Making transfers, setting up standing orders or topping up a check card: customers can now conveniently carry out almost all regular banking transactions online. You don’t even need a computer for this. In addition to the large number of professional programs that enable quick, easy and secure banking, a large number of apps are now available for smartphones and tablets. These small digital helpers allow you to check your account balance, set up regular transfers and transfer money. Given the wide range of options available, it is not always easy for online banking customers to decide which programs are recommended when and for what purposes.
Procedural techniques for online banking
On the one hand, there are convenient online banking programs that generally allow you to carry out all common banking transactions easily and securely. These software packages are usually equipped with various features. Not only is an account overview possible, but exchange rates, share prices, account history or a graphical representation of the bank account can also be displayed quickly and easily. However, these programs do not work for all banks and not for all types of accounts. The market leader in this area is WISO Mein Geld. The program not only offers the possibility of carrying out common banking transactions conveniently without the browser, but also has a variety of analysis options. So your money is in good hands.
Special software programs for online banking
Some banks use very special security systems to protect their customers from Trojans and other threats, which requires special software specifications. In this case, it makes sense to use the bank’s programs, which is now possible without installing any software. This allows bank customers to conduct their business directly in the bank. Some financial companies have taken special security precautions that offer effective protection based on innovative technology. For example, there are check card readers on the market that generate a TAN at the same time. These small TAN generators, the size of a cigarette packet, have a slot for the check card. The card is read and a transaction number is generated, which only needs to be entered into the digital transfer form. This makes banking very secure and can even be done conveniently using an app on a mobile phone. In most cases, such devices can also be used with third-party programs.
Manage share portfolios and foreign exchange accounts online
Special banking transactions require exceptional software programs. Anyone who trades currencies and stocks cannot do without a good software program. Bank customers can research which programs have their strengths and weaknesses on various websites or read about them in blogs.
In order to feel safe with such software, various points should be considered. The most important are:
- How clear and understandable is the platform designed?
- How are the underlying values designed?
- A demo account is available free of charge?
- How high are the spreads (trading fees)?
- How competent is the customer service?
- How high are the trading resources?
- How compact is the homepage – how quickly can it load or switch pages within the homepage?
