{"id":8641,"date":"2024-06-04T11:03:17","date_gmt":"2024-06-04T09:03:17","guid":{"rendered":"http:\/\/wordpress.p707480.webspaceconfig.de\/unkategorisiert\/phototan-the-online-banking-procedure-explained\/"},"modified":"2026-01-29T09:49:45","modified_gmt":"2026-01-29T08:49:45","slug":"phototan-the-online-banking-procedure-explained","status":"publish","type":"post","link":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wiki-en\/phototan-the-online-banking-procedure-explained\/","title":{"rendered":"photoTAN: The online banking procedure explained"},"content":{"rendered":"<h2>photoTAN<\/h2>\n<p>The photoTAN procedure is not one of the classic or most common TAN procedures<strong>(not to be confused with Sm@rtTAN photo procedure!<\/strong>) that are used today.<\/p>\n<p>The following banks offer the photoTAN procedure:<\/p>\n<ul>\n<li>Deutsche Bank<\/li>\n<li>Commerzbank<\/li>\n<li>comdirect (Commerbank subsidiary)<\/li>\n<li>norisbank<\/li>\n<li>others (1822direkt, Raiffeisen Switzerland)<\/li>\n<\/ul>\n<p>A reader or smartphone with a photoTAN app is required to generate a TAN and the colored barcode is scanned.<\/p>\n<h2>How the photoTAN procedure works<\/h2>\n<p>The photoTAN procedure for verifying payments can be used under the following conditions:<\/p>\n<ul>\n<li>a stable Internet connection, a computer for online banking<\/li>\n<li>a smartphone<\/li>\n<li>the corresponding app<\/li>\n<\/ul>\n<p>After entering the transfer data, a colored barcode must be scanned with the photoTAN app or the reader.<\/p>\n<p>The display now shows the transfer data, which can be checked again, and a TAN, which can be entered into the PC to complete the transaction.<\/p>\n<h2>Advantages of the photoTAN procedure<\/h2>\n<ul>\n<li><strong>Simple:<\/strong> Operation is easy to understand<\/li>\n<li><strong>Mobile<\/strong>: No Internet or telephone connection is required<\/li>\n<li><strong>Inexpensive<\/strong>: The process requires your own smartphone and a free app or an inexpensive reader.<\/li>\n<li><strong>Secure<\/strong>: TAN generation with two separate devices and data encryption offer a high level of security<\/li>\n<\/ul>\n<h2>Dangers of the photoTAN procedure<\/h2>\n<p>The procedure is only secure if the TAN is calculated together with the account details, the amount of money and the recipient&#8217;s account.<\/p>\n<p>If your smartphone is stolen, the thief can simply use the usage data to make transfers.<\/p>\n<p>If there is a <strong>Trojan<\/strong> on the smartphone, the fraudster can also obtain a TAN and divert transfers.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>photoTAN The photoTAN procedure is not one of the classic or most common TAN procedures(not to be confused with Sm@rtTAN photo procedure!) that are used today. The following banks offer the photoTAN procedure: Deutsche Bank Commerzbank comdirect (Commerbank subsidiary) norisbank others (1822direkt, Raiffeisen Switzerland) A reader or smartphone with a photoTAN app is required to [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":10443,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[138],"tags":[],"class_list":["post-8641","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>photoTAN: The online banking procedure explained<\/title>\n<meta name=\"description\" content=\"We explain what photoTAN is and what it is used for in everyday life! \u2713 Definition \u2713 How it works \u2713 Dangers \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\/phototan-the-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=\"photoTAN: The online banking procedure explained\" \/>\n<meta property=\"og:description\" content=\"We explain what photoTAN is and what it is used for in everyday life! \u2713 Definition \u2713 How it works \u2713 Dangers \u25ba Find out now!\" \/>\n<meta property=\"og:url\" content=\"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wiki-en\/phototan-the-online-banking-procedure-explained\/\" \/>\n<meta property=\"og:site_name\" content=\"REINER SCT\" \/>\n<meta property=\"article:published_time\" content=\"2024-06-04T09:03:17+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-29T08:49:45+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/wordpress.p707480.webspaceconfig.de\/wp-content\/uploads\/Blogeintrag_photoTAN.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1761\" \/>\n\t<meta property=\"og:image:height\" content=\"709\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"jan\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"jan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/wiki-en\\\/phototan-the-online-banking-procedure-explained\\\/#article\",\"isPartOf\":{\"@id\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/wiki-en\\\/phototan-the-online-banking-procedure-explained\\\/\"},\"author\":{\"name\":\"jan\",\"@id\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/#\\\/schema\\\/person\\\/d709e449480bf461758f75e4581f67b7\"},\"headline\":\"photoTAN: The online banking procedure explained\",\"datePublished\":\"2024-06-04T09:03:17+00:00\",\"dateModified\":\"2026-01-29T08:49:45+00:00\",\"mainEntityOfPage\":{\"@id\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/wiki-en\\\/phototan-the-online-banking-procedure-explained\\\/\"},\"wordCount\":261,\"commentCount\":0,\"publisher\":{\"@id\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/#organization\"},\"image\":{\"@id\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/wiki-en\\\/phototan-the-online-banking-procedure-explained\\\/#primaryimage\"},\"thumbnailUrl\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/wp-content\\\/uploads\\\/Blogeintrag_photoTAN.png\",\"articleSection\":[\"Wiki\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/wiki-en\\\/phototan-the-online-banking-procedure-explained\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/wiki-en\\\/phototan-the-online-banking-procedure-explained\\\/\",\"url\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/wiki-en\\\/phototan-the-online-banking-procedure-explained\\\/\",\"name\":\"photoTAN: The online banking procedure explained\",\"isPartOf\":{\"@id\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/wiki-en\\\/phototan-the-online-banking-procedure-explained\\\/#primaryimage\"},\"image\":{\"@id\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/wiki-en\\\/phototan-the-online-banking-procedure-explained\\\/#primaryimage\"},\"thumbnailUrl\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/wp-content\\\/uploads\\\/Blogeintrag_photoTAN.png\",\"datePublished\":\"2024-06-04T09:03:17+00:00\",\"dateModified\":\"2026-01-29T08:49:45+00:00\",\"description\":\"We explain what photoTAN is and what it is used for in everyday life! \u2713 Definition \u2713 How it works \u2713 Dangers \u25ba Find out now!\",\"breadcrumb\":{\"@id\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/wiki-en\\\/phototan-the-online-banking-procedure-explained\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/wiki-en\\\/phototan-the-online-banking-procedure-explained\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/wiki-en\\\/phototan-the-online-banking-procedure-explained\\\/#primaryimage\",\"url\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/wp-content\\\/uploads\\\/Blogeintrag_photoTAN.png\",\"contentUrl\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/wp-content\\\/uploads\\\/Blogeintrag_photoTAN.png\",\"width\":1761,\"height\":709},{\"@type\":\"BreadcrumbList\",\"@id\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/wiki-en\\\/phototan-the-online-banking-procedure-explained\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Wiki\",\"item\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/category\\\/wiki-en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"photoTAN: The online banking procedure explained\"}]},{\"@type\":\"WebSite\",\"@id\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/#website\",\"url\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/\",\"name\":\"REINER SCT\",\"description\":\"\",\"publisher\":{\"@id\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/#organization\",\"name\":\"REINER SCT\",\"url\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/wp-content\\\/uploads\\\/2024\\\/01\\\/cropped-REINER-SCT_LOGO_OhneSchatten_2000px_small.png\",\"contentUrl\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/wp-content\\\/uploads\\\/2024\\\/01\\\/cropped-REINER-SCT_LOGO_OhneSchatten_2000px_small.png\",\"width\":400,\"height\":53,\"caption\":\"REINER SCT\"},\"image\":{\"@id\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"http:\\\/\\\/wordpress.p707480.webspaceconfig.de\\\/en\\\/#\\\/schema\\\/person\\\/d709e449480bf461758f75e4581f67b7\",\"name\":\"jan\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"photoTAN: The online banking procedure explained","description":"We explain what photoTAN is and what it is used for in everyday life! \u2713 Definition \u2713 How it works \u2713 Dangers \u25ba Find out now!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wiki-en\/phototan-the-online-banking-procedure-explained\/","og_locale":"en_US","og_type":"article","og_title":"photoTAN: The online banking procedure explained","og_description":"We explain what photoTAN is and what it is used for in everyday life! \u2713 Definition \u2713 How it works \u2713 Dangers \u25ba Find out now!","og_url":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wiki-en\/phototan-the-online-banking-procedure-explained\/","og_site_name":"REINER SCT","article_published_time":"2024-06-04T09:03:17+00:00","article_modified_time":"2026-01-29T08:49:45+00:00","og_image":[{"width":1761,"height":709,"url":"http:\/\/wordpress.p707480.webspaceconfig.de\/wp-content\/uploads\/Blogeintrag_photoTAN.png","type":"image\/png"}],"author":"jan","twitter_card":"summary_large_image","twitter_misc":{"Written by":"jan","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wiki-en\/phototan-the-online-banking-procedure-explained\/#article","isPartOf":{"@id":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wiki-en\/phototan-the-online-banking-procedure-explained\/"},"author":{"name":"jan","@id":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/#\/schema\/person\/d709e449480bf461758f75e4581f67b7"},"headline":"photoTAN: The online banking procedure explained","datePublished":"2024-06-04T09:03:17+00:00","dateModified":"2026-01-29T08:49:45+00:00","mainEntityOfPage":{"@id":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wiki-en\/phototan-the-online-banking-procedure-explained\/"},"wordCount":261,"commentCount":0,"publisher":{"@id":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/#organization"},"image":{"@id":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wiki-en\/phototan-the-online-banking-procedure-explained\/#primaryimage"},"thumbnailUrl":"http:\/\/wordpress.p707480.webspaceconfig.de\/wp-content\/uploads\/Blogeintrag_photoTAN.png","articleSection":["Wiki"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wiki-en\/phototan-the-online-banking-procedure-explained\/#respond"]}]},{"@type":"WebPage","@id":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wiki-en\/phototan-the-online-banking-procedure-explained\/","url":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wiki-en\/phototan-the-online-banking-procedure-explained\/","name":"photoTAN: The online banking procedure explained","isPartOf":{"@id":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/#website"},"primaryImageOfPage":{"@id":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wiki-en\/phototan-the-online-banking-procedure-explained\/#primaryimage"},"image":{"@id":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wiki-en\/phototan-the-online-banking-procedure-explained\/#primaryimage"},"thumbnailUrl":"http:\/\/wordpress.p707480.webspaceconfig.de\/wp-content\/uploads\/Blogeintrag_photoTAN.png","datePublished":"2024-06-04T09:03:17+00:00","dateModified":"2026-01-29T08:49:45+00:00","description":"We explain what photoTAN is and what it is used for in everyday life! \u2713 Definition \u2713 How it works \u2713 Dangers \u25ba Find out now!","breadcrumb":{"@id":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wiki-en\/phototan-the-online-banking-procedure-explained\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wiki-en\/phototan-the-online-banking-procedure-explained\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wiki-en\/phototan-the-online-banking-procedure-explained\/#primaryimage","url":"http:\/\/wordpress.p707480.webspaceconfig.de\/wp-content\/uploads\/Blogeintrag_photoTAN.png","contentUrl":"http:\/\/wordpress.p707480.webspaceconfig.de\/wp-content\/uploads\/Blogeintrag_photoTAN.png","width":1761,"height":709},{"@type":"BreadcrumbList","@id":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wiki-en\/phototan-the-online-banking-procedure-explained\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Wiki","item":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/category\/wiki-en\/"},{"@type":"ListItem","position":2,"name":"photoTAN: The online banking procedure explained"}]},{"@type":"WebSite","@id":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/#website","url":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/","name":"REINER SCT","description":"","publisher":{"@id":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/#organization","name":"REINER SCT","url":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/#\/schema\/logo\/image\/","url":"http:\/\/wordpress.p707480.webspaceconfig.de\/wp-content\/uploads\/2024\/01\/cropped-REINER-SCT_LOGO_OhneSchatten_2000px_small.png","contentUrl":"http:\/\/wordpress.p707480.webspaceconfig.de\/wp-content\/uploads\/2024\/01\/cropped-REINER-SCT_LOGO_OhneSchatten_2000px_small.png","width":400,"height":53,"caption":"REINER SCT"},"image":{"@id":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/#\/schema\/person\/d709e449480bf461758f75e4581f67b7","name":"jan"}]}},"_links":{"self":[{"href":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wp-json\/wp\/v2\/posts\/8641","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wp-json\/wp\/v2\/comments?post=8641"}],"version-history":[{"count":1,"href":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wp-json\/wp\/v2\/posts\/8641\/revisions"}],"predecessor-version":[{"id":31878,"href":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wp-json\/wp\/v2\/posts\/8641\/revisions\/31878"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wp-json\/wp\/v2\/media\/10443"}],"wp:attachment":[{"href":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wp-json\/wp\/v2\/media?parent=8641"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wp-json\/wp\/v2\/categories?post=8641"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/wordpress.p707480.webspaceconfig.de\/en\/wp-json\/wp\/v2\/tags?post=8641"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}