Flat fees can be of great benefit for you at larger Account sizes. As a rough guide, if your Account value is £100,000 or more, you’ll start to see the flat fee difference with Alliance Trust Savings. And the larger your Account value, the clearer it becomes.
When trading or managing your plans and Accounts online, there are a number of simple and easy ways to help keep you safe by protecting your computer, keeping your identity secure and staying safe when online.
Protecting Your Computer
To protect your computer you should use anti-virus software, maintain a firewall, and ensure that your computer software is up-to-date:
Install and maintain antivirus software - Anti-virus software protects your computer in two ways. First, it detects and removes any computer viruses that have been installed on your computer without your permission. Second, it can help to prevent viruses from infecting your computer and compromising your online security.
If you do have antivirus software, we advise that you should update your virus definitions automatically when available to keep the latest threats at bay. We recommend you choose a product that includes anti-spyware software.
Maintain a firewall - The firewall is a security application that sits between your computer and the internet shielding your PC from unauthorised access. Any PC that you use to access the internet should use a firewall. We recommend that your Firewall is set to monitor both incoming and outgoing internet traffic - this ensures that you have control over information that enters and leaves your PC.
Modern Operating Systems have firewalls built into them. Consult your help menus for instructions on checking or setting up your firewall.
Ensure that your computer software is up-to-date - You should regularly check for updates to your operating system and your most commonly used applications. If you have a Windows computer, you should visit the Windows Update site regularly. If you have an Apple computer running OS X, you should run the Software Update tool regularly. For patches/updates for any of your software applications, visit the software publisher's website.
Keep Your Identity Secure
Look after your security details - remember that our staff will never ask you to tell us your Personal ID and Password in order to access your plans. Your Personal ID and Password are the key to accessing your Accounts and information online. You should keep these in a safe place, never share them with any one else, and change your password regularly to ensure its security.
Watch out for fraudulent (or 'phishing') e-mails
Phishing is a fraud technique commonly used to attempt to trick people into revealing their security number and password to fraudsters.
A phishing scam typically works by the fraudster sending out a fake e-mail that has been designed to look like it comes from a reputable source. This fake e-mail asks for security details or directs customers to a counterfeit banking or commerce site. At the counterfeit site, the fraudster asks the customer to enter their complete security details - password, security questions, user name... the sky is the limit. These stolen security details are then used to commit fraud.
If you receive an e-mail requesting your security details do not reply and do not follow the instructions even if the e-mail suggests that you need to take immediate action to stop your Account being frozen or it indicates that you may incur a fine if you don't. These are just tricks that the fraudster is using to manipulate you in to giving away your vital details.
If you suspect phishing, call us at 01382 573737 or forward the suspect e-mail to firstname.lastname@example.org
Become a smarter web user
The more you know about fraud, the less likely you are to become a fraud victim. Credit card fraud, telephone scams, and internet fraud all use unique mechanisms in attempting to steal your information. The three most commonly used internet scams are phishing, trojans, and spyware. More details on these and recent security threats are covered in the section Latest security alerts.
Stay Safe Online
Ensure that the site you think you are managing your finances online with is a genuine site.
Always type the internet banking URL directly into your browser - Type https://www.alliancetrustsavings.co.uk/online/ directly into your browser instead of following links. You greatly reduce your chances of being duped by a spoof site.
Check for 'https' and the lock - Genuine secure sites have addresses that start with 'https' and display a padlock icon.
Click that lock - Clicking the padlock icon that appears in your internet browser brings up information that can help you confirm that the site is genuine. If the padlock is not within its valid dates or has been issued to a website that you do not recognise, DO NOT ENTER YOUR SECURITY DETAILS and call us at 01382 573737.
Always logout of secure sites - Never leave your computer unattended when logged in to a secure session (like Alliance Trust Savings online). Ensure that you log-out properly when you have finished your online session.
Be extra careful when using computers in public places - As you cannot be certain about the security of public wireless networks or computers in public places (like a library or internet cafe) you should be cautious about using internet banking services in these situations. Never change your security details while using a public wireless network or a public computer.