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2 mins Read | 3 Years Ago

Smart Ways to Store Your Banking Passwords Safely


In recent times, both internet and personal banking have caught on quite rapidly, with many people opting to bank online or over the phone. Since your bank accounts are the gateways to your finances, it is extremely important to keep them safe from unauthorised access. Considering this, it would be a good idea to closely guard the net banking credentials of your Savings Account. If these credentials fall into the wrong hands, they may be misused to access your account and to conduct unauthorised transactions therein.

Your banking passwords can be difficult since you might tend to forget them. This is especially true if you have multiple bank accounts in your possession. This is why it may be necessary to store your credentials elsewhere. But how do you store your passwords safely without any unauthorised people accessing them?

Here are some smart ways that you can adopt to keep your passwords safe and secure.

Store Them in Your Smartphone

One way to store and keep track of the credentials of your Savings Account is to keep them in your smartphone. However, ensure that you password-protect your phone to prevent others from accessing your confidential banking information. If you possess a smartphone with a fingerprint sensor, you could also use the fingerprint authentication mechanism to protect your passwords. This way, you not only keep them secure, but also have them conveniently on hand at all times.

Store Them on Your Computer

Alternatively, you could also store the passwords of all your bank accounts in a document and store them safely on your computer. When storing your credentials in this manner, it would be a good idea to simultaneously enable password-protection for your computer. This way, you can ensure that access to the data is limited to you alone.

If you’re still worried about the safety of your passwords, you could also add another layer of security by encrypting the entire document using a dedicated encryption software. The software enables only the person holding the password to decrypt the information contained within the document. This prevents hackers, malware and viruses from stealing the data from your computer, thereby reinforcing the security.

Use a Dedicated Password Manager

Password managers are essentially dedicated software that can help you store and manage various login credentials of your Savings Account. The data that you store in the software is automatically encrypted, ensuring that no one else can gain access to your confidential financial information.

Password managers are usually compatible and work on both computers and smartphones, running on a wide-variety of operating systems, thereby allowing you to access the information from wherever you are. Another major advantage of using password managers is that they allow you to autofill a password field using just a single click. This completely eliminates the need to manually enter the password, making them a convenient option to have around.

Store Them on the Cloud

Another convenient way to keep the passwords of your bank accounts secure is to store them on the cloud. There are many types of cloud storage platforms, each with varying degrees of security, with most of them being free to use. By storing your confidential banking information on the cloud, you get to enjoy three main advantages:

  • Firstly, since the data is on the cloud, you can access it from anywhere, at any time and from any device.
  • Secondly, you would only have to remember a single master password to access your cloud storage platform. This allows you to keep your mind free from having to remember tonnes of different login passwords.
  • Lastly, since the data is not stored anywhere on your computer or your phone, hackers, malware or viruses can never gain access to your information.


Always remember that your banking passwords are extremely confidential information and they shouldn’t be shared with anyone else, including your bank’s personal banking unit.




The contents of this document are meant merely for information purposes. The information contained herein is subject to updation, completion, revision, verification and amendment and the same may change materially. The information provided herein is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would (by reason of that person‘s nationality, residence or otherwise) be contrary to law or regulation or would subject lClCl Bank or its affiliates to any licensing or registration requirements. This document is not an offer, invitation or solicitation of any kind to buy or sell any security and is not intended to create any rights or obligations. Nothing in this document is intended to constitute legal, tax, securities or investment advice, or opinion regarding the appropriateness of any investment, or a solicitation for any product or service. Please obtain professional legal, tax and other investment advice before making any investment. Any investment decisions that may be made by you shall be at your sole discretion, independent analysis and at your own evaluation of the risks involved. The use of any information set out in this document is entirely at the recipient's own risk. The information set out in this document has been prepared by ICICI Bank based upon projections which have been determined in good faith by lClCl Bank and from sources deemed reliable. There can be no assurance that such projections will prove to be accurate. lClCl Bank does not accept any responsibility for any errors whether caused by negligence or otherwise or for any loss or damage incurred by anyone in reliance on anything set out in this document. The information set out in this document has been prepared by ICICI Bank based upon projections which have been determined in good faith and sources considered reliable by lClCl Bank. In preparing this document we have relied upon and assumed, without independent verification, the accuracy and completeness of all information available from public sources or which was provided to us or which was otherwise reviewed by us. Past performance cannot be a guide to future performance. 'lClCl ' and the 'I-man' logo are the trademarks and property of lCICl Bank. Misuse of any intellectual property, or any other content displayed herein is strictly prohibited.

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