Either for check the account balance or to make transfers: bank transactions can be carried out quickly and easily via mobile. In principle, there is nothing to object to, as long as some basic rules are taken into account.
The first step is downloading a secure banking application: “It is recommended use only authorized app stores“, advise Tanja Beller, of the Association of German Banks, based in the city of Berlin. These would be, for example, the Google Play Store or Apple App Store.
Beller advises against the use of download offers from unknown sourcesfor example, from third party websites. Links received by email or SMS should also not be followed.. “There is a risk of downloading an infected app”, Warns Beller.
Those who use online banking exclusively through a mobile phone they have both the banking application and the verification procedure via SMS-Tan or Push-Tan on their device. According to Ralf Scherfling, from the NRW Consumer Advice Center in the German city of Düsseldorf. in these cases it is even more important to secure the banking app with a strong password.
Beller adds that biometric features, such as fingerprints or facial recognition, are now enough to open the banking app securely and reliably.
Also it is essential never to save the access data on the mobile device“not even as a photo or in a calendar entry,” advises Beller, adding that Criminals can not only access this data in case of device theft, but they can access it remotely.
Additionally, users must always keep your banking application up-to-date and regularly install new updates, “Also only from the official app store,” Beller recommends. With an antivirus program you can also protect your device from malicious programs.
As far as possible, mobile bankers should not use public WLAN connections, but an own data connection. “It is also advisable leave the device’s Bluetooth connection turned off while using the apps banking”, specifies Beller.
In general, banking applications have many advantages. “Compared to classic online banking on a PC, mobile banking with the right banking apps is particularly fast and convenient for many basic functions”, says Beller. For example, many applications are capable of automatically reading the transfer data of invoices, transfer receipts or receipts through the mobile camera and converting them into an electronic transfer in a few seconds.
Limits can also be set in the banking app. “This function allows you to determine the maximum amount of money that can be transferred from your account at one time or in a given period of timeBeller explains. Usually, this limit can be set in the app’s security settings.
If a digital card has been loaded to pay with the mobile, this should also be blocked. The information on how to do it will be supplied by the bank. “The ideal is to have the IBAN or the card number on hand,” advises Beller.
In addition to the immediate lockdown, Scherfling notes that it’s important to clarify how you want to get back into your account quickly in the future. “For example, there is the possibility of using an alternative online banking procedure or the same on a new device,” explains the expert.
In any case, banking through a mobile phone is very convenient. To ensure that all debits are correct, users should regularly check the recorded transactions and account balance.
“In addition, depending on the bank, notifications can also be activated”, points out Beller. Thus, the user is informed of the changes in his account through a message push, an SMS or an email.
Source: Eluniverso
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