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Con­tact­less pay­ments – but secure!

It is not just since Corona appeared that con­tact­less card or smart­phone pay­ments have become very pop­ular. To shop with no need for cash or codes is con­ve­nient – yet it also involves risks.

It has long been pos­sible to pay cer­tain sums of money up to a cer­tain amount by debit or credit card without having to enter a per­sonal PIN code. For a number of years, it has now also been pos­sible to use elec­tronic processes such as Apple Pay or Twint to make con­tact­less pay­ments for your pur­chases via your Smart­phone (“mobile pay­ments”). Since the emer­gence of the Corona crisis, if not even before, we don’t seem to be able to do without these processes in our everyday con­sumer trans­ac­tions any more.

Yet no matter how easy and con­ve­nient con­tact­less pay­ments are – you should not under­es­ti­mate the risks involved, since the lack of an addi­tional secu­rity com­po­nent makes it easier to abuse these facil­i­ties.

You should there­fore remember our fol­lowing rec­om­men­da­tions:

  • Check which ones of your debit, credit and pre­paid cards or mobile pay­ment accounts you are actu­ally using for con­tact­less pay­ments. Have your con­tact­less func­tion deac­ti­vated if you don’t use it, or reduce your limit to the min­imum (although that is not pos­sible with all providers).
  • Specify limits for your cards or mobile pay­ment accounts, and thereby the max­imum risk involved, in accor­dance with your needs. Only load as much money onto your pre­paid cards and pay­ment accounts as you will need in the fore­see­able future.
  • Only ever actu­ally divulge data which are absolutely nec­es­sary to the mobile pay­ment app.
  • Check your state­ments, and notify your provider imme­di­ately if you find any pay­ments not car­ried out by you or which you don’t recog­nise.
  • Reg­u­larly check whether you still have your card or mobile device in your pos­ses­sion (e. g. in your purse or handbag), and imme­di­ately notify your provider in case of loss or theft.
  • Use the screen lock option to pro­tect your mobile device against unau­tho­rised access.
Addi­tional infor­ma­tion can also be found in our Info sheet “mobile banking and mobile pay­ments”.

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This basic course will point out cur­rent threats on the Internet and con­veys mea­sures as to how you can pro­tect your­self by taking some simple mea­sures.

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Learn and prac­tice the most impor­tant mea­sures for your com­puter and e-banking secu­rity on com­puters pro­vided by us.

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