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While it is possible, I don't think the average consumer has a dedicated card reader and HBCI software. I just checked a few random banks and none of them even
by germanier 9y ago
While it is possible, I don't think the average consumer has a dedicated card reader and HBCI software. I just checked a few random banks and none of them even advertise that on their homepage. Most people use browser-based banking plus a way to generate transaction tokens (e.g. via SMS, smartphone apps, or a small token generator that takes input).
- kuschku 9y agoThe Commerzbank advertises it on the homepage of their online banking, and when you try to activate online banking, they suggest it, too. And the chip reader is required for the new Personalausweis anyway.
- germanier 9y agoUnless I am missing anything, Commerzbank has a small text on some of the sites "Using HBCI? This is how to activate". That's hardly advertising, nobody how doesn't already knows what this is about will click on that. All their interactions on the site seem to steer people to mobile or photo TAN. To me it looks like nobody actually uses the Personalausweis online. Just recently, companies have switched off their support (e.g. HUK or DKB). And the majority of the readers around are just RFID readers without any dedicated keys or display (which obviously is not a secure way) which can't be used for HBCI.