Using VPNs without messing up your banking apps
Using a virtual private network (VPN) can significantly enhance your online security, especially when accessing sensitive information like banking apps. However, it can also lead to complications, such as being blocked from accessing your bank’s services. Melissa from Dallas wrote to us asking, “How can I use a VPN without getting locked out of my banking app? It’s very frustrating, and I worry about my security when I have to turn off the VPN. Are there any specific tips to ensure I stay both secure and connected?”
Melissa, we totally understand how that can be aggravating. We’ll guide you through the steps to use VPNs effectively while ensuring your banking activities remain secure and accessible.
What is a VPN?
A VPN encrypts your internet traffic and reroutes it through a server in a different location than your own. VPNs make it appear that you are connecting to the internet from whichever location the server is hosted in rather than your actual location. When you first connect to a network using a VPN, your device will establish a secure connection with the VPN server and your device’s IP address will appear as the VPN server, meaning that only your internet service provider will see that you’re connecting to a VPN server.
Understanding VPNs and their benefits
A VPN creates a secure tunnel between your device and the internet, encrypting your data to protect it from prying eyes. The three key benefits of using a VPN for online banking include:
Enhanced security: Encrypts your connection, making it difficult for hackers to intercept sensitive information.
Privacy protection: Masks your IP address, helping you maintain anonymity while browsing.
Access to geo-restricted content: Allows you to access banking services when traveling abroad.
Steps to use a VPN safely with banking apps
Choose the right VPN: Select a reputable VPN service that prioritizes security and privacy. Look for features such as military-grade encryption, a no-logs policy, and kill-switch functionality.
Install the VPN software: Download and install the VPN application on your device.
Connect to a server: Before accessing your banking app, launch the VPN application and connect to a server located in your home country.
Log into your banking app: Open your banking app or website and log in as you normally would. If you encounter issues, consider clearing browser cookies or switching servers within the VPN.
Monitor for any issues: If you experience difficulties logging in, disable the VPN temporarily, change the VPN city/location, or contact customer support for both your bank and the VPN provider if problems persist.
What to do when your VPN gets blocked by your bank
If your bank’s website won’t let you in with your VPN on, try contacting your bank’s customer support or changing the VPN city/location to match where you live. If all else fails, you can temporarily disable your VPN when accessing your banking app, just remember to turn it back on when you’re done.
Choosing the right VPN for banking security and safety tips
Securing your financial information with reliable VPN services and following practical safety tips are important. Choose a reliable VPN, always use a VPN on public Wi-Fi, enable two-factor authentication, use strong, unique passwords, regularly monitor your accounts, keep software updated, and be wary of phishing attempts. Consider using split tunneling to route specific traffic through the VPN while keeping other traffic on a regular connection.
In conclusion, using a VPN for online banking can enhance your security and privacy, but it’s essential to choose a reputable service and connect appropriately to avoid access issues with banking apps. By following the outlined steps and tips, you can enjoy the benefits of a VPN without compromising your ability to manage your finances securely. Stay vigilant about potential security threats and maintain good online habits for optimal safety while banking online.
