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Mobile ID

Spe­cial SIM cards enable secure pro­cessing of encrypted mes­sages when log­ging into e-banking facilities.

Please note the fol­lowing when using Mobile ID:

  • Care­fully check all data to be signed off before con­firming any transaction.
  • Store your access details sep­a­rately from your mobile phone.
  • Don’t use the same mobile phone for e-banking as the one you receive Mobile ID mes­sages on.
  • 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, your pass­word or your PIN into the log-in tem­plate of your e-banking facility.
  • Only ever enter your per­sonal Mobile ID PIN on your mobile phone.

Oper­ating principle

Sim­ilar to the mTAN log-in pro­ce­dure, Mobile ID uses a smart­phone, and data are trans­ferred across an addi­tional com­mu­ni­ca­tion channel (mobile phone network).

The dif­fer­ence is the vital role played by the spe­cial SIM card holding the Mobile ID. This enables data to be trans­ferred in an encrypted manner. The keys required to do so are gen­er­ated when acti­vating the Mobile ID and are then stored on the actual SIM card.  This encrypted com­mu­ni­ca­tion channel pre­vents attackers from cap­turing log-in or trans­ac­tion requests.

When log­ging into the finan­cial insti­tu­tion web­site, you will need to enter the ID number and poten­tially your pass­word or PIN. Your mobile phone will then dis­play a mes­sage which you have to con­firm. You will then have to enter your per­sonal Mobile ID PIN on your mobile phone. Only once you have done so will you obtain access to your account.

You will have to apply to your mobile phone net­work provider for a Mobile ID-enabled SIM card.

What else would you like to learn about security when e-banking?

Reg­ister for a course now
and learn more:

Basic course

Find out about cur­rent Internet threats and some easy pro­tec­tive mea­sures, and how to securely use e-banking.

fur­ther information

Online course mobile banking/payments

Find out about mobile banking, mobile pay­ments and how to securely use these apps.

fur­ther information

Online course for the under-30s

Learn how to use your smart­phone securely. Next to basics, we will show you what you should know about social media, clouds, mobile banking and mobile payments.

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Course for SMEs

Is your organ­i­sa­tion suf­fi­ciently secure? Learn which mea­sures you can take to sig­nif­i­cantly strengthen your organisation’s IT security.

fur­ther information