PhotoTAN

PhotoTAN is an essential tool designed to increase the security of your online banking experience with Raiffeisen. Its main functionality is to provide a secure way for logging in and approving transactions within Raiffeisen e-banking, offering an innovative layer of protection as an alternative to the traditional SMS-TAN.

Activating this application within your e-banking environment is a simple process. Just navigate to the settings under your contract number and select it as your preferred method for login authentication. Once set up, the app encodes sensitive login and transaction data into a color mosaic which is then captured using your smartphone's camera.

What distinguishes this technology from others is its bespoke encryption technique. After a one-time setup with an individualized key mosaic, only your smartphone is equipped to decrypt the displayed codes. This binds your banking activities to your device and drastically diminishes the risk of unauthorized access.

For individuals who also use Raiffeisen Mobile Banking on the same device, the integration of this technology simplifies authentication by automating the scanning and transferring of the code, obviating the need for manual entry and ensuring a smooth and efficient banking experience.

An additional benefit of the tool is that it does not require an internet or phone connection, allowing users to conduct secure banking transactions even while offline.

Please be aware, when you download the software, that third parties like Google may register your use as associated with Raiffeisen. By continuing with the download, you acknowledge and accept Google's data collection policies which are distinct from Raiffeisen's terms.

In conclusion, for those seeking a sophisticated and secure method to handle e-banking with Raiffeisen, this app is indispensable, expertly combining ease of operation with strong security features.