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Security

  Security in Banking Transactions

 

Mobile Banking

What should I pay attention for my Mobile Branch security?

  • It is very important that you use an anti-virus program, a spyware anti-malware and a firewall to protect yourself against possible attacks as well as detect and remove possible security vulnerabilities during Internet use. Some security software has these three features in one. While spyware programs protect your computer against spyware that collects your Internet usage information, firewall software prevents your mobile phone applications from connecting to the internet outside of your knowledge.
  • Keep your antivirus software database up-to-date. Periodically scan your mobile phone for viruses.
  • Keep your personal information private. Do not share your information such as date of birth, identity number, mother's maiden name, etc. with those who request these information by phone or e-mail.
  • Once you complete your transactions, use the "Secure Exit" button to sign out of the Participation Mobile.
  • Do not try to access the Participation Mobile by clicking on a link that comes in the e-mail and messaging programs channel, even from the messages from the people you know.
  • Do not store your customer number and password in the same place, do not note it, and do not send it by e-mail under no circumstance.
  • Do not share your password with anyone, including our Bank and Customer Contact Center staff.
  • Ensure that your password is not easily conjecturable (your birth date, favourite team, etc.).
  • Do not open attached files from emails that are forwarded from people you do not know.
  • Do not enter your security information by clicking the link that comes in by e-mail.
  • Ziraat Participation Bank does not have any password operations made via e-mail and does not ask for your personal information. Do not respond to this type of e-mails.
  • Change your password at regular intervals.
  • Keep your access details to internet services such as e-mail confidential.
  • It is extremely important that you use a PIN code on your mobile phone to prevent your phone from being used by others if your mobile phone is stolen or handed over to someone else. Thus, third parties will not be able to use your mobile phone applications beyond your knowledge.
  • Activate your phone's lock or key lock feature. Enable the password feature to open the lock, if any. These applications prevent anyone else from using your phone by providing your security.
  • Download mobile apps only from trusted sources for your safety.
  • You must turn off Bluetooth on your mobile phone while you are using the Participation Mobile app. Turning off the Bluetooth application will make it safer to use the Participation Mobile app. Do not accept files from Bluetooth that you do not know about source and reliability.
 What does Ziraat Participation Bank do for my safety?

  • Some security steps need to be taken and the user must be recognized by the system in order to benefit from the Participation Mobile. You will be authenticating yourself by introducing yourself to the system with your customer number, password and SMS verification password.
  • You will also be notified by SMS (text message) of critical transactions exceeding the amounts you have set up using the Participation Mobile. Thus, Participation Mobile will not be used beyond your knowledge and you will be able to interfere immediately.
  • If you do not make any transaction in the time given to you during your Participation Mobile session, you will get a warning window and you will be asked if you want to proceed. If you do not respond to this window within the time given to you or click on the sign out option, your session will be turned off. If you choose to continue processing, your session will continue.
 How can I update my mobile phone information?

  • Our customers may identify and update their mobile phone information only from our Branches for their security.
  • You have to go to your Branch and update as soon as possible in case your mobile phone number or SIM card changes.
 What is SMS verification?

  • The SMS Verification application is a safety measure taken to increase the security of our customers' transactions during their transactions on mobile.
  • After the SMS identification process is performed, a password is generated that allows one-time use for operations performed on the specified limits, and is sent as a message to your registered mobile phone. The password sent is valid for 3 minutes and it is not possible to use it again later. If you can not complete your transaction within this time, you will need to start the process again and use a new SMS. If you enter the wrong password 3 times, your password will be locked out and you will be logged of the system. You need to call 0850 220 5000 Customer Contact Center to unblock your password, and do the required transactions.
  • If your mobile phone is out of coverage or turned off, the transactions will not be made. Messages sent are not charged.
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Internet Banking

Which addresses can I use to access the Ziraat Participation Bank Online Banking?

You can access Ziraat Participation Bank Online Banking by visiting www.ziraatkatilim.com.tr or www.ziraatkatilim.com websites and clicking the Online Banking login button.


 

Will my existing products and accounts be automatically recognized by Online Banking?

You must have your accounts defined at the Branch at which your account is held. The accounts you will open through Online Banking will automatically be recognized.


 

How can I apply to Ziraat Participation Bank Online Banking?

You can apply through the Branch at which your account is held.

Following the completion of your in-branch application, the Branch will provide you with your customer number. After your application is approved, your Online Banking password will be sent to your mobile phone by SMS.


 

I have forgotten my Online Banking password, or it has been blocked. What should I do?

Our personal users who forget their Online Banking login passwords can create a new password by using the I Forgot My Password link on the login page. You can also create a new password by calling our Customer Call Center at 0 850 220 50 00.


 

What should I pay attention to regarding my security on Online Banking
  • You can access Ziraat Participation Bank Online Banking by visiting www.ziraatkatilim.com.tr or www.ziraatkatilim.com websites and clicking the Online Banking login button.
  • Do not access Online Banking from publicly accessible computers such as the ones at internet cafes.
  • Only use licensed operating systems and keep your web browser up-to-date. Harmful software programs take advantage of outdated operating systems and security gaps in browsers.
  • It is important that you use an anti-virus program, an anti spyware – anti malware program, and a firewall software to detect and resolve possible security gaps, and have protection against possible attacks during Internet use. Some security software programs contain all of these three features. While anti spyware – anti malware programs protect your computer against spy software that try to capture your internet usage information, firewall programs prevent the programs on your computer from accessing internet outside your knowledge.
  • Keep the database of your anti-virus software up-to-date. Perform periodic virus scans on your computer.
  • Keep your personal information confidential. Be cautious against people who request your information such as your date of birth, identification number, your mother’s maiden name by phone or e-mail.
  • Once your transactions are complete, make sure to use the “Secure Logout” button to leave Online Banking.
  • Do not try to access our Online Banking through the links above and through any link that may be sent through e-mail or chatting or messaging programs, even if such links are sent by an acquaintance.
  • Do not keep your customer number and your password in the same place, note them down or send them via e-mail.
  • Do not share your password with anyone including our Bank and Customer Service personnel.
  • Do not use easily predictable personal information (such as your year of birth, favorite team, etc.) while determining your password.
  • Do not open the attachments included in the e-mails sent by people you do not know.
  • Do not enter your security information by clicking on the links sent to you by e-mail.
  • Ziraat Participation Bank does not execute any transactions involving your password and request your personal information via e-mail. Do not respond to such e-mails.
  • Change your password periodically.
  • Keep the details that you use to access Internet services like e-mails confidential.
What does Ziraat Participation Bank do for my security?
 
  • To access Ziraat Participation Bank Online Banking services, the use must pass through multiple security steps, and be authenticated by the system. You must first verify your identity in the system by using your customer number, password, and SMS verification password.
  • Furthermore, you will be notified by an SMS about critical transactions performed through our Online Banking System with amounts higher than the threshold you predetermined. Thus, the Online Banking will not be used beyond your knowledge and you will be able to interfere in transactions immediately.
  • In the event that your Online Banking session is inactive during the preset time period, a warning window will pop up and ask you whether or not you want to continue the transactions. If you don’t respond to this window within the provided time period, or click the "end the session" button, you will log off. If you choose to continue with the transactions, then your session will resume.
How can I ensure that I have securely accessed the Online Banking System?
  • After entering your customer number and password on the login screen, you must see your name, last name and your security image on the next page. Thus, you may securely login to online banking.
  • Access the website by typing http://www.ziraatkatilim.com.tr in the address field of your browser. Make sure that the address of the Online Branch (E-Branch) is http://esube.ziraatkatilim.com.tr.
  • You can find the information about the time and date of your last login on the main page.
  • Each page you open must have a padlock sign on either the lower or the upper right corner of the page.
What is Online Banking SSL Security Certificate?
 
  • Online Banking SSL Security Certificate is a security protocol developed by Netscape in order to ensure security and confidentiality during information transfer on the network. SSL ensures that the information sent can absolutely and only be decrypted at the right address. The information is encrypted automatically before it is sent and can only be decrypted by the correct receiver. The verification is conducted on both ends, preserving the confidentiality and integrity of the transaction and information.
What is SMS Verification?
 
  • SMS Verification is a security measure taken to improve the security of any online transaction performed by our customers through the internet.
  • For transactions exceeding a preset limit, a single-use password will be generated and sent to your registered mobile phone number. The password will be valid for 3 minutes and cannot be used after expiration. If you have not completed your transaction within this period, you will need to repeat it with a new SMS message. If you enter the sent password incorrectly 3 times, the system will block your password and sign you out. In order to reactivate your password, you must call Customer Services at 0 850 220 50 00 to carry out the necessary procedures.
  • In the case that your mobile phone has no signal, is switched off, etc., you will not be able to perform any transactions. You will not be charged for the messages sent.
What is SMS Information?
 

SMS Notification is a precaution taken for your security. Notification messages will be sent to your registered mobile phone by the Online Banking System for transactions exceeding a certain amount. Thus, you will be informed about any transactions carried out through the Online Banking System. You can set transaction limits by calling our Customer Call Center at 0 850 220 50 00, provided such limit is not less than the threshold set forth by our bank and does not exceed the limit you have determined.

Can I restrict my access to Online Banking?
 

You can set certain limits and restrictions such as a transaction limit, a transaction restriction, access time and access authentication (IP, ISP, domestic, abroad) through your security settings. You can call our Customer Call Center at 0 850 220 50 00 at any time to remove your limits and restrictions.


 

How can I update my mobile phone information? What should I do when I change my mobile phone number or SIM card?
 

Our customers, for their own security, can only add or update their mobile phone information at our Branches.

When your mobile phone number or SIM card changes, you must visit our Branches as soon as possible in order to update your mobile phone number.


 

Although I have not performed a transaction through Online Banking, I have received a password/notification message on my mobile phone. What should I do?
 

You should immediately call our Customer Services at 0 850 220 50 00