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Chip TAN

With the Chip TAN process, cus­tomers will not only need their per­sonal access data, but also a card reader and their bank card which make up the second authen­tifi­ca­tion factor here.

Please note the fol­lowing when using Chip TAN:

  • Care­fully check all data to be signed off before con­firming any trans­ac­tion.
  • Store your access details sep­a­rately from your bank card.
  • Do not make any written notes of your pass­words and PINs, unless you can keep such notes under lock and key.
  • Only ever enter your ID number and your pass­word or your PIN and your Chip TAN into the log-in tem­plate of your e-banking facility.

Oper­ating prin­ciple

Once you enter your ID number and pass­word or PIN into your e-banking portal, the finan­cial insti­tu­tion will transmit a one-off access code (chal­lenge code) for input to your card reader and will ask their cus­tomers for the respec­tive access code (response code). This is gen­er­ated with the help of the card reader and bank card while stating the dis­played code (chal­lenge code). Chip TAN is there­fore called a “chal­lenge response process”.

Some­times, poten­tially risky trans­ac­tions such as con­spic­uous remit­tances have to be con­firmed via this Chip TAN pro­ce­dure, too.

This process pro­tects against attacks which manip­u­late trans­ac­tions (e. g. man-in-the-browser attacks), for as long as bank cus­tomers check the trans­ac­tion data shown on their dis­play for their accu­racy before con­firming.

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