Push TAN (app-based TAN process)

For the Push TAN process, cus­tomers need a pass­word or PIN and a smart­phone with the app of the finan­cial insti­tu­tion specif­i­cally meant for this pur­pose installed. Push noti­fi­ca­tions will then be sent to this app via an encrypted Internet con­nec­tion.

Please note the fol­lowing when using Push TAN:

  • Care­fully check all data to be signed off before con­firming any trans­ac­tion.
  • Don’t con­firm any log-in requests where delivery was delayed, and tell your finan­cial insti­tu­tion if you receive any without having requested them.
  • Store your access details sep­a­rately from your mobile phone.
  • Do not use the same device for your e-banking which also has the app installed and receives noti­fi­ca­tions.
  • 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 into the log-in tem­plate of your e-banking facility.
  • Only ever enter your per­sonal app PIN on your smart­phone.

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 (Push TAN) to your smart­phone. To access this code, cus­tomers have to start a spe­cific app and authen­ti­cate them­selves via their PIN. Only once this addi­tional access code has been entered, the log-in process is com­plete, and you are granted access to your account.

Some­times, poten­tially risky trans­ac­tions such as con­spic­uous remit­tances have to be con­firmed via this Push TAN pro­ce­dure, too. Many sys­tems are able to remember their cus­tomers’ recur­ring payees, so that you don’t have to con­firm every single remit­tance in the future.

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.

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

Reg­ister for a course now
and learn more:

Basic courses

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.

fur­ther infor­ma­tion

Prac­tical courses

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

fur­ther infor­ma­tion

Send this to a friend