VPN for bank account

Travel Forums Off Topic VPN for bank account

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1. Posted by itsmejerry04 (First Time Poster 1 posts) 2y Star this if you like it!

I can’t decide if I should get a VPN, while abroad. I would use it to check my bank account and credit cards, but that’s it. Can’t I just use cellular data for this? Wouldn’t that be secure? I don’t think it would use that much data. Does anyone have thoughts?

2. Posted by Andrew Mack (Travel Guru 1037 posts) 2y Star this if you like it!

I can't help with the technical pros/cons, but an Idea of where you intend travelling to and how long for may assist the more tech savy members.

3. Posted by Skandinavisk (Full Member 40 posts) 2y Star this if you like it!

Check with your bank. I use an bank-app on my phone and have a VPN on that. If I want to check my accounts on my phone I have to disable the VPN to be allowed to connect via the Bank app. I've asked my bank what the reason might be, and got the answer that the app has it's own VPN-code.

Same thing happends on my PC. The bank does not allow me having a VPN when doing my banking.

I know it's illogical, but nevertheless true.

4. Posted by greatgrandmaR (Travel Guru 1921 posts) 2y Star this if you like it!

I don't do much banking when I'm not home. So do check with your bank. If they have their own, then it would be redundant. But I would think it would be better to have it and not need it than to need it and not have it.

5. Posted by Teoni (Travel Guru 1527 posts) 2y Star this if you like it!

Most bank websites and apps will not work with a third party VPN. To be honest the VPN is really for when you're phone is connected to public WiFi as that is when your phone is at its most vulnerable. If your bank app has a fingerprint lock you should activate it as it is far more secure than a password. If you are really worried you could get a master password app.

6. Posted by Old Man At (Budding Member 49 posts) 2y Star this if you like it!

I'm not that tech savvy, but you might use a VPN for other things, like using certain censored apps abroad ( e.g. tindr or grindr) entertainment that only has rights to be published in certain countries (Netflix or Hulu ) or faking your location when using things like skyscanner to look for tickets or booking to look for hotels (prices vary based on your location)

I hope this post doesn't break forum rules, examples are for clarification only, not recommendations.

As for banks, I would say a bankapp is safe in general over public WiFi, using public WiFi to log in directly on their website may be less safe. But I m no expert so all disclaimers apply. If it is banking safety your worried about, using one a general VPN s is not that safe either. So you either host one from your home server while abroad or use a (pricy) certified server.

7. Posted by road to roam (Travel Guru 1026 posts) 2y Star this if you like it!

My bank has no problem when I log in with my VPN. That aside, it just makes sense to have one when you are on ANY public wi-fi ANYWHERE! They cost pennies per day. We have been on the road for almost 2 years and have conducted much personal business using our VPN on many public wi fi networks, in our home country and abroad, with no problems.

I did a TON of research before I settled on my VPN provider and I can say I have no regrets about using the service. Most providers offer free trials for several days or several weeks so you can give them a test run with your bank.

Forget about posing this question to the fraud department with your bank - they will tell you a VPN may or may not work.

My advice is to take advantage of a free trial and see if logging in with a VPN will work. Even if it doesn't, there are many benefits to using one abroad. Who knew your favorite news source back home may be off limits if you try accessing it from Thailand? With a VPN you can connect to a server in a more lenient country, from anywhere in the world, in order to access your website of choice.

In short, a VPN is useful for many things if you are traveling abroad, even if your bank has a problem with it. Any account with a password can be hacked on a public network anywhere without transferring your data with encryption from a VPN. Uncommon? Yes, Unheard of? No.Take full advantage of a free trial BEFORE you leave.

8. Posted by oblak (Inactive 23 posts) 2y Star this if you like it!

Just use https connection/encryption....that's what the banks automatically provide when you connect to them...if the banks are happy with https security you should be also....no need for a connection via proxy/VPN unless you want to display a different IP address to your bank.

9. Posted by road to roam (Travel Guru 1026 posts) 2y Star this if you like it!

Quoting Old Man At

... or faking your location when using things like skyscanner to look for tickets or booking to look for hotels (prices vary based on your location)

Indeed, there is much debate around whether or not spoofing your location with a VPN works for something like this, so I tried it myself about 8 months ago searching for flights (I wanted this to work so badly). I tried to be as scientific as possible by using a "control" computer and a "test subject" computer. Also, none of these computers contained a tracking cookie from any airline or Kayak/Priceline-type website. Search was done via Kayak with the same filters applied and, of course, the same flight details.

Computer 1: I was physically in Tucson at the time of research, searching for a flight FROM Tucson, with a Tucson IP address.

Computer 2: Searched for the same exact flight, with my spoofed location of New Jersey.

The argument being there is the outside chance that NOT being in Tucson (New Jersey in this case) means I am flexible and can decide to book a flight from Phoenix going to the same final destination, possibly on another carrier. Therefore, the airline will see this and give a customer like this a better deal over the customer with an IP address in Tucson, who likely lives in Tucson and would rather leave from Tucson or has little choice but to leave from there.

Result: Same price for the exact flights/dates I entered. I could have tried some other dates/destinations/a foreign IP address, etc., but frankly I ran out of patience.

Perhaps this works every now and then, but I wonder if more people would use this method if it was in fact reliable. There are so many variables I could have tried, but as for now I remain unconvinced as for now. Maybe I'll try again some day. :)

[ Edit: Edited on 06-Apr-2019, at 07:47 by road to roam ]