The pushTAN procedure simply explained
Online transfers used to be made with a TAN generator, which generated a special release code for each transfer. That was safe, but also a bit cumbersome. Today you can use a pushTan to make a transfer quickly and conveniently with your smartphone anywhere. But how does the push TAN work?
How does a push TAN work?
The push tan is a TAN procedure with which you can carry out online banking on your own smartphone. TANs are always required to carry out transfers and to set up standing orders or a direct debit procedure.
The generated password, usually in the form of a sequence of numbers, guarantees security during the banking process, so that nobody can access the account online Account can access. With the push tan procedure, the password for a bank transaction is generated using a special app that is installed on the smartphone. It is independent of the banking app.
How does banking work with the push TAN procedure?
In general, both the functionality of the push TAN procedure and the appropriate app depend on the respective bank system. The system then works as follows:
- First you have to register for the push TAN procedure with your own bank. You will then receive a letter from the bank containing a password with which you can activate the push TAN app.
- After downloading the app, it can be activated and the data for registration can be specified.
- Will then be a first Transfer made, the bank sends a push TAN to the corresponding app.
- Now you log into the push TAN app and you will see a mostly six-digit TAN displayed there. This must then be entered in the appropriate place in the banking app.
- The transfer can then be confirmed. However, both the recipient's account number and the amount should be checked again in the push TAN app, where they will be displayed again. In the event that a hacker should have infiltrated, these two positions will be changed.
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You should use different passwords for the banking app and the push TAN app in order to be better protected against hacker attacks. Updates should also be carried out for both apps at regular intervals.
For the security of the push TAN app
The push TAN app has been classified as secure by Stiftung Warentest. However, a residual risk remains, since apps can generally be hacked on Android devices. The probability is low, but you should also think about it and always check the entries before confirming.
The push TAN procedure offers uncomplicated mobile online banking and is already used by most banks offered.
