Today, a bank card is the main tool not only for paying in shops but also for sending money online. However, as digital convenience grows, so does the risk of becoming a target for scammers. Even one careless step can cost you dearly.
So how do you stay safe when sending money by card? How do you reduce the risk and keep your money safe both in the real world and online?
1. Use only secure internet connections
Never enter card details on public Wi-Fi. These networks are often unprotected, and hackers can easily intercept your data. If you have to make a payment in a public place, use mobile data or a VPN.
2. Check that the website is secure
Before entering your card details, make sure that:
The website address starts with https://
There is a padlock icon next to the address bar
It is a trusted, well-known website (e.g. a bank or an official shop)
Websites without a security certificate (SSL) can be dangerous.
3. Never share your card details
Your card number, expiry date and CVV code (the 3 digits on the back of the card) are sensitive information that only you should know. Even if someone claims to be a bank employee, never give out these details by phone, email or message.
Banks never ask for card details this way.
4. Use an extra layer of security – 3D Secure
Most banks offer 3D Secure protection (e.g. Mastercard SecureCode or Visa Verified by Visa), which asks you to confirm a payment by SMS or in your banking app. If your bank doesn't offer it yet, it is worth asking for it and turning it on.
5. Watch your account statements
Check your account activity regularly and look for unfamiliar payments or small odd amounts (e.g. €1.01, €0.99). Small test payments like these often mean someone is trying to test your card.
If anything looks suspicious, contact your bank immediately and block the card.
6. Use a separate card for online payments
Using a separate card, or even a virtual card, only for online payments is a great way to reduce risk. Keep a small amount on it and top it up only when needed. That way, even if your details leak, the loss will be minimal.
Many banks and payment apps (e.g. Revolut, Paysera, Swedbank) offer free virtual cards.
7. Set limits
With most banks you can set:
Daily / monthly spending limits
Limits for online payments
Cash withdrawal limits
This protects you if your card falls into the wrong hands – even if someone gets access, they won't be able to empty your whole account.
8. Protect your devices well
Since we usually send money from a phone or computer, it is important to:
Keep your software updated
Have antivirus software
Use a strong password or biometric login
Not stay logged in after paying – always log out
9. Be careful with messages and emails
Phishing attacks are a common way to steal people's card details. If you get an email or text urging you to “click here and update your details”, be very careful.
Such messages often look like they come from a bank but are fake. It is better to log in to your bank yourself through the official website or app rather than through links.
Conclusion: safety is in your hands
Card payments are fast and convenient, but they also require responsible behaviour. Even small mistakes can open the door to scammers. By following the tips above, you can greatly reduce the risk and use your card with peace of mind for everyday shopping and online.