Using online services professionally

Internet safety

All it takes to make your online banking as safe as possible and to protect your account from unauthorised access by third parties is following a few simple rules.


1. Always: Use caution

TANs (Transaction Authentication Numbers) can only be used for your personal transactions. Your bank will never ask you to enter a TAN for prize draws, security updates or to refund money into your account. Therefore, use caution if anybody ever asks you for your bank details or a TAN when you are not actually in the process of making a transaction.

2. Double check: Before entering the TAN

Once a TAN has been generated, your chipTAN generator or mobile phone screen will show all of the main transaction data again as well as the TAN. If these data do not match what you have entered, cancel the transaction and immediately get in touch with your Sparkasse.

3. Always: Keep up to date

Check the transactions on your account regularly. You can do so both online and on your account statements. When doing so, carefully check all of your outgoings, because this is the only way to detect unauthorised withdrawals in time. Contact your Sparkasse in case of any discrepancies.

4. Specify transaction limits: Your daily online banking limit

Specify a daily limit for your online banking transactions. Doing so will limit the maximum amount of money that can be withdrawn from your account each day using online banking. This is a very easy and practical way to limit the amount of money available each day in a way that suits your needs and to limit the risk of unauthorised access from a third party.

5. If in doubt: Block your account

If you ever suspect that something isn't quite right with your online banking account: Block your account. To do so, either contact your bank directly or call our 24 h emergency security helpline at 116 116, calls to which are free across the whole of Germany. This number can also be called from abroad. For more information, please visit

6. Good protection: Smartphone and PC

You should use current anti-virus software and a personal firewall on each PC. Common operating systems include a firewall that scans both inbound and outbound connections.

Regularly update your anti-virus software. This will ensure that current viruses and Trojans can be detected. Check all data on your computer with anti-virus software at regular intervals.

For smartphones, the same dos and don'ts apply as for a PC. Depending on your smartphone model and its manufacturer, different safety notes apply.

7. Discrete: Your Sparkasse

Your bank will never ask you to install apps or other software on your smartphone or reveal sensitive data. You will not be asked by e-mail to enter data such as your account number, PIN, SSN or your credit card information on a website.

Be careful when opening e-mails, SMS or MMS. Only install applications from a trusted source.

8. Always check: e-mail

Using e-mail attachments, viruses and Trojans can get onto your computer or your smartphone. Never open attachments from unknown sources. Do not trust promising and enticing descriptions in the subject line. As a basic rule, delete e-mails from unknown senders.

9. Keep up to date: Programs and operating system

Employ a current operating system and the latest Internet browser version. Make sure that you are always informed about new updates. Your browser should also feature the latest protection measures.

10. Secure: Your password

After the first login for Online banking, you must change the default PIN. The new PIN should be especially secure.

Do not use simple combinations, such as first name and date of birth. Try using mnemonic devices or construct easy-to-remember sentences and use the first letter of the words in that sentence: For example, the sentence "I eat five acid drops" creates the password: "Ie5aD".

Use a combination that you would otherwise never use anywhere.

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