Keep your PIN and OTP private
No staff member should ask for your PIN, OTP or password. Keep codes private and change them if you think someone saw them.
INGANJI SACCO RUBAVU
Use technology with care.
Protect your information.
Simple habits for protecting your PIN, OTP, phone and money when using digital channels.
FOUR SAFETY HABITS
Check before you click.
Safety starts with a small pause: ask, verify and wait before acting.
Verify the channel before paying
Use a phone number or email you have verified with the SACCO. Do not send money to a contact from an unexpected message without checking first.
Open messages carefully
Check the sender, wording and destination of a link. If a message creates fear or urgency, contact the SACCO through a verified channel first.
Report a concern promptly
If you shared a secret or notice an unusual payment, keep the message, stop the conversation and contact the relevant provider promptly.
RIGHT NOW
A suspicious message? Pause.
Do not click a link, share a code or send money. Keep evidence and contact the SACCO using its verified email.
A QUICK CHECKLIST
Three questions before an action.
01 · Who is asking?
Verify the name, number or email using information you found through a trusted source.
02 · What could I lose?
If an action asks for secrecy, money or urgency, take time to review it first.
03 · Who can I ask?
Use the email listed by BNR or a channel the SACCO has confirmed.
Further guidance
This page provides general preparation. For financial consumer rights and complaint steps, read BNR guidance and confirm the SACCO’s process.
BNR consumer rights booklet BNR register