It is safer to invest money in the bank. But make sure to check on the current standing of the bank. Based from what happened in the past, banks who gives some really good offers for depositing in their banks are the ones who unexpectedly declared bank holidays and have never resumed business again. That was so sad for all the depositors and investors. On the other hand, online investment promises greater profits but those sites don't last long. They just eventually run with the investors money. So I would just repeat what I always read in the net, invest only what you can afford to lose, and if I may add also, if you don't trust the site, follow your instinct, don't invest.