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Tips for secure mobile banking

From protecting your password to locking your screen, read our 5 essential tips for secure mobile banking.

2 min read

The term “mobile banking” includes bank transactions carried out via a mobile browser or using mobile apps.

Mobile banking apps fall into two different categories. The first includes mobile apps specific to individual legacy banks. Many of these lack functionality and lag behind users’ expectations.

The second category consists of independent banking apps, which you can use to manage your bank account in real time. The disadvantage here is that you have to share the access details for your bank account with the app provider. Especially with a banking app that provides complete access to your bank account, you should make sure you do your due diligence and read reviews before you start to use it.

Is mobile banking safe? N26

The N26 mobile app combines the security of a German bank account with the latest mobile banking functionality.

As far as security is concerned, there are no significant differences between the security requirements for mobile banking and those for online banks. Nevertheless, you should still take into account our additional recommendations so that you can access your mobile banking services securely.

Always lock your phone

While keeping your phone unlocked might seem convenient and tempting, be sure to always lock your phone when not in use. Beware of apps that keep your phone unlocked while in use, or media that might play while you step away. We recommend making your phone more secure by adding a secure lock code, password or using your phone's biometric capabilities. This helps keep your banking information safe, especially if you lose your cellphone.

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Update your mobile operating system

We recommend that you regularly update the software on your smartphone. Manufacturers frequently issue software updates to protect against new defects and vulnerabilities.

And keep your mobile banking apps up to date

Make sure you download banking apps, and any other apps for that matter, only from the manufacturers’ official app stores. Be weary of any new unfamiliar apps that might appear on your phone. They could contain malware and facilitate access to sensitive details.

Be careful with public WiFi networks

We recommend that you log out of unsecured, publicly accessible WiFi connections a before logging into your bank app. Public networks might leave your information vulnerable, and could put your data at risk.

Protect your passwords, PINs and TANs

Never save any bank-related passwords, usernames, PINs or TANs on your phone—especially on your notes app. If your phone is lost or becomes infected with malware, this will increase your risk of falling prey to cyber criminals.

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