TAN, phishing, etc.
For many people, going to a bank branch is rare. Online banking is fast, convenient, with certain skills, and very secure. In this article, we introduce you to the TAN program, protection features, and stealing attempts in the network.
Compared with going to a bank branch, online banking has many advantages. So you can check your account balance from anywhere on your phone or computer, sometimes make important transfers in real time, and even manage regular orders. However, for security reasons, some bank customers still do not have these advantages.
The bank provides you with a wide range of security features in its online system, and you can get enough security protection even on the go. Of course, you can't protect yourself if you don't understand them-for this reason, we have collected various protection features and tips in this article. You can find an overview in the catalog:
table of Contents
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TAN procedure and two-factor authentication
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Where do you sign in?
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Beware of phishing and fake websites
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Mobile banking: always through VPN
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Logout, incognito mode, and browser cache
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Set order limit
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Update virus protection and operating system
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Learn about locks and contacts
TAN procedure and two-factor authentication
With the second phase of the PSD2 rules taking effect in September 2019, online banking has become more secure. Since then, all banks must use two-factor authentication to verify their identity and adhere to certain identification procedures.
For example, at VW Hamburg, you can log in to an online bank with your username and password. Every three months, you must confirm your registration by logging into TAN, and you can get this information through your smartphone app. You can then move around in the online banking system. If you want to make a transfer, view transactions older than four weeks, or adjust a regular order, you must enter another TAN to check.
Therefore, you are protected by various authentication procedures. If someone finds your login information, they won't be able to do much unless they also stole your smartphone. The Hamburger Volksbank mobile app is protected by other username and password combinations or fingerprints. Due to the PSD2 rules, all banks must use a similar security system for online banking. Since then, the use of less secure TAN procedures for paper has been banned.