home banking

Home banking, telebanking, online banking or e-banking include all types of banking transactions that a bank customer can perform from his personal computer via the Internet. A prerequisite for home banking is a secure connection and access authorization for banking services.

In home banking, the customer logs into the bank's computer network using his personal computer, where he must authenticate himself. After authentication, he is granted access to his account and the corresponding banking services. The user can then carry out his banking transactions via the Internet. He can retrieve account statements and check them against the invoice, make transfers and standing orders, maintain his securities account and trade in securities.

For secure transactions, there are various PIN/ TAN procedures and the Home Banking Computer Interface( HBCI) introduced by the banking association.