Section outline

  • QR Codes, OTPs & Passwords – Safety First! 🔐📲

    Using digital money is super convenient, but staying safe is just as important. Many scams happen because we unknowingly scan a wrong QR code or share an OTP. But don’t worry — this section will help you become smart and scam-proof.

    • 🔹QR Codes – Scan Carefully 📸

      QR codes are an easy way to pay — just open your UPI app, scan the code, and enter the amount. But here’s what to keep in mind:

      • ✅ Use QR codes from verified shops or friends only
      • ❌ Don’t scan codes sent by unknown numbers or messages
      • ⚠️ A scam QR may actually send a “collect request” instead of receiving payment

      💡 If someone says, “Scan this to get money,” it’s usually fake. You only scan when you are paying!

    • 🔹 OTPs – One Time, Not Every Time 🔢

      OTP (One Time Password) is a secret code sent by your bank to approve a payment or login. It’s for your eyes only!

      • 🔐 Never tell anyone your OTP — not even bank staff
      • 📱 Don’t enter OTPs on suspicious websites or calls
      • 🛡️ If you receive an OTP without trying anything, someone else may be trying to access your account — alert your bank immediately

    • 🔹 Strong Passwords & PINs

      A strong password or UPI PIN is your first line of defense.

      • 🔢 Don’t use your date of birth or “1234” as PIN
      • 🔁 Change your PIN every 6–12 months
      • 👀 Don’t write your password in your phone gallery or notes

      🌼 Tip: Use a sentence or phrase you remember (like “Igo2Market@9”) instead of a simple word.

      🌸 Final Thought

      With just a little caution, you can enjoy all the benefits of digital banking without fear. Remember: your data is your power. Keep it safe. 💪🔏