VPN para banca electrónica: ¿Necesita una?

Banks do all they can to keep your assets safe with them, but how long can they keep it up? In a world where personal data, money and other valuables are involved, stolen identities and cybercriminals are always a major concern.

With the evolution of online banking, using a VPN has been proven to be one of the best cybersecurity options if you’re looking to keep your online transactions safe. But is the use of a VPN when doing online banking the safest security option?

In this article, we will try to look deeper into what a VPN is, how it works, and why it is a safe bet against cybercriminals and other identity thefts. While we can affirm their extra layer of security, we’ll let you be the judge of that. Read on.

¿Qué es una VPN?

A VPN is a superb internet tool that keeps your online presence safe and secure. It works by encrypting your sensitive information, right from when it is still on your machine and redirects it to a secure tunnel to your destination. A VPN guarantees no one will have a chance to view your information – even your receiver will only see the data you sent, and not your origin IP address and actual location.

Therefore, a VPN is a perfect solution for users looking to keep their browsing activity completely anonymous.

¿Cuándo se puede utilizar una VPN para la banca electrónica?

• When handling sensitive information while doing online transactions, always use a VPN. Whether you’re trying to withdraw/ deposit your money, paying your employees, or requesting a loan, without a VPN, things can go wrong anytime. Hackers who can access and track your online activities can be disastrous once they have your personal data (financial statements, PINs, and ATM details).
• When you’re connecting to a public WiFi, remember to use a VPN. Hackers, phishers and other cybercriminals love attacking users connected to public WiFi networks. This is because it is easier than you’re connected to your private network. And once they get access to your financial statements, and account details, they will have control of your bank.
• While it might seem difficult to crack mobile apps, they’re also easy to track. And for experienced hackers, they can do both. Therefore it’s always safe to use a VPN when trying to access the internet from your phone. A VPN will mask your IP address and location, and give a new untraceable identity. That way, it’ll be hard for hackers to locate and track your app’s activity.

¿En qué casos no te va a ayudar una VPN?

• Cuando cambias continuamente de ubicación, los bancos siempre exigen que se les notifique cada vez que planeas salir del país por razones de seguridad. Por lo tanto, si sigues cambiando la ubicación de tu servidor VPN cada vez que utilizas la banca en línea, tu banco podría marcar la actividad como sospechosa. El banco actuará bloqueando sus transacciones en línea.
• Using a free VPN. We strongly discourage you from using a free VPN when accessing online banking. Free VPNs mostly rely on ads, and other adverts to finance their operations. These ads and adverts could be spoofed, thereby posing a major security threat.
• If you use a VPN to open unsecured sites. Sites that lack the HTTPS URL security are mostly suspicious and dangerous. In most cases, these sites are already infected, therefore, even if you use a VPN, there’s not much protection you’ll get. It gets worse when you’re using online banking at the same time, considering hackers like using such sites to access your personal
• Cuando no observas las prácticas estándar de Internet. Utilizar una VPN es estupendo y refuerza tu ciberseguridad. Sin embargo, su seguridad no servirá de nada si no tomas las precauciones correctas en Internet. Por ejemplo, no actualizar el antivirus, el sistema operativo o incluso el navegador puede ser peligroso. Las actualizaciones de software vienen acompañadas de los últimos avances en seguridad. Por lo tanto, un buen comportamiento en Internet es tan necesario como utilizar una VPN.
• Cuando no observas las prácticas estándar de contraseñas, en 2018, varias empresas - startups y grandes empresas por igual - experimentaron importantes violaciones de datos. Estos datos filtrados siguen ahí fuera y pueden ser utilizados en cualquier momento por los hackers para hacerte daño. Y si quedaste atrapado en las incidencias, entonces una VPN no te ayudará a escapar de estos criminales.

¿Es segura una VPN para la banca electrónica?

Yes, a VPN is an excellent internet tool for online banking. This is because the service adds an extra shield of protection against prying eyes of hackers and phishers.