Minimum Payment Due is calculated as 5% of the current balance on the Statement of Account, plus, if applicable
A late payment fee is charged to you in the following scenarios
Yes, Cap is ê 175 monthly per Card allocated as follows:
To reset your PIN send an SMS to 6440 with the following information:
An attempt to steal your personal information to use for illegal activities such as opening bank account, etc.. by fraudsters is Identity Theft. They get access to these details by intercepting personal information shared on the internet.
If somebody tries to access your financial information via email by pretending to be a trustworthy person – this is known as Phishing. They may show that they are writing from your bank and give certain links asking you to ‘verify your account’ or ‘confirming your billing information’
Do not Click or Open attachments from any unknown person, company or any suspicious emails.
If you receive any email or written letter appears to have been sent from Royal Gulf Investment & Finance Company seeking your company details or confidential information, should not be answered but advised immediately to Royal Gulf Investment & Finance Company by calling +000000 or email to info@info.com
Royal Gulf Investment & Finance Company will never request you to disclose your
account number, User ID, Personal Identification Number (PIN), Password or any
such information through emails.
Please follow below tips to avoid becoming a victim of a phishing scam while
using Royal Gulf Investment & Finance Company online services :
We’re committed to protecting your privacy and safeguarding your financial information.
Sensitive information about your company can be mis-used by online hackers. Keep it safe from them and protect your privacy.
You can do this by clearing your history after every browsing session.
Royal Gulf Investment & Finance Company continually invests in and implements the
most advanced security measures to ensure all your online banking transactions
with us are safe and confidential.
Some of the security features we use to safeguard your communications with Royal
Gulf Investment & Finance Company Online Banking are:
• Robust firewall intrusion detection and prevention technologies to prevent
unauthorised access to the Bank’s systems.
• A time-out limit that automatically logs you off the system and ends your
session. Please remember to log off completely from Online Banking if you’re not
using your computer for a period of time.
Online security is about protecting your privacy, not just while banking but
across the internet. Follow these basic tips to stay secure while online:
•Always be suspicious of unsolicited emails or calls asking you to disclose any
personal details or card numbers. Please remember that Royal Gulf Investment &
Finance Company would never directly ask you to disclose your PIN or password
information.
• Ensure that you use up-to-date antivirus software and a personal
firewall.
• Ensure that the online banking address has https:// and a secure lock icon
appears at the right bottom corner of the page or next to the address in the top
of the webpage.
• Do not use the “Save Password” option on your computer and change your
passwords frequently.
• Always completely log off from your internet banking session.
• Do not save the internet banking webpage link or bookmark in browser
favourites.
• Do not leave your computer unlocked.
The time-out function prevents unauthorised persons from accessing your session and data when you're away from the computer.
It happens in a step by step procedure:
Step 1 : Fraudsters gather customer's personal information.
Step 2 : They then approach the mobile operator and get the SIM blocked. After
this they visit the mobile operator's retail outlet with the fake ID proof,
posing as the customer. Step 3 : The mobile operator deactivates the genuine SIM
card and issues a new one to the fraudster.
Step 4 : Fraudster then generates One Time Password (OTP) required to facilitate
transaction, using the stolen banking information. This OTP is received on the
new SIM held by the fraudster.
Follow below tips to stay secure while using your mobile:
• Lock your phone when not in use. Password-protect your device so that nobody
else can use it or view the information.
• Call us on +000000, if you have lost your phone and we will disable your
mobile banking user ID and password temporarily. In case you have changed your
mobile phone number, please let us know and we will update your contact
details.
• Clear mobile frequently by deleting text messages from financial institutions,
especially before sharing, discarding or selling your device.
• Never disclose via text message any personal information (account numbers,
passwords, or other personal information) that could be used for ID theft.
• Always download apps from trusted sources.
• Keep your phone's Operating System (OS) and apps updated.
• Do not store passwords or accounts numbers on your mobile phone.
• Limit the amount of personal details or contact information that you store in
your phone, as criminals may be able to retrieve them if you happen to lose your
phone.
• Make a note of your phone's IMEI number (dial *#06# to get it). This makes it
easier to disable a stolen phone.
• For iPhone users, never jail-break or crack the device. Activate encrypted
backup in iTunes, and turn on the passcode lock for the phone.
• For Android users, never root or crack the device.
• Never use any proxy or VPN software paid/free while accessing your mobile
banking and online banking.
Royal Gulf Investment & Finance Company Mobile Banking Apps use various security
measures and data encryption to ensure your day to day banking is completely
safe with a User ID/Password/Biometrics. Some of these security measures
are:
• Multifactor authentication.
• Login using biometrics
• The ability to control your beneficiaries by adding or removing internal and
external payments.
