Getting Started
 
 
About “ING NetProtect”
 
What system setup do I need in order to use ING Vysya Net Banking with “ING NetProtect”?
 

Please click here to check if your system is configured according to “ING NetProtect” requirements.

How do I activate JavaScript in my browser?
 
For Internet Explorer - IE 6 and above:

  1. Go to Tools menu and click on “Internet Options”. A dialog box will open.



  2. Select Security tab. In this tab select “Internet Zone”.



  3. If you want to enable JavaScript using Custom level settings then skip to step 4, otherwise in “Security level for this zone” section, click “Default level”, JavaScript will be enabled automatically. Click OK and skip further steps.
  4. Click on “Custom Level”. A dialog will appear.
  5. In dialog scroll to find Scripting - Active Scripting. There select Enable radio button. Click OK. Again click OK on the main window.



For Firefox 3 and above:

  1. If you can't see Tools menu or Menu Bar, select Options dialog as below.



  2. If you can see Tools menu, click on it and select Options. A dialog will appear.



  3. Go to Content tab. There check the “Enable JavaScript” check box. Click OK.



What should be my default IE security settings for ING Vysya Net banking to work?
 
For Internet Explorer 6: Medium Security level as shown below works.



For IE 7 and above: Medium-High Security level as shown below works.



How do I enable Java in my browser?
 
To enable Java in your browser, follow these below steps based on your browser and its version: Please click here to check for your browser versions and to check if your system is configured according to “ING NetProtect” requirements.

For Internet Explorer - IE 6, 7, 8:

  1. In Internet Explorer, on the 'Tools' menu, click 'Internet Options'.
  2. On the 'Privacy' tab, ensure that the slider is at the ‘Medium’ security level.
  3. Click the 'Advanced' tab. Scroll down. Ensure that either of the following is checked: Under Java (Sun), 'Use JRE... ‹ applet › (requires restart)'.
  4. Click 'OK' button to exit the dialogue box.



For Internet Explorer - IE 9:

  1. In Internet Explorer, on the 'Tools' menu, click 'Manage add-ons'.



  2. As shown on screen below, scroll to find Java, select it and click “Enable” button on bottom right of dialog box(if not enabled).



For Mozilla Firefox 3.0:

  1. In Firefox, on the 'Tools' menu, click 'Options'
  2. Click on 'Content' tab and ensure that 'Enable Java' is checked.
  3. Click 'OK' button to exist the dialogue box



For Mozilla Firefox 3.6 and above:

  1. If tool menu is not visible then use following figure to go to add-ons window.



  2. If you can see Tools in menu bar then click on Tools ? Add-ons



  3. Select plugins from left side options and scroll to find Java in Right Panel. Enable Java by clicking enable button.



Why must my browser be Java-enabled?
 

“ING NetProtect” uses an applet for enhancing ING Vysya Net banking security. You will be able to login only if your browser is Java-enabled with the recommended JRE (Java Runtime Environment) to allow the applet to run. Please click here to check if your system is configured according to “ING NetProtect” requirements.

What should I do to install Java in my browser?
 

Please follow the steps below to install the latest version of JRE.

  1. Go to www.java.com/getjava.
  2. Click "Free Java Download". The site will detect your browser/operating system and present a compatible Java program for download and installation.



  3. Click "Installation Instructions" if you require a step-by-step installation guide.
  4. To download the software, click "Free Java Download" and the installation process will start to run.



  5. Once installation is completed, pls verify by clicking on “Check System Configuration”, if java is installed correctly.
  6. Restart the browser and login to ING Vysya Net Banking website.
How can I tell if a web page is secured?
 

The general indications of a secured web page are as below:

Check the web page URL. Normally, when browsing the web, the URLs (web page addresses) begin with the letters "http". However, over a secure connection the address displayed should begin with "https" - note the "s" at the end.

Try it! - Visit our home page (http://www.ingvysyabank.com). Note the URL begins with the "http" meaning this page is not secure. Click the link in the upper-left hand corner to "Log in". Notice the change in the URL? It now begins with "https", meaning the user name and password typed in will be encrypted before sent to our server.

How is my information transmitted safely over the Internet?
 

Web browsers use standard security protocols like SSL, and S-HTTP to enable private information to be transmitted safely over the Internet. When you visit a Web site with the SSL protocol implemented, a secure connection is created between your computer and the Web site server you are visiting. Once this connection is established, you can transmit any amount of information to the Web server safely. In contrast, the S-HTTP is designed to transmit individual messages.

What is 128-bit Secure Socket Layer?
 

SSL stands for "Secure Socket Layer". It is a protocol designed to enable applications to transmit information back and forth securely. Applications that use this protocol inherently know how to share encryption keys with other applications, as well as how to encrypt and decrypt data. SSL has been universally accepted on the World Wide Web for authenticated and encrypted communication between the customer's computer and servers.

Some applications that are configured to run SSL include web browsers like Internet Explorer and Netscape, email programs like GroupWise, Outlook, and Outlook Express, FTP (file transfer protocol) programs, etc. These programs are automatically able to receive SSL connections.

What is the difference between 40-bit encryption and 128-bit encryption?
 

40-bit and 128-bit refer to the size of the key used to encrypt information. To use the lock and key analogy, the greater the number of keys, the more difficult it is to find the correct key to fit into the lock that protects the information. Therefore, the larger the size of the encryption level, the more difficult it is to find the right key to unlock the information.

How do I know if I have 128-bit SSL encryption?
 
For Internet Explorer browser

  1. In Internet Explorer, click on Help and select About Internet Explorer.
  2. The window that pops up should say Cipher strength: 128-bit or above.
  3. If it does not say this, then you do not have a browser with 128 bit encryption. .

All versions of Mozilla Firefox support 128-bit encryption.

What is a Digital Certificate and how does it help to ensure security?
 

Digital certificates are issued by certification authorities CA to authenticate a Web site or elements of Web sites. The certificate identifies the originator of the site, or element, and verifies that it has not been tampered with. When your Web browser is presented with a certificate, it will check to see if a legitimate certification authority issued the certificate. If there is a match, your session will continue. Otherwise, your browser will issue a warning and your safest action is to cancel your activity.

Can other people view my personal information when I am using the Internet?
 

If a secure session is established and the information is encrypted during transmission, then others will not be able to view your information. However, you should be aware that some Web browsers will store information on your computer even after you are finished with your online activities, this is called caching. So it is highly recommended that after visiting any secure site to conduct financial transactions like balance query, online trading etc. you must close your browser. & delete the cached files

How do I clear my browser disk cache?
 

To clear your browser disk cache, just follow these steps based on your browser version:

Please click here to check for your browser versions and to check if your system is configured according to “ING NetProtect” requirements.

For IE 5.0 and higher:

  1. Select 'Tools' from the Menu Bar.
  2. Select 'Internet Options'.
  3. Select 'General' tab.
  4. Click the 'Delete Files' or Delete button under Temporary Internet files.
  5. Click 'OK' to exit the dialogue box.

For Firefox 3.0 and above:

  1. If Tools menu is not visible go to clear history option as show in below figure.



  2. If Tools menu is visible go to clear history option as shown in following figure.



  3. Check mark cache as shown in following figure (slight different in FF 3.0) and press “Clear Now” or “Clear Private Data Now” button.



What additional steps can I take to make my net banking experience much more secure?
 

While the Bank has taken steps to keep your account information secure, you, as a registered user, also play an important role in maintaining the security of your account information.

  1. Keep your Corporate ID, User ID and Password confidential. Memorise them and NEVER write them anywhere or reveal them to anyone. Please note that no staff member of ING Vysya should ever ask you for the same for whatever reasons. Please contact our customer care for any concerns towards the same.
  2. You should also change your Password from time to time, say every month, using the 'Change Password' feature available on ING Vysya Net Banking
  3. Before you exit from ING Vysya Net Banking, always clear your browser's disk cache, especially if you are accessing your account from public device(s). This will prevent your account information trail being left in these devices. Please refer FAQ “How do I clear my browser disk cache” for the same.
  4. Turn off the AutoComplete feature in your browser. AutoComplete not only makes it easier for you to automatically fill in forms and logon to secure sites - it also makes it easier for Trojans and hackers to gain access to your personal data and logon credentials. Please refer FAQ “How to turn off AutoComplete feature in my browser” for the same.
  5. You should always log out of ING Vysya Net Banking before moving on to other websites.
  6. Install an effective personal firewall on your PC together with anti-virus and anti-malware software to safeguard your PC from viruses and malicious software. Viruses and malicious software may damage/copy and/or destroy your personal data if undetected.
  7. Always ensure your PC is updated with latest anti-virus, anti-malware and operating system patches.
  8. Review credit card & bank statements regularly and report any irregularities to the bank.
  9. You report any suspicious or fraudulent e-mail/sites to the bank immediately.
  10. Always read the online security tips provided by the bank from time to time
What additional steps can I take to make my net banking experience much more secure?
 

To turn off auto complete, just follow these steps based on your browser version:

Please click here to check for your browser versions and to check if your system is configured according to “ING NetProtect” requirements.

For IE 6 and above:

  1. Go to Tools menu and click on “Internet Options”. A dialog box will open.



  2. Now select Content tab. From there go for AutoComplete section. And click Settings button there.



  3. A dialog box pops up. Uncheck the “Forms”, “User names and passwords on forms” options. Click OK, dialog will close. Again click OK in Internet Option dialog, dialog will disappear.



For Firefox 3.0:

  1. Go to Tools menu and click on Options. A dialog will appear.



  2. Go to Privacy tab. There uncheck option where it says “Remember what I enter in forms and the search bar” and check the option “Always clear my private data when I close firefox” and click OK.



For Firefox 3.6 and above:

  1. If you cannot see Tools menu or Menu Bar, open Options dialog as below.



  2. If you can see Tools menu, click on it and select Options. A dialog will appear.



  3. In the Options dialog select Privacy tab. There click on drop down options with label “Firefox will” and select “Custom setting for History” option. (as shown in figure below)



  4. Uncheck the “Remember search and form history” option and click OK.
  5. In the Options dialog select Security tab. Under “Passwords”, uncheck “Remember passwords for sites”. Click OK to save and exit.



What is a firewall and how does it protect my information?
 

Firewall is a security system designed to prevent unauthorized access to or from a private network to public network Firewalls are frequently used to prevent unauthorized Internet users from accessing private networks connected to the Internet, especially intranets. All messages entering or leaving the intranet pass through the firewall & are verified.

What is a Personal Firewall?
 

Personal firewalls serve two basic functions. They protect your system from unsolicited scans coming from the Internet and usually offer outbound controls as well. An inbound scan will look for and block any uninvited commands, instructions, software or messages from entering your system, while outbound controls will look for and block unfamiliar software (like viruses and Trojan horses) from trying to send out messages from your computer.

What is an Anti-Virus & Anti-Malware Software?
 

Anti-virus and anti-malware software commonly hooks deep into the operating system's core or kernel functions in a manner similar to how malware itself would attempt to operate, though with the user's informed permission for protecting the system. Any time the operating system does something, the anti-malware software checks that the OS is doing an approved task. The goal is to preempt any operations the malware may attempt on the system, including activities which might exploit bugs or trigger unexpected operating system behavior.

What is a worm?
 

A computer worm is a self-replicating computer program, similar to a computer virus. A virus attaches itself to, and becomes part of another executable program. However, a worm is self-contained & uses a network to send copies of itself to other systems and it does so without any intervention. In general, worms harm the network and consume bandwidth & make network slow, whereas viruses infect or corrupt files on a targeted computer. Viruses generally do not affect network performance, as their malicious activities are mostly confined within the target computer itself.

What should I do if my browser - Internet Explorer/Mozilla Firefox frequently hangs?
 

If you encounter problems while accessing net Banking using Internet Explorer/Mozilla Firefox, you may need to upgrade your browser or update it with the most recent fixes from the vendor to keep it running smoothly. Keeping your browser updated is also likely to protect your computer better as the latest fixes and patches will also address known security vulnerabilities and weaknesses.

I am experiencing slow response when accessing ING VYSYA Net Banking. What is wrong?
 

The slow response you are experiencing could be due to the following:

  1. You are not using the recommended browser, operating system and hardware.
  2. Your Internet Service Provider, Local Area Network or our system is facing intermittent slowness.
There is a 'Java Script Error' on my computer. What should I do?
 

This usually happens when a transaction is attempted before the Java applet is completely loaded into your PC. To reload the applet, click on the toolbar, re-select the transaction and wait for the loading to be completed before you proceed. If this does not help, please try clearing the browser's cache before you log in again.

What should I do if I see 'This program has performed an illegal operation' on my PC?
 

This is commonly known as GPF (General Protection Fault). You'll have to restart your browser. If the problem persists, please consult your PC vendor.

What is phishing?
 

Phishing is a form of online Identity Theft that uses spoofed emails, fraudulent websites and crime ware of various types to trick consumers to divulging personal financial data such as credit card numbers and passwords, etc. There are two types of phishing attacks:

  1. E-mail-based Phishing attacks: Where many millions of e-mails are distributed randomly, the e-mail typically includes a hyperlink using a URL, which is often codified so that the destination is not apparent to the user. Once the user has clicked on the hyperlink they are taken to a spoofed Web page, which is often a direct copy of a bank's own authentication Web page, and asked to login. The ID information collected is then stored for collection by the criminals.
  2. Trojan-based Phishing attacks: Where a piece of Trojan software is loaded onto a user's computer by exploiting vulnerability in the operating or browser software. This Trojan software can have many capabilities but typically it identifies when the user attaches to a target bank Web site and then either logs the subsequent keys or takes a screen image. This information is then e-mailed to the criminals.
Are email transmissions secured?
 

Email sent over the Internet is generally not secure unless it is encrypted. In reality, most email programs currently do not have this capability. To send us an email securely, we recommend that you do so by using the secure email function provided by some online services like Online Banking.

How can I recognize a scam/spam e-mail
 

Without using additional measures such as a digital signature, it is easy for fraudsters to imitate e-mails. But that doesn't mean you can't recognize scam/spam e-mails. Cyber-criminals often place alarming, enticing or exciting subjects in their e-mails with the hope of tempting you to respond impulsively and divulge the requested information. So, always take your time to read the e-mail carefully. In case of doubt, it is better not to respond. If you do choose to respond, always first check that the mail is genuine by contacting the company that is the apparent sender by telephone, for instance.

Can I use a Laptop to access ING VYSYA Bank Net Banking?
 

Yes, as long as the notebook/laptop meets the recommended system requirement.

What is “ING NetProtect”?
 

“ING NetProtect” provides stronger layered online security for your net banking transactions which will enable you to enjoy the convenience of net banking with enhanced security. Just follow the below mentioned steps to register for “ING NetProtect”, and ensure your transactions are safe and secure.

  • Step1: Register your personal ‘ING Welcome Phrase’.
  • Step2: Register your ‘Security Question(s)’.
  • Step3: Help us remember your regular Device(s) [say home PC, office PC etc].

Please click here to know more about “ING NetProtect”.

What will be the changes to my Login Process due to “ING NetProtect”
 

Your Login will be a two-step process. After “ING NetProtect” is introduced, during your very first login as part of “ING NetProtect” registration, you will be taken through the 3 steps as mentioned above. Please also note the below changed login process after you complete “ING NetProtect” registration:


If you sign-in from a device that we recognize If you sign-in from a device that we do not recognize
1. Enter your Corporate ID and the User ID. 1. Enter your Corporate ID and User ID
2. Verify that your ‘ING Welcome Phrase’ is correct. 2. Correctly answer 'Security Question(s).
3. Enter your Password. 3. Verify that your ‘ING Welcome Phrase’ is correct.
4. Enter your Password

Please click here to know more about “ING NetProtect”.

What should I do when a security window would pop-up asking you if you trust the ROApplet program?
 
  1. When security window would pop-up, check if the publisher name is “ING Vysya Bank Ltd.”. Keep the “Always trust content from this publisher” option checked and then click on “Run”. This one time confirmation is required for login from any new device.



  2. Click on “More Information” to verify if this applet has been registered with correct certificate on your desktop/laptop.



  3. Click on “Certificate Details” in the above dialog, then below screen will appear.




    Confirm that certificate is from ING Vysya Bank as shown in the screenshot above.

Alternatively to view this certificate, Go to “Control Panel” -> Select Java -> Click on Security Tab in the “Java Control Panel” window -> Click on “Certificates” button. Then select the “User” tab and select the ING Vysya bank certificate -> Click on “Details” button to view more details. It will display the same screen as above.

How to refresh the Applet for a new release from this publisher?
 

In case of any new release from this publisher (ING Vysya Bank), you need to delete the previous Applet/certificate details by following below mentioned steps:

  1. Click on ‘Control Panel’.
  2. Select ‘Java’.
  3. Click on the 'General’ tab.
  4. Under 'General’ tab select ‘Settings’ button which in under ‘Temporary Internet Files’ section.
  5. Now click on ‘Delete Files’ button of the newly opened dialogue box.
  6. Click 'OK' to exit the dialogue box.
  7. After this, system will again prompt you with security window and you need to again select the box for “Always trust content from this publisher” and then click on “Run” to be benefited with new features of this publisher.
I connect to internet through a proxy and am not able to login to my net banking.
 

Start the Java Plug-in Control Panel by following these below instructions:

  • Click the Start menu
  • Select Settings
  • Select Control Panel
  • Double click the Java icon
  • Click on the Network Settings button.



  • Select the Use Browser Settings checkbox.
  • Click the OK button to save your changes.



  • Close all browser windows. Restart the browser and try to load the applet.
  • If the applet still does not load and you see the same connection error, try to configure your web browser's proxy settings.
How will ‘ING Welcome Phrase’ help me?
 

It helps you know it is really us – ING Vysya Bank. When you see your personalized ‘ING Welcome Phrase’ after entering your Corporate ID & User ID on the login page, you can be sure that you are on ING Vysya Bank’s net banking website and not on a fraudulent or phishing site. It is safe to enter your password after you confirm that it is the same ‘ING Welcome Phrase’ as entered by you during “ING NetProtect” registration.

How do I change my ‘ING Welcome Phrase’ in future?
 

The process of changing your ‘ING Welcome Phrase’ is easy. Please follow the below mentioned steps:

  • Step 1: Login to ING Vysya net banking by entering your “Corporate ID”, “User ID” and “Password” from a remembered device.
  • Step 2: On the next page click on “Preferences” from your left menu.
  • Step 3: Under “Preferences” please select “Personal Preferences” tab.
  • Step 4: Now from the drop down you select “Update Security Details” tab.
  • Step 5: Under “Update Security Details” tab, please click on “Update ING Welcome Phrase” tab.
  • Step 6: Now in the next page you can create your new ‘ING Welcome Phrase’ and click on “Continue”.
  • Step 7: In the next page system will ask you to enter OTAC which will be sent to your registered mobile.
  • Step 8: Once you enter your OTAC system will successfully register your new ‘ING Welcome Phrase’.
How will ‘ING Security Questions’ help me?
 

‘ING Security Questions’ will be subsequently used to step-up authentication as an additional layer of security. For example, this is used to verify if it is really you, whenever there is a Login from a new device which we do not recognize. These questions are devised such that you only will have the answers to the same. Your answers will be kept confidential by the Bank as per our privacy policy.

How many security questions should I select and answer?
 

You have to select and answer five security questions only, for which you know answers to.

How do I change my ‘ING Security Questions’ in future?
 

The process of changing your ‘ING Security Questions’ is easy. Please follow the below mentioned steps:

  • Step 1: Login to ING Vysya net banking by entering your “Corporate ID”, “User ID” and “Password” from a remembered device.
  • Step 2: On the next page click on “Preferences” from your left menu.
  • Step 3: Under “Preferences” please select “Personal Preferences” tab.
  • Step 4: Now from the drop down you select “Update Security Details” tab.
  • Step 5: Under “Update Security Details” tab, please click on “Update ING Security Questions” tab.
  • Step 6: Now in the next page you can select and answer your new ‘ING Security Questions’ and click on “Continue”.
  • Step 7: In the next page system will ask you to enter OTAC which will be sent to your registered mobile.
  • Step 8: Once you enter your OTAC system will successfully register your new ‘ING Security Questions’.
How do I remove my remembered devices?
 

The process of removing your remembered device(s) is easy. Please follow the below mentioned steps:

  • Step 1: Login to ING Vysya net banking by entering your “Corporate ID”, “User ID” and “Password” from a remembered device.
  • Step 2: On the next page click on “Preferences” from your left menu.
  • Step 3: Under “Preferences” please select “Personal Preferences” tab.
  • Step 4: Now from the drop down you select “Update Security Details” tab.
  • Step 5: Under “Update Security Details” tab, please click on “Remove Device(s)” tab
  • Step 6: Now in the next page system will show you the list of devices you have remembered.
  • Step 7: You need to select the device name which you want to remove and click on “Continue”.
Is “ING NetProtect” provided free of cost?
 

Yes, at the moment, “ING NetProtect” is a free of cost service to all the ING Vysya Business Internet Banking registered customers.