Unlocking Security: The Raiffeisen PhotoTAN System for E-Banking

In today's digital age, ensuring the security of online banking transactions is paramount. Raiffeisen PhotoTAN emerges as a cutting-edge security tool designed to enhance the login and transaction approval processes within Raiffeisen E-Banking. This innovative solution serves as a reliable alternative to the traditional SMS-TAN method, providing users with a seamless and secure banking experience.

What is Raiffeisen PhotoTAN?

Raiffeisen PhotoTAN is an advanced security feature that allows E-Banking customers to authenticate their logins and approve transactions with ease. By utilizing a unique color mosaic, this system ensures that sensitive data remains protected while offering a user-friendly interface. Customers can activate PhotoTAN by navigating to the E-Banking settings under "Contract Number" > "Settings" > "Security" > "Login Method." Detailed instructions for setup are readily available within the platform.

How Does Raiffeisen PhotoTAN Work?

The functionality of Raiffeisen PhotoTAN is both innovative and straightforward. When a user initiates a login or transaction, the Raiffeisen E-Banking system encodes the relevant data into a colorful mosaic. This mosaic is then displayed on the user's screen, ready to be captured by the camera on their smartphone.

Once the mosaic is photographed, the accompanying app on the smartphone decodes the information and presents the user with the necessary data and approval code. This process is secured by a one-time activation of the PhotoTAN app using a personal key mosaic, ensuring that only the user's smartphone can decrypt the displayed mosaic.

Seamless Integration with Raiffeisen Mobile Banking

For those utilizing Raiffeisen Mobile Banking, the PhotoTAN app offers an even more streamlined experience. The app automatically reads the code displayed on the screen in the background, eliminating the need for manual entry of the additional code. This feature not only saves time but also enhances the overall user experience by reducing the potential for errors during the transaction process.

No Internet or Phone Connection Required

One of the standout features of the Raiffeisen PhotoTAN system is its independence from internet or phone connectivity. Users can authenticate their transactions and logins without relying on a data connection, making it a reliable option even in areas with limited connectivity. This ensures that customers can manage their banking needs securely and efficiently, regardless of their location.

Legal Notice and Data Privacy

It is important to note that by downloading, installing, and using the Raiffeisen PhotoTAN application, third parties, such as Google, may infer an existing, past, or future customer relationship between you and Raiffeisen. By proceeding with the download, you explicitly agree that the data you provide to Google may be collected, transferred, processed, and made accessible according to their terms. It is crucial to distinguish between Google’s terms and the legal conditions set forth by Raiffeisen.

Conclusion: Embrace Enhanced Security with Raiffeisen PhotoTAN

In conclusion, Raiffeisen PhotoTAN represents a significant advancement in the realm of online banking security. By offering a unique, user-friendly method for transaction approval and login authentication, it empowers customers to manage their finances with confidence. With its innovative features, seamless integration with mobile banking, and independence from internet connectivity, Raiffeisen PhotoTAN is a must-have tool for anyone looking to enhance their online banking security.

For more information on Raiffeisen PhotoTAN and to get started, visit www.raiffeisen.ch/phototan.