Stay Safe from Phishing Links: Here's How to Protect Yourself

Phishing remains one of the most common cybercrimes in Indonesia. These scams are typically carried out by fraudsters pretending to be legitimate organizations—often financial institutions—to steal sensitive personal information and drain victims’ bank accounts.

To avoid becoming the next target, it’s crucial to understand how phishing works and take the right precautions. Here's how you can protect yourself from phishing links:

1. Never Click on Suspicious Links

Phishing attempts often start with a strange message sent via WhatsApp, SMS, or email. These messages usually include a link that leads to a fake website designed to mimic the look of a legitimate one.

Be cautious—even if the message comes from someone you know. Their account may have already been compromised.

Tips:

Carefully check the URL before clicking. Official websites typically use trusted and secure domains (look for https://).
Avoid clicking on links that urgently ask you to provide personal data or login information.

2. Know the Official Website of Your Bank

If you use digital banking services, it's important to know—and bookmark—the official website of your bank.

For Bank Muamalat customers, here are the legitimate websites you should only use for online banking:

Internet Banking: https://ib.muamalatbank.com
CMS: https://cms.muamalatbank.com
MADINA: https://madina.bankmuamalat.co.id

Always log in directly through these official URLs, not from links sent in messages or suspicious websites.

3. Update Your Password Regularly

Changing your password periodically is a simple yet effective way to secure your account.

Recommendations:

Change your password every 3–6 months.
Use a strong mix of uppercase and lowercase letters, numbers, and symbols.
Avoid using easily guessed information like your birth date or full name.

4. Keep Your Personal Information Private

Never share personal information carelessly, especially the following:

National ID number (NIK)
Family Card (KK)
Tax ID Number (NPWP)
Contact details
Home address

If someone claims to represent an institution and asks for these details, always verify through official communication channels. Don't hesitate to reject suspicious requests.

5. Never Share Your Financial Information with Others

Protect your banking information at all costs. This includes:

ATM/debit/credit card number
CVV and card expiration dat
ATM PIN
Mobile Banking passwords & TIN
OTP (One-Time Password)

Remember: Banks will never ask for this kind of sensitive information via phone, message, or random links.

Stay Alert and Protect Your Data

Phishing scams can target anyone, but you can stay safe by being cautious and smart about how you handle your personal and financial information. Always make sure you're accessing official websites and never fall for shady links or urgent-sounding messages.

If you experience any issues or suspect suspicious activity, reach out to Bank Muamalat through these official channels:

Customer Support:

Visit the nearest Bank Muamalat Branch
SalaMuamalat: 1500016 or +62 21 8066 8000 (for international calls)
Official WhatsApp: 081280651800
Email: salamuamalat@bankmuamalat.co.id
Website: bankmuamalat.co.id – via the Salma widget (bottom right corner)
Muamalat DIN: Digital Customer Service Feature

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