{"id":8632,"date":"2024-06-04T11:03:04","date_gmt":"2024-06-04T09:03:04","guid":{"rendered":"http:\/\/wordpress.p707480.webspaceconfig.de\/unkategorisiert\/mtan-smstan-online-banking-procedure-explained\/"},"modified":"2026-01-29T09:49:55","modified_gmt":"2026-01-29T08:49:55","slug":"mtan-smstan-online-banking-procedure-explained","status":"publish","type":"post","link":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wiki-en\/mtan-smstan-online-banking-procedure-explained\/","title":{"rendered":"mTAN \/ smsTAN: Online banking procedure explained"},"content":{"rendered":"<h2>mTAN \/ smsTAN<\/h2>\n<p>mTAN stands for &#8220;mobileTAN&#8221; and is often also called &#8220;SMS-TAN&#8221; or &#8220;mobile TAN&#8221;.<\/p>\n<p>With this method, the TAN is sent to the user&#8217;s cell phone via SMS.<\/p>\n<p>For a long time, the procedure was considered practical, user-friendly and secure, as two separate devices are used to generate TANs.<\/p>\n<p>In the meantime, a number of risks have become known: However, because this method is so popular, hackers have made it their goal to crack this method, which they have succeeded in doing in numerous cases.<\/p>\n<p>Read more <b>Dangers<\/b><\/p>\n<h2>How the mTAN procedure works<\/h2>\n<p>To be able to use this procedure, the user needs a PC and a cell phone with SMS function and must deposit the cell phone number with their bank.<\/p>\n<p>After the user has entered the transfer data, they receive a TAN by text message, which is only valid for a few minutes and only for this one transfer. Once the TAN has been entered in the field provided, the transaction is completed. <\/p>\n<h2><strong>Costs<\/strong><\/h2>\n<p>With some banks the SMS is sent free of charge, with some banks it costs a few cents, with other banks it only costs a few cents after the 5th transfer.<\/p>\n<h2>Advantages of the mTAN procedure<\/h2>\n<ul>\n<li><strong>Simple<\/strong>: almost everyone has a cell phone with an SMS function these days.<\/li>\n<li><strong>Secure<\/strong>: The TANs are only valid for a limited time and can only be used once for the specified transaction.<\/li>\n<li><strong>Current<\/strong>: The TANs are not stored and no activation of new follow-up lists is necessary.<\/li>\n<li><strong>Flexible<\/strong>: The cell phone is usually nearby and can therefore be reached from anywhere to make transfers.<\/li>\n<li><strong>Convenient<\/strong>: No extra device or list is required.<\/li>\n<li><strong>Independent<\/strong>: Controllable: Check possible by displaying the transfer data<\/li>\n<li><strong>Secure<\/strong>: TAN generation with two separate devices and transaction entry, display and confirmation independent of the PC<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>mTAN \/ smsTAN mTAN stands for &#8220;mobileTAN&#8221; and is often also called &#8220;SMS-TAN&#8221; or &#8220;mobile TAN&#8221;. With this method, the TAN is sent to the user&#8217;s cell phone via SMS. For a long time, the procedure was considered practical, user-friendly and secure, as two separate devices are used to generate TANs. In the meantime, a [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":10460,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[138],"tags":[],"class_list":["post-8632","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wiki-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>mTAN \/ smsTAN: Online banking procedure explained<\/title>\n<meta name=\"description\" content=\"We explain what mTAN \/ smsTAN is and what it is used for in everyday life! \u2713 Definition \u2713 How it works \u25ba Find out now!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wiki-en\/mtan-smstan-online-banking-procedure-explained\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"mTAN \/ smsTAN: Online banking procedure explained\" \/>\n<meta property=\"og:description\" content=\"We explain what mTAN \/ smsTAN is and what it is used for in everyday life! 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