Mobile Banking: How secure is the Smartphone Apps
Mobile Banking is becoming more popular: About a third of the German makes money transactions from the iPhone or Android from - and the trend is rising. In the process, they access it via the Browser, but with Apps on your account.
- Of the Sparkasse, the Volksbank-Raiffeisenbank to the ING-DiBa offer a number of credit institutions Banking Apps exclusively for their customers.
- If you Bank your own Smartphone Apps to access your account, you are usually even safer on the road as when you Login via the Browser: you can neither false Internet addresses to fall by a typo on a dangerous Phishing page appears.
- Most of the Banking Apps use also high safety and security standards. So you need, in many cases, in addition to your PIN, even an individual Master password that you must enter before each App-call. In addition, all transactions with 256-Bit secured encryption - a procedure that is today considered to be unbreakable.
- The best Apps for Mobile Banking, we have in a gallery for you. Also , Stiftung Warentest has the banking Apps tested.
Commerzbank App in the on-CHIP Test
Safe TAN procedure for Mobile Banking, these opportunities are
Who's Online-Banking operates, can his Tan - short combinations of numbers on the transaction confirmation message with the mTAN procedure as SMS send. With Mobile Banking, we recommend that you strictly of which: If you receive your TANs on the same device with which you want to make Transfers, hackers have an easy game. The following TAN procedure to offer more mobile money transactions:
- In the case of the Push-TAN , the transaction confirmation number in a separate App to request a further password protect must. While that is comfortable, however here again all the data on the Smartphone. Once a Virus is on your device crept in, it may be that he reads both the Banking as well as the TAN App.
- The Photo-TAN offers more safety: Here is prior to the Referral, a cryptic image generated with a Smartphone or Tablet capture must. A special App and reads from the graph then the TAN. This procedure is much more complicated - after all, you need to have for Bank transactions on the go, always two devices.
- The Chip-TAN procedure is the safest option for Mobile Banking: With the help of your Bank card and an additional card reader for each transaction, unique TAN-Codes created. The small TAN-Generator is, in fact, not hacking, however, you need to buy these in the majority of cases extra.
Chip-Tan Generator Sparkasse
Additional safety tips for concerns free Mobile Banking
- Download Banking Apps only from trusted sources for example Google Play and the App Store for iOS. It's best to use the Original Apps of your respective Bank - when in doubt, ask your Advisor.
- Your Smartphone is not protected from Hacker attacks, Trojans, and virus partout. So be careful on the Internet, download Apps, and e-Mail attachments from known providers to download and protect your device with anti virus Software for iOS or Android.
- Save you also, never have your PIN and PUK codes for your Mobile Banking on your Smartphone, not in the address book disguised as a phone number or date of birth.
- You use Mobile Banking, if you are connected over public networks with the Internet. You avoid it as well, if Bluetooth is turned on on your device - data thieves can recover much easier connect to your Smartphone.
- You always make sure nobody is watching when you enter your Master password. Use in all cases a secure password.
Not only Mobile Banking requires security arrangements, including Bank transactions on the Computer can be easily accessed. To prevent this from happening, you should our tips for safe Online Banking note.
