1. Contact our Customer Service immediately if the information that has fallen into the wrong hands includes all or part of your online banking credentials.

You can reach Customer service during working hours by phone +370 5 2472075 or e-mail Lithuania.icm@opbank.lt

Also notify our Customer Service if you have lost your personal ID document or a copy of the document.

2. Report a criminal offence if you know or suspect that someone has used your personal or banking details.

3. Follow the instructions you receive from the authorities.

4. Monitor your account transactions and contact the bank if you notice any transactions that you have not initiated yourself.

5. Be wary of any contacts from unknown persons, whether by phone or email. Bear in mind that the bank, the police or any other reliable party will never request you to tell them your online banking credentials or passwords.

6. Report a suspicious email or web page:

If you suspect that you have received a phishing email sent on behalf of OP, or see an abnormal notification or suspicious view in the NetBank service, please report the incident to us. You can send the report by email to Lithuania.icm@opbank.lt

Include the following information in the report:

• Your name, contact details
• The suspicious email message, preferably as an attachment. The email message can usually be saved by selecting “Save As” from the File menu. You can add the saved file as an attachment to your email.
• If you have visited a suspicious website and, for example, taken a screenshot or stored the source code of the page, you can add these to your report.

There may be reason to suspect identity theft, for example, if you receive bills for products or services that you have not ordered.

1. Contact our Customer Service immediately if the leaked information includes all or part of your online banking credentials.

You can reach Customer service during working hours by phone +370 5 2472075 or e-mail Lithuania.icm@opbank.lt

2. Report the offence to the police.

3. If you suspect that any of your passwords has fallen into the wrong hands, change it in all the services where you use it. Use different passwords for different services.

4. Enable two-factor authentication in all services that offer it.

The amount of data collected about us is constantly increasing, and we are leaving crumbs of data about ourselves whenever we go about our everyday business. Data collection has enabled many services that make our lives easier, but sometimes it is also a cause of concern: is my data safe, and how can I protect myself? Read our specialists’ tips for keeping yourself secure and for protecting your data.

There are many factors involved in protecting confidential information and using services securely, and every one of us can influence them. We are continuously working to ensure that our customers can use our services securely – whether online or in our branches. There are also some small steps you can take to protect your data.

1. Never reveal your user IDs or PIN to anyone.

The bank and the authorities will never ask for your online banking user IDs. They are intended for your personal use only. Also, we will never ask you for your payment card details by SMS, email or other messaging applications. We will never send links to websites where you are expected to sign in with your online banking user IDs or enter your payment card details. If someone contacts you and asks for your online banking user IDs or card details, the person is likely to be trying to get information for criminal purposes.

2. Make sure you are on the authentic OP website whenever using the online bank.

Always enter the address for the online bank (www.opbank.lt) in your browser’s address bar personally whenever logging into the online bank. Do not log into any online bank through a link or search engine results (such as Bing or Google) since they may direct you to a phishing website.

Check the browser’s address bar to make sure that you are at the right address, and that the address is protected.

See instructions on how to check the website certificate and address

(https://www.op.fi/secure-online-transactions/security-features-of-op-eservices)

3. Never confirm payments or transactions which you didn’t select for confirmation yourself.

Transactions you perform with your user IDs are confirmed either with Mobile-ID, Smart-ID, PIN Calculator or Estonian ID card. Confirmation requests are always sent in real time when you are using your user IDs. Check that the information in the confirmation request matches the transaction you are performing at the time. If any of the information does not match, is wrong, or you are not using your user ID at the time, do not confirm the transaction.

4. Keep your user IDs and password safe.

Do not save them in an easily-readable form or in a place where someone else could get hold of them. Read any confirmation messages you receive with care. Do not confirm transactions that you have not selected yourself.

5. Make sure that the software and protection on your computer and mobile devices are up to date.

Only install applications that you use and need on your computer or mobile device to reduce the number of applications you need to protect. Do not install on your devices any software whose security you can’t reliably determine – particularly if you receive a sudden installation request from an unexpected party.

If possible, we recommend that you enable on your mobile devices a setting that will automatically update applications whenever a new update is available. As regards applications installed automatically by your computer, check regularly if there are any updates available. Always install updates as soon as they are available.

6. Monitor your account transactions and credit card charges.

Sometimes, invoicing errors occur by accident, so it is always a good idea to be attentive.

7. Think about suitable transaction limits for your accounts.

8. Remember to take good care of information on paper.

Dispose of paper invoices and other documents containing your personal data with care. Do not put them in the paper recycling bin. If you have a postbox, keep it locked.

OP’s online services have been designed to support easy and secure use of services. Online services’ security features have been developed to prevent cybercrime. You will notice some of these features when using our services, whereas others run in the background.

Ensure that your connection is secure and check the certificate

Always enter the address for the online bank (www.opbank.lt) in your browser’s address bar personally whenever logging into the online bank. Do not click links in emails or SMSes. Do not log into the online bank from the results page of a search engine (such as Bing or Google).  

Check the browser’s address bar to make sure that you are at the right address, and that the address is protected. Click on the padlock in the address bar to view the website’s digital certificate. Check the following information:  

• The website's certificate has been issued to OP Financial Group (such as OP Osuuskunta).  
• On the genuine OP website, the address in the address bar and certificate is www.op-bank.lt
• The certificate is valid  
• The issuer/publisher of the certificate is Symantec, Entrust or DigiCert 

The example image is from a Google Chrome browser on desktop (to view the certificate’s details, click Certificate):

Please note that the padlock icon and its content may differ, depending on your browser.

Always check that the connection you’re using is encrypted and that you’re using the latest browser versions in order to ensure a secure and smooth use of services.

All OP eServices is protected with the HTTPS connection, which encrypts data sent across the network in such a way that no unauthorised party can see your confidential information. Supported browsers automatically use the TLS encryption that protects HTTPS traffic.

Also, take special care to ensure that the data security of the computers or other devices you use to access OP’s online services is up to date.

Read more about how to ensure data security here.

You can rest assured that when you ensure the data security of your device and keep your user identifiers safe, online transactions are secure.

Things to note when you use banking services

When you wish to use online banking and insurance services, the securest way to log into OP NetBank is by typing the opbank.lt address in the browser address bar. Do not go to OP eServices via any links that may appear in an SMS or email message.

Be watchful and alert if the service’s view is unusual or you are asked for key codes more often than once when you log in, for example. Please note that OP NetBank will never ask for more than one key code at a time.

Ensure your device's data security.

Make sure that the data security of the computers or other devices you use to access OP eServices is up to date. Check that your device has the following software and that you have updated it as instructed:

• firewall software
• antivirus software
• operating system
• latest internet browsing software versions

Do not use your identifiers with a device with malware symptoms. Whenever necessary, you must go to an expert who will disinfect it.

What is cybercrime all about and how can you identify fraud?

The internet has developed at a staggering pace during the last few decades. The Web offers a diverse range of services that make your life easier – and we as a bank want to offer our customers effective methods and channels for digital services.

As in the life on the whole, you can also, however, encounter criminal activity and fraudsters on the internet.

We at OP are developing our services so as to be as secure and safe as possible. However, also remember to protect yourself: act wisely on the internet and learn sound scepticism and the distinctive features of the common forms of fraud.

Many cybercriminals are very professional in their action. Phishing messages and fake websites may actually be created skilfully and look legitimate. Personal vigilance and knowledge of various fraudulent attempts help identify fraud and protect against them.

How can I identify a fraudster?

Cybercrime may mean, for example, various forms of attempted fraud: phishing personal data and bank user identifiers using phishing messages or on fake websites or, say, a romance scam where the fraudster tries to make the victim give money by pretending to be another person and appealing to the victim’s emotions. Alarm bells should be ringing if the person you have never met in person asks you for money, say, as a loan.

The bank or public authorities never ask you for your bank user identifiers or passwords through links or over the phone

Remember that the bank will never send you a link to any website that would require you to log in with your online user ID or give your card details.

The police or the bank will never contact you to ask you for your identifiers or passwords. Only criminals do so.

Read more about the various forms of fraud in our articles.

What if I nevertheless become a victim of fraud or cybercrime?

If you become a victim of cybercrime, remember that help is available. You have no reason to feel ashamed of what has happened but you should make every effort to take prompt measures to prevent the harm caused by the offence to you.

If the damage is already done and you suspect that you have disclosed your online bank user identifiers or card details to scammers, do as follows:

Contact our Customer Service immediately if the leaked information includes all or part of your online banking credentials.

You can reach Customer service during working hours by phone +370 5 2472075 or e-mail Lithuania.icm@opbank.lt

Report the offence to the police.