PSD2: Das müssen Deutsche-Bank-Kunden wissen

The European Union wants to make
banking safer and even more secure. That is why it has issued
the Payment Services Directive 2. Also known as PSD2. Starting in September 2019, PSD2
will regulate digital payment transactions in the EU. The new rules also mean changes in online
and mobile banking at Deutsche Bank. Let’s start with online banking. From 11 September 2019,
in addition to entering your Iogin information and PIN, you will also have to approve each login with a TAN. To generate a TAN

you can use the convenient photoTAN procedure. Scan the image with the
the free photoTAN app and log on to online banking
with the TAN you have just generated. Already using photoTAN?
Then all you have to do is update your photoTAN app starting,
in September to use push approval. After that you no longer even have
to scan the image when you log in. In online banking, simply choose
“photoTAN push” as your security procedure and klick on
“photoTAN push approval”. Confirm the request in the photoTAN
app on your smartphone. Then we will automatically send you
a photoTAN push approval to your smartphone
so that you can log in. Do you use mobileTAN? If so, we will send the TAN to your mobile
as usual by text messaging. Unfortunately, the iTAN procedure and the TAN-Block are no longer permitted under PSD2. If you still use the TAN-Block, you can switch to photoTAN
or mobileTAN. To do so, go to “Services” in online banking. Then click on “Security Procedures” and select one of
the TAN options. Without a valid TAN procedure, you will
no longer be able to use Deutsche Bank’s online banking services
starting 11 September 2019. Let’s talk about the Deutsche Bank Mobile app. Starting at the end of August
we will ask you to confirm that your smartphone is a trusted device
after opening the app. Select “Trust this device”, if you want to continue starting the mobile app
without entering a TAN. Confirm your selection
with a photoTAN. Now you can log on to the app as usual using a PIN, fingerprint or FaceID. If you don’t want to confirm
your smartphone as a trusted device, you will have to approve each login with a photoTAN
starting at the end of August 2019. However, improved security isn’t the only thing
the EU is aiming for with PSD2. It also wants to strengthen competition
and allow third-party providers to access your account data. When you, for example, buy insurance,
book a rental car, or buy concert tickets the provider will be able to access your account data, to check your balance or trigger payments directly. Provided you give it permission to do so. In future, you will be able to see
which providers are allowed to access what information
in the service section of online banking, under “Banking through third-party providers”. Do you use MultiBanking? If so, PSD2 means a few
changes for you here as well. When synchronising accounts, for example,
you will have to approve the process with a TAN along with
entering your login information and PIN. Which TAN procedure to use and
when you need to enter a TAN depends on the bank from which you want to obtain your data.

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