Stay Safe on Your Smartphone: 8 Helpful Tips

Stay Safe on Your Smartphone - 8 Helpful Tips

We love the convenience of our smartphones today, as they let us get much done so quickly. In many ways, smartphones are replacing computers for many tasks, but are you aware of the risks that come with using your smartphone? Do you know how to stay safe when using it?

Cell phone safety is, or at least should be, a top priority for people all over the world. Our smartphones carry so much personal information that it’s important to make sure that your privacy is always protected when using your phone.

Ensuring that your smartphone stays secure and private is not as difficult as it sounds, it just takes some awareness and effort. This October, for National Cyber Security Awareness Month, we offer you 8 tips on how you can stay safe on your smartphone:

Protect Your Info with Passwords and PINs

Use a PIN or a password to protect your smartphone and make sure that they are strong and secure. There are hackers today that are experts at cracking passwords, so if your password is easy to crack, your smartphone is at risk. The Payza blog has tips on how you can create a strong and distinct password.

Your SIM card should also have a PIN. If your phone is stolen, the thief can take out your SIM card and use it in another phone to access your personal information. Stay even more secure by enabling this PIN code in your phone’s settings.

Also, enable an automatic lock screen so no one else can access your phone without unlocking it first, because when leaving your smartphone unattended someone can access it to extract much vulnerable information in just a couple of minutes.

Be Careful with Links and Downloads

Cyberattacks come in many different forms and most commonly your phone is at its greatest risk when downloading or opening files or links that contain malicious programs. That’s why it’s important that you do not click on links in text messages and emails unless you know that they are legitimate and trust the source. Pay attention though – hackers and identity thieves today send malware through phishing emails and text messages that are tailored specifically for you, by using information they find on social media. So always think twice before clicking on a link or downloading an attachment to your phone.

Be careful when downloading new apps as well and only get them from legitimate sources such as Google Play or iTunes. Some sites may be operated by cyber criminals and offer free or pirated apps that contain malware. If you’re unsure about an app or a website, read the reviews first, as this can help you avoid anything suspicious or threatening.

Keep Your Security and Operating System Up to Date

Always make sure to download the latest update for your operating system, as these updates often contain changes that make your smartphone even more secure. Some phones install these updates automatically, but you can also check your phone’s settings to verify if you need to install any new updates.

Mobile Security

You may already be protecting your computer with a security program, but did you know that you can protect your smartphone the same way? There are many good security software programs available for your phone that can provide protection from viruses, malware, unauthorized access to apps, and ransomware. Some of these apps can even help detect phishing emails! Therefore, be sure to install anti-virus software for your phone.

According to Technofizi, these are the 5 best anti-virus for iOS: Avast Secure MeLookout Mobile SecurityMcAfee Mobile SecurityNorton Mobile Security, and VirusBarrier.

According to Techradar, these are the 5 best security and anti-virus for Android: AVL, Avast Mobile Security, Bitdefender Antivirus Free, McAfee Security & Power Booster Free, and Kaspersky Mobile Antivirus.

There are also programs you can install that let you lock your smartphone remotely and use GPS signals to locate it in case you lose it, and even wipe the phone of its data if necessary. This way, you can stay secure even if your phone is lost or stolen. For iOS, there’s the iPhone Activation Lock that does this automatically when you have the “Find my iPhone” activated, and for Android there’s an Android Device Manager called “Find My Device”.

Be Careful when Using Public Wi-Fi Network

When connecting to a public Wi-Fi network, read the full Terms and Conditions before accepting them – make sure you know what information you’re giving up for the web access you’re getting. David Nield, freelance tech and science writer, suggests that if you have an alternative email address, you should use that. When possible, be sure to use the advertised, official Wi-Fi networks provided by the hotel, airport, restaurant or bar you’re visiting. Do not use an open Wi-Fi network if you don’t know who the provider is.

When using a public Wi-Fi network, you can not be sure if you’re using the one you think you are using, or the Wi-Fi of an identity thief sitting nearby. It is thus recommended to use a VPN (Virtual Private Network), which in the words of Steve Weisman, expert in preventing cyber scams and identity theft, “enables you to send encrypted communications through a separate and secure private network while you are on a public network.” To stay even more secure when using a public Wi-Fi network, you should not access sites that contain financial or private data, such as banking or shopping apps, or even your email. You can still use a public Wi-Fi network, just be careful when doing it.

Back Up Your Data

Today ransomware presents a big threat for your smartphone. These programs block access to your data and make it difficult to recover. It’s important to regularly back up the data on your phone to your computer, the cloud or an external hard drive. On many smartphones, you can set your data to be backed up automatically in the cloud. If your phone doesn’t have this option, there are apps that can do it for you.

Do Not Stay Logged In or Use Auto-fill

It is convenient to stay logged in to certain apps, but that also makes it easier for an attacker to access these apps and the personal information stored within it. Techradar recommends you to log out of apps when not using them to keep your smartphone even more secure. Do this especially for banking and shopping apps that contain bank account details, or for email accounts that contain personal information.

Do not save your personal information, such as passwords and credit card information, on websites that you visit on your smartphone either. Storing this type of information on your phone makes you more vulnerable to hackers.

Turn Off Functions You’re Not Currently Using

There are settings you should turn off when you’re not using them, such as Bluetooth, location services, Wi-Fi or mobile data. According to Steve Weisman, nearby hackers can use these functions to connect to your smartphone.

In addition, to keep your money and identity protected, be sure to close any apps that are running in the background before using your smartphone for banking. According to Symantec Canada, viruses and dangerous software attached to other apps can otherwise run in the background and monitor your banking activities.

You should always be cautious about how you use your smartphone. By following these precautions, you can ensure the security of your smartphone and protect your personal information.

When you download the Payza App on your smartphone, make sure you download it from Google Play or iTunes directly, and not from some any other seller or developer.

For more security news and tips from Payza, visit the Online Security section of the Payza Blog and follow us on Facebook or Twitter.

ATM Security: Some Helpful Dos and Don’ts

Atm fraud prevention scam card skimmer

Simple actions help ensure ATMs are both convenient and safe.

Both average citizens and criminal minds adore the convenience of Automated Teller Machines (ATMs). With the growing ubiquity of ATMs around the world, the emergence of cunning card scams that defraud ATM users are becoming all too familiar. Meanwhile, at the ATM most citizens remain unaware of the risks of tossing their card statements in the garbage on the street corner and appear aloof when entering their PIN number in full view of strangers passing by.

Though ATMs have been around for a while now, we all can benefit from a friendly reminder of the Dos and Don’ts when using ATMs and how best to keep our ATM cards safe.

Security guidelines for your ATM card


  • Sign your name on the strip on the back of your card as soon as you receive it.
  • First use of the card must be at an ATM, otherwise it will not work at Point of Sale (POS) at a store.
  • Memorize your personal identification number (PIN) and never share it with anyone.
  • Store your card in a secure place where you will know immediately if it goes missing.
  • Beware of “shoulder surfing”: shield your PIN from onlookers by using your body and hands. Once you complete your transaction, be sure that you have your card and your receipt, then leave immediately.
  • Make a new PIN as soon as you receive your card. Change your PIN every three months.
  • Store your bank card with care so that you do not damage the magnetic stripe.
  • Check your ATM machine for signs of any external fittings or loose wiring; these may indicate you are using a scam ATM machine. Report suspicious ATM machines to the bank and use another ATM.
  • Check your monthly bank statement for unusual or unauthorized transactions. Report any suspicious or unfamiliar transactions to your bank immediately.
  • Ensure your card is swiped in your presence at a POS.
  • Immediately inform your financial institution if your card is lost or stolen.
payza scam prevention fraud atm cards

Three simple rules that help prevent ATM card scams.


  • Never lend your card to anyone.
  • Do not write your PIN number on your card.
  • When disposing of old receipts and statements, don’t use public waste receptacles and be sure to destroy the statements so they are useless to identity thieves.
  • Never share your PIN with anyone, including a family member or bank personnel, or in response to online or email requests.
  • Never carry a copy of your PIN in your wallet or purse.
  • Never let anyone see you input your PIN.
  • Never use a PIN that could be guessed easily, such as your birthday or telephone number.
  • Never leave your card unattended; for example, in your car, hotel room or on your desk at work.
Payza scam atm security

These are definite ATM-card follies best to avoid.

More Resources

A victim of an ATM scam in India recounts her story (

This article has more tips on how to protect yourself at the ATM (Krebs on Security).