Online banking apps put to the test: Stiftung Warentest finds major defects - data in danger!

Stiftung Warentest has examined online banking apps.

The test revealed major deficiencies at the banks.

Only four apps are rated as good.

• Stiftung Warentest * put online banking apps to the test

• A total of 38 apps were subjected to the test by Stiftung Warentest

• In the test, only four online banking providers achieved the grade good

Kassel

- In one of their last tests, Stiftung Warentest rated

banking apps.

Many people now have virtual bank counters on their smartphones.

It saves many a trip to the bank branch.

tested the

-

apps on their functions and their handling.

But also terms and conditions and data protection declarations had to undergo an examination.

Online banking apps test: The following apps were tested

Stiftung Warentest

has 19 providers for their test

-

selected.

Their apps were examined both in the

version and in the

version.

At the end of the test

, the experts from

results for 38 apps.

What is astonishing about the result of the test is the only four of the tested

-

-Anbieter were rated good.

Test of online banking apps: Some online banking apps offer a multi-banking function

Some of the tested

-

apps offer a special

function for their customers.

According to

, however, the tightening of EU guidelines has meant that this function can be found with fewer providers.

The

function, which is affected by the PSD2 directive, enables customers to manage accounts from third-party banks in the same app.

In the test, this was only one-third of

-

possible -Anbieter. 

Test of online banking apps: These apps are adequately protected against attacks

Stiftung Warentest

raised their test result produces positive that none of the

-

apps defects were found in the security area.

All apps tested are adequately protected against external attacks.

However, they found data transmission behavior in some apps that

classifies as critical.

Among the experts handle all activities

-

apps together, return the sensitive data to the provider of the App.

With the Android versions of the apps, the following providers noticed critical data transmission behavior: 

• Comdirect

• Commerzbank Banking

• Deutsche Bank Mobile

• ING banking to go

• N26 - The mobile bank

• Numbrs

• Outbank

• Revolt

According to

, the following

are affected by

the

apps

:

• Comdirect

• Commerzbank Banking

• Deutsche Bank Mobile

• Financial view online banking

• ING banking to go

• N26 - The mobile bank

• Numbrs

• O2 banking

• Outbank

• Revolt

• Targobank Mobile Banking

Online transfers and cashless payments are very convenient.

But what about #safety and what do you have to pay attention to?

Our colleague Sylvester Tremmel gives you an insight into #BankingApps and Co. (nale) https://t.co/urSAxUSJ8L in the #video

- c't magazin (@ctmagazin) May 19, 2020

Stiftung Warentest: The following online banking apps make it all the way to the top

The winner of the

-

tests are the same for both operating systems.

In

ranking thus managed these 4

-

provider to the very top (Notes in parentheses - Multi-banking abbr .: MB):

• Sparkasse - iOS: 1.8 Android: 2.0 - MB: Yes

• GLS mBank - iOS: 1.9 Android: 1.9 - MB: Yes

• Finanzblick online banking - iOS: 2.1 Android: 2.0 - MB: Yes

• Numbrs - iOS: 2.3 Android: 2.4 - MB: Yes

According to

all four

banking apps had

only very minor defects in their data protection

declarations

.

Only the apps from the provider Numbrs and the iOS version of the Finanzblick app showed critical data transmission behavior.

The financial view

-

reported Apps, albeit very small, deficiencies in their Terms on.

The bottom of the list of four is Numbrs, whose functions are only satisfactory.

+

In the study by Stiftung Warentest, the Sparkasse app can also be found at the top of the list

© Monika Skolimowska / dpa

Stiftung Warentest: Ease of use of the online banking apps were assessed

The experts at

rated the

-

apps even after their usability.

Only the provider Outbank could show a very good result here.

All other apps move between the ratings good and satisfactory.

The most convenient transfers can be made in the apps of the providers Finanzblick

-

, Sparkasse and GLS mBank.

For this, all three received the top grade in the area of ​​functionality.

Stiftung Warentest: These are the online banking bottom lights

Similar to the top of the

evaluation, there are also four app providers at the end.

All four

-

providers were not so much with their Android, and with their iOS apps on the note sufficiently beyond.

With this weighting, the four providers form the end of the evaluation (grades in brackets - multi-banking abbreviated: MB):

• O2 Banking - iOS: 3.6 Android: 3.6 - MB: No.

• Targobank Mobil Banking - iOS: 3.6 Android: 3.6 - MB: No.

• HVB Mobile Banking - iOS: 3.7 Android: 3.7 - MB: No.

• Revolt - iOS: 3.8 Android: 3.8 - MB: No.

The loser of the test, the

-

-Anbieter Revolt had in the test both in its terms and conditions to be very clear even in the privacy policy shortcomings.

The data transmission behavior of his app was also

rated

as critical by

.

The handling of the apps was also rated good in the four bottom lights of the test.

In the Targobank apps, transfers from the app were only rated as poor.

For those of HVB, it was the sales and account balance inquiries that could only be rated as unsatisfactory.

Stiftung Warentest: video chats also tested

The Stiftung Warentest recently also took a close look at video chats *.

In doing so, they found data protection problems for many.

But not only apps have recently been put to the test at Stiftung Warentest.

Oat drinks * also had to undergo the judgment of the experts.

The discounter Lidl is recalling a salami snack.

It can lead to internal injuries.

In keeping with the current grill season, Stiftung Warentest recently tested electric grill devices *.

Most did well.

The topic of car sharing is becoming more and more important in many cities.

Stiftung Warentest has now tested car sharing via app *.

The Stiftung Warentest recently also addressed the issue of early retirement *.

So maybe you too will benefit from a pension at the age of 63.

The discounter TK Maxx is also forced to recall a product.

A bottle for children is affected by the recall. *

Many people ask themselves this question: wash your hair, but with which product?

Stiftung Warentest tries to shed light on the darkness in a test *.

The safety of children is a priority for many, and this also applies to riding in the car.

Stiftung Warentest has examined the seats * required for this. 

Stiftung Warentest has been on the trail of fake reviews on Amazon * and Co.

Hna.de exclusively interviewed one of the evaluators.

* hna.de is part of the nationwide Ippen-Digital editors network.

List of rubric lists: © Monika Skolimowska / dpa