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The photo is sent to a server, where an algorithm reads out the invoice data and sends it back to the app. In addition, it was examined whether the apps have functions that, such as photo transfer, can facilitate the handling of banking transactions.įor photo transfers, the invoice is photographed with the smartphone. Data protection and general terms and conditions of the app manufacturers were also put to the test. In addition to the handling of the apps, we tested, for example, how well sales queries and transfers work. „For our comparison, we have tested the apps of the major banks, but also of third-party providers,“ says the Stiftung Warentest report. Another important hint is to always use strong passwords when you login to your banking services. When banking with your phone it’s recommended to use a good vpn at any time. You can find out whether your smartphone is still being updated from the manufacturer or by doing a network search. We therefore recommend not using smartphones whose operating systems are no longer updated.
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Many older devices therefore run insecure versions of the Android operating system. While Apple regularly provides older iPhones with updates, the manufacturers of Android smartphones often only deliver security updates for the latest models. The situation is different for owners of older Android smartphones.
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It is important that the user only obtains his app from the official download shops and always keeps his operating system up to date. „The apps establish a secure connection with the bank server, just like online banking on the PC,“ explain the product testers, who examined 38 banking apps for the magazine „Finanztest“. Not All Smartphones Are SecureĪpp banking is just supposed to be as secure as online banking on the computer. Many users apparently have reservations about the security of money transactions with smartphones.
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According to surveys, only a minority of Germans use a smartphone for this purpose. More and more German citizens are doing their banking transactions via the Internet – most of them on their PCs. Query account balance, transfer money, set up standing orders: Online banking is popular. But how secure are they, what can they do? Online banking via smartphone – Banking apps – how secure are they?Īnnoying queues at the bank counter are passé – today there are banking apps.
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