Risks of Connecting to Public Wi‑Fi: Theft of Banking and Personal Data

What is Public Wi-Fi and Its Risks 

Public Wi-Fi has become an important part of everyday life, providing internet access in cafes, airports, shopping centers, and other public places. However, despite its convenience, using open Wi-Fi networks comes with a number of risks, especially for the security of financial data. Unlike secured networks, public Wi-Fi does not always have the proper level of protection, making it vulnerable to attacks by fraudsters.

Public networks usually do not encrypt data or use weak protection methods, allowing attackers to easily intercept information transmitted through such communication channels. Fraudsters can exploit these vulnerabilities to steal important data, including bank card information and other personal details.

Risks of Using Public Wi-Fi for Data Theft 

One of the main dangers when connecting to public Wi-Fi is the possibility of data theft. Particularly at risk are:

1. Banking data — information about card numbers, expiration dates, and CVV codes can be intercepted when using an unencrypted connection.
2. Logins and passwords — fraudsters can gain access to your personal accounts, including online banking, if the data is transmitted without reliable protection.
3. Personal data — information about your name, address, phone number, and other personal data can be used for further fraudulent actions.
4. Browsing history and cookies — even if you visit secure sites, your data can be logged and used for phishing.

Thus, open networks pose a threat to financial security if protective measures are not applied when using them.

Protection Measures When Using Public Wi-Fi 

There are several ways to protect yourself from fraudsters when using public networks. It is important to take these steps to reduce risks:

• Use of VPN. Virtual private network software encrypts traffic, significantly enhancing security during data transmission. By enabling a VPN, you can protect information from interception.
• Avoid internet banking in open networks. It is better to refrain from performing financial transactions in public Wi-Fi networks, such as money transfers, payments for goods and services, as this increases the risk of data leakage.
• Check network connections. You should only connect to verified and secure access points. Pay attention to the network name to avoid fake points created by fraudsters to intercept data.
• Disabling sharing. It is important to disable file and device sharing features in settings when using public Wi-Fi. This will help prevent access to your device by other users.
• Update software. Regular updates to systems and applications help fix vulnerabilities that could be exploited by attackers to attack your device.
• Use two-factor authentication. Setting up an additional level of protection for your accounts, such as a code sent to your phone, significantly increases security.

What to Do If Your Data Is Stolen Through Public Wi-Fi 

If you suspect that your data was stolen while using a public network, it is important to immediately take the following actions:

1. Check card statements. Immediately check bank card and account statements for unauthorized transactions. If you notice suspicious transactions, report them to the bank.
2. Change passwords. Immediately update passwords for all your accounts, especially those that may contain financial information, such as online banking.
3. Check devices for viruses. Run a virus and malware scan that may have been installed on your computer or mobile device.
4. Inform the bank. Contact your bank to block the card and prevent possible fraudulent operations.
5. Be cautious with phishing messages. Fraudsters may attempt to obtain your data through fake emails pretending to be official institutions. Do not open suspicious links or provide personal information at the request of strangers.

Conclusion 

Public Wi-Fi networks can be a convenient way to stay connected in public places, but they also represent a serious threat to the security of your data. Implementing simple security measures, such as using a VPN, refraining from online banking in open networks, and regularly checking your device, will help protect your data from fraudsters. Be cautious when connecting to public networks and always ensure that your information is protected.