Each banking session you initiate has a distinct, randomly generated encryption code. This means a hacker only has the time of a banking session itself to break the code and corrupt data. For the sake of comparison, a 40-bit code has been reported to take a network of 250 computers three and a half days to break. As a final additional protection for their customers, some banks limit the liability of customers for unauthorised use of access codes. However this is not the case for all banks.
Some banks do hold customers liable for all losses caused by unauthorised access.
You should check the terms, conditions and liability protection offered by your bank for online transactions. It should be noted that while it is extremely unlikely for your personal information and funds to be compromised, it is technically possible. Be certain to contact your bank for further information. You can contribute to the security of your own trading environment by only running trusted computer programs and ensuring that your anti-virus software is updated and running at all times. The expanded Code will cover such issues as privacy, liability for unauthorised transactions, disclosure and dispute resolution.