and security at risk. Unwanted software is often bundled with free online offerings and is becoming an increasing threat to privacy and security.

General Tips

Open e-mails only when you know the sender. Take special care while opening attachments as it may carry a virus.

Be very sure of the website address. A website address is reflected on your Internet Browser. This check is recommended every time you provide any information about yourself.

Look for the padlock symbol at the bottom right of a web page to ensure the site is running in secure mode BEFORE you input sensitive information.

Make sure that your computer is protected with Anti-virus and you have latest anti-virus software. Anti-virus software needs frequent updates to guard against new viruses. Such general updates are usually available Free of Cost from Service Providers. Do enable auto update for anti virus software.

If possible, install a personal firewall to help prevent unauthorized access to your home computer, especially if you connect through a cable or DSL modem.

Don't share your hard disk / folder of your system when you connect through cable or DSL modem

Monitor your transactions regularly. Review your order confirmations, credit card, and bank statements as soon as you receive them to make sure that you are being charged only for transactions you have made. Immediately inform us about any irregularities. You can reach us at

Review Credit Card and Bank Account statements as soon as you receive them to determine whether any charges have been billed to you, which you are not aware of. In case you suspect any unauthorized usage please get your Credit Card/ Debit Card blocked immediately so as to avoid further misuse of it.

Do not keep computers online when not in use. Either shut them off or physically disconnect them from internet connection.

Do check the 'Last Logged In' information in each internet banking session - promptly report any irregularities by mailing to

About e-mail Fraud

Beware of fraudulent e-mails requesting online banking security details!

Internet Banking is a safe way to manage your money. However, there are Internet fraudsters around who will try to gain access to your accounts by e-mailing you and prompting you to disclose your on-line banking details to them. Banks will never send e-mails that ask for confidential information. If you receive an e-mail requesting your Internet Banking details, you should not respond.

How do fraudulent e-mails work?

Typically you will receive an e-mail claiming to be from your bank, either requesting your security details (perhaps as part of an update or confirmation process) or asking you to follow a link to a site where you will be encouraged to provide a range of information such as your credit card number, personal identification number (PIN), passwords or personal information, such as mother's maiden name.

Clicking on the link then takes you to a fake website, designed to look like that of your bank, but operated by the fraudster.

Treat all unsolicited emails with caution and never click on links from such emails and enter any personal information.

If you've replied to a suspicious e-mail and provided personal or sensitive information about your account please contact us immediately.

To ensure a legitimate and safe sign on, always enter ING VYSYA Bank's web site in your browser's address field.

About e-mail Fraud

Beware of fraudulent e-mails requesting online banking security details!

Internet Banking is a safe way to manage your money. However, there are Internet fraudsters around who will try to gain access to your accounts by e-mailing you and prompting you to disclose your on-line banking details to them. Banks will never send e-mails that ask for confidential information. If you receive an e-mail requesting your Internet Banking details, you should not respond.

Online Security

Secure your Online Banking experience

While ING Vysya Bank strives to provide our customers a secure banking environment, we also recommend our customers not provide their banking and other details to any one as a means of enhancing security to Online Banking. ING Vysya Bank is NOT liable for any loss arising from your sharing of your User Ids, passwords, cards, card numbers or PINs with anyone, NOR from their consequent unauthorized use.

ING Vysya Bank employs a range of security features for its Online Banking Service.

       (i) Firewall (Virtual electronic fence that prevents unauthorised access to the ING Vysya Bank server)

       (ii) 128 bit Secure Socket Layer

       (iii) Verisign Digital Certificate

       (iv) Two levels of passwords for executing Financial Transactions

       (v) Secured Funds Transfer & Bill Payment