Online Banking Apps for iPhone and Android in the Test

In the evening in the restaurant still fix transfer the deposit for the trip? Thanks to banking via mobile app, that’s no problem! Each bank offers free such apps, anytime and anywhere to enable your customers account retrieval and transfers directly to your Smartphone or tablet. Who wants more or want to manage multiple accounts at different banks, better access to independent third-party apps. COMPUTER image has tested five popular banking apps. Which offer the most security, the highest functionality and ease of use?

Online banking apps in the test

Mobile banking applications

Mobile: the Bank branch for the Pocket

Get account balances, transfers do or set up standing orders with all the apps in the test go common banking transactions conveniently and reliably across the stage. Some apps allow even barcode or photo transfers simply capture the Giro collection form, finished. But, the apps do not offer the feature wealth of PC programs. Anyone who wants to categorize his postings and sort for the next tax return, takes much time and nerves.

Security Apps: To protect Data on Your Smartphone

Dangerous: mTAN and banking app on a device

At the mTAN procedures (also: smsTAN) get the transaction number (TAN) for each booking via SMS text messages on your mobile phone. Advantage: banking and TAN numbers remain clean separate as long as you use the banking app not on same Smartphone that is used also for the mTAN reception! Tempting: Many apps allow the storage by PIN and Tan directly into the app as well as TAN receive SMS on the same machine on which you run also the banking application. It is indeed convenient, but not particularly sure damaged sit might on the damage. Who uses the mTAN method for authentication, required for secure financial transactions which is necessarily a second device, about a second cell phone, or flicker-TAN device from eight euros, which allows the currently safest ChipTan procedure.

Special: Security Center

Sloppy: apps not always concealed

Sensitive Bank data apps should always be well secured and encrypted transfer. This stick in most banking apps. But be careful, there are also exceptions, as the test revealed: so the iOS app iControl uses the service of Google charts for graphical evaluation and sends it unencrypted through the net and Google account sales. Defective! Gratifying: all other iOS-banking apps in the test offer good protection thanks to Apple’s strict access control for the app store.

mobile banking: the pros and cons

5 pictures Can mobile online banking

Scandal: all Android banking apps vulnerable to attack

To do with a financial transactions banking app, the app access data and PIN number for online banking requires. No problem, as long as you use the on-screen keyboard comes with Android for the input. Who but an alternative keyboard to the device will be matching giveaways cavorting en masse into Google’s play store enters a high risk. The danger: So-called keylogger hidden behind the chic, innocuous-looking keyboards. This key recorder access under access data entered in circumstances and in the case of StarMoney and financial views unnoticed even received Mtan and allow to a looting of the bank account. That worked in the test for all validated Android banking apps without great efforts.

Data leaks at banking apps

Easy Android banking apps can be hack

Permeable: hackers read

Our site says: A banking app should secretive deal with their user’s sensitive data and prevent the use of San Diego out keyboards. So, each Android app for banking on the use of the original keyboard must exist or bring equal own, tap-proof buttons. Everything else is gross negligence!

Conclusion: banking apps easily, but not safe

For those who have no desire to slimmed-down features for browser banking or expensive PC software: mobile banking is convenient, inexpensive and secure at least via iPhone. Test winner Outbank, Sparkasse + and financial views provide evidence. Not to be recommended: the iOS app iControl and Android apps that are too negligent in protecting sensitive Bank data.