How to use VPNs without compromising your banking apps

Using a VPN (Virtual Private Network) is a great way to secure your online activities. By encrypting your data and masking your IP address, a VPN helps prevent unauthorised access to your personal information. However, many users find that VPNs can sometimes complicate their online banking experience, as banks may block VPN connections to prevent potential security threats. Here’s how to navigate this issue without compromising the security of your banking transactions.

Why do some banks block VPNs

When you log in to your banking app, security measures are in place to ensure that only legitimate users can access the account. Many banks see VPNs as a potential red flag because VPNs alter your IP address and may make it appear as if you're accessing the account from an unusual location. This discrepancy can trigger security protocols that prevent access, blocking you out of your account. While this extra security layer is frustrating, it helps protect against unauthorised access.

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Steps to use VPNs with banking apps

Here are a few steps you can take to successfully use your banking apps without sacrificing the privacy benefits of your VPN:

1. Contact your bank's support team

If you’re having trouble logging into your account with a VPN enabled, your first step should be to reach out to your bank’s customer support. Some banks allow VPN connections if the customer verifies their identity through additional security steps. Customer support may also offer insights into compatible VPNs or provide solutions for smoother access to your account.

2. Use a trusted VPN

Some VPNs are more compatible with banking websites and apps than others. Hide Expert VPN, for instance, is a reliable choice, as it offers specialised servers optimised for secure browsing and minimises disruptions with banking apps. Switching to a compatible VPN may help resolve any connection issues with your banking app and provide added security when accessing sensitive information.

3. Disable the VPN when accessing banking apps

If your bank continues to block access with a VPN enabled, you may need to temporarily disable it while you use your banking app. Disabling your VPN on a secure, private network like your home Wi-Fi is a safe way to bypass these restrictions. Once you’ve completed your banking activities, simply re-enable the VPN. Many VPN service providers offer browser extensions or desktop widgets that allow you to toggle them on and off quickly.

4. Apply split tunnelling

Split tunnelling is a VPN feature that divides your internet traffic, sends some of it through an encrypted virtual private network tunnel, and routes the rest through a separate tunnel on the open network. Typically, split tunnelling will work in this context, letting you route your banking app on the normal connection while securing your other online activities with a VPN.

Learn more about split tunnelling.

5. Choose private networks over public Wi-Fi

For the highest level of security, avoid accessing banking apps over public Wi-Fi networks. Public Wi-Fi connections are more vulnerable to hacking attempts, as they’re accessible to a larger group of users. Instead, perform banking transactions on a secure private network whenever possible, as this provides an extra layer of protection.

Additional tips for secure VPN usage with banking apps

• Check VPN server locations: When using a VPN with your banking app, try connecting to a server location close to your actual location. This reduces the chances of triggering bank security measures that flag unusual login locations.
• Use Two-factor authentication (2FA): Enabling 2FA on your banking app adds a crucial security layer, requiring a secondary verification code along with your password. This measure helps secure your account even if VPN usage complicates your access.
• Keep your VPN updated: Many VPN providers continuously update their servers to improve compatibility with high-security websites. Regularly updating your VPN ensures you benefit from the latest security features and potentially smoother access to banking sites.

Stay secure and maintain access

VPNs provide an essential security layer, helping to encrypt your data and maintain privacy online. However, it’s essential to know when and how to adjust your VPN settings, especially when using high-security apps like online banking. With a few small adjustments—such as contacting support, using a compatible hide VPN service, split tunnelling and switching to private networks—you can maintain both your security and access to banking apps.