This is how secure online banking really works

Here you will find answers to the following questions:

Regardless of whether it is a computer, tablet or smartphone: online banking can be done easily, quickly and from anywhere. However, many consumers are unsure whether it is safe to manage their finances online.

Who still has the time or inclination to go to a bank branch when banking can be carried out so quickly and comfortably from home. Online banking is the magic word here. Unfortunately, with the increasing use of the Internet, crime also increases. In the following lines you will find out how you can successfully protect yourself against fraud attacks.

Which safety precautions have to be observed?

Never use other people's devices to conduct your financial transactions over the Internet. If you are careless, you could forget to log out of the online portal or your login data for the email account will be saved automatically. On your own devices, you should always ensure that trustworthy security software protects your data from viruses. The absolute minimum should be an active firewall and virus scanner, which constantly scans your device for abnormalities.

In addition, the operating system should always be up to date. For this purpose, the manufacturers provide updates at regular intervals that reliably close any security gaps that arise.

How do I behave correctly?

As soon as you want to access your online account via an online banking portal, you should always enter the provider's internet address manually into the address line of your internet browser. Of course, you are welcome to save the links as a bookmark, as this is not a risk.

Please make sure that you never open the banking website via a given link that you receive, for example, in an email. If you receive an email that appears to have come from your bank, you should always check whether the sender is really your bank. If in doubt, you should contact the financial service provider immediately by phone and consult with them.

Under no circumstances will your bank ask for your access data, your card number, your PIN or any TAN number. These data should only ever be entered on the known online portal. If you are asked to disclose the information mentioned in an email or to provide it on certain websites, the notifications are fraudulent. In this case one speaks of so-called phishing mails.

Unfortunately, even with ambitious Internet users, these attacks often lead to success. If you discover a fraudulent charge, you should immediately request an account freeze.

Open an online account now and enjoy absolutely secure online banking :

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Via Pay Here

The German e-money institute Pay Here has specialized in payment services with Debit Mastercards and accounts without Schufa. Individual solutions are offered for both private and corporate customers.