There were times when people had in this country very much afraid of the Banking via Internet. Too uncertain and too dangerous for the whole thing, because the bank was banking on the ground in the then preferred. In recent years, but the security of online banking constantly worked on, the Tan-lists have now been abolished almost everywhere and mobile TAN is currently probably the safest option for banking from your PC or notebook.
But (also known as sms TAN) also mobile TAN, is only safe if all safety tips to be considered. These have recently been published by the Association of German Banks:
* A smart phone requires the same precautions as a PC.
* Be suspicious if you are to enter the online banking on a preceding page data to which input you are not otherwise requested. If in doubt, ask your bank immediately.
* Your bank will never ask for confidential information such as account information or personal data via e-mail or telephone.
* Follow on either the PC or on the web-enabled mobile phone or smart phone records from unknown sources, especially if your phone allows program updates. Behind it can in fact hide malicious software.
* Further safety and behavior rules can be on the website of your bank or savings retrieve or contact your local branch. (Source BdB)
Moreover, one important, if online banking is mobile and cell phone made simultaneously with a sms TAN, the mobile is requested the same thing about, this may cause a security issue. To really secure your online banking with mobile TAN perform, it is important that the two devices, computer / laptop / notebook and mobile phone or smart phone is not connected to each other during the banking.
The Bankers Association writes: “However, this separation of the channels is abolished, then the protection can not be guaranteed.”
Online banking is therefore only really be sure when the safety tips are also taken to heart.