We have multiple teams at Intergiro dedicated to keeping your account, identity and personal data safe. Below are some of the things we are doing —and which you can be a part of— to ensure a safe financial environment.
We secure your identity
• Our modern on-boarding process is designed to meet all regulatory guidelines relating to the Know Your Customer (KYC) requirements. All documentation and data is protected and encrypted in our secure banking platform.
• Under the GDPR regulation, we store all personally identifiable information in secure and encrypted storage environments and we prohibit access to any third parties whom you have not consented to accessing your data.
• SCA - as part of the PSD2 (second Payment Services Directive) requirements for Strong Customer Authentication, we ensure a secure environment for processing and storing your username, password and access credentials.
• Mobile device enrolment. Your mobile device is an effective way to verify your identity. You are required to verify your mobile number and enrol your device prior to using it for identity and transaction authorisation.
We secure your money
• As an electronic money institution providing online payment services, we do not and cannot lend your money to third parties.
• Safeguarding practices protect your money. We are required by law to protect our clients' money by safeguarding it with a partner bank, segregated from Intergiro's own funds. When you receive or transfer-in funds we credit the equivalent value of e-money into your account and simultaneously place the received funds into ring-fenced accounts (separate from our own money) held with established global banks.
We secure your access
• SCA - we practice Strong Customer Authentication in granting users access to their accounts. This includes MFA (Multi-factor Authentication) on the Intergiro web Customer Portal and the Intergiro mobile app. During MFA you will be required to provide at least two of the following things: something only you could KNOW (e.g. PIN, password), something only you could OWN (e.g. card, phone), or something only you could BE (e.g. fingerprint, face).
• Fingerprint and face (biometric) identification — Intergiro offers you a more secure option to log into our mobile app using your fingerprint or face recognition.
• Zero Trust Security - Intergiro uses Zero Trust on all our platforms and networks. Zero Trust is a security concept that requires all users and devices to be continually authenticated, authorised, and validated when using resources and services within our environment.
We secure your transactions
• We use fraud detection technologies, data encryption and strong authentication solutions in our efforts to do all we reasonably can to prevent unauthorised or fraudulent use of your account, card and related services.
• Intergiro protects your payment transactions using SCA by providing a unique code uniquely generated for one transaction, linking the user with the transaction-specific information. This is known as dynamic linking.
• 3D Secure (3DS) — Intergiro cardholders are required to register for 3DS to enable secure online card payments. With 3DS, when you make certain online card payments, you will receive a mobile notification from Intergiro, asking you to enter a one-time verification code to complete the payment.
• IDCM. IDCM stands for Identity Check Mobile; it’s an app-based authentication solution that allows users to confirm their online card payments with biometrics.
We secure your cards
• The Intergiro Anti-fraud System — we use this system to get real-time alerts of fraudulent activity, resulting in quick action and early preventative measures on suspected fraud transactions.
• Intergiro is a Certified Level 1 PCI DSS Service Provider - this means that our systems and networks have been audited and assessed by a PCI approved Qualified Security Assessor (QSA). Maintaining this certification ensures that your card details and transactions are secure.
• Virtual cards — this product provides a more secure method of making e-commerce transactions. A virtual card cannot be stolen. Your card number is safely stored within our encrypted cardholder data environment, only accessible on one of your devices through MFA.
How you can protect yourself
• Make sure that you have the most recent version of the Intergiro app installed to take advantage of the latest payment and security features available.
• No security system is perfect all of the time, which is why it’s important for everyone —that means you, and all of us at Intergiro— to remain vigilant in order to keep each other protected.