The first and foremost issue with online banking in Germany is that of security. Since your billing details are something you do not want to risk, ensuring 100% security while making transactions online is pivotal. In addition to this, if you are traveling and want to access your local bank app, it might be geo-blocked in Germany. So for these reasons, it is essential to use the best VPN for online banking in Germany.
Scams involving online banking have been widely reported in Germany and present a dire risk to users’ security. Billing details are required for accessing online banking services. There is a significant risk of information leakage during transactions on these platforms. To top this, since most banks operate locally, it is even harder to get access to your finances while you are in Germany.
You must ascertain that you take as many security measures as possible while making transactions using online banking services. If you’re trying to find ways to secure your banking app or website in Germany, you have approached the right source. This blog features some highly recommended VPNs that can help unblock online banking services in Germany and secure them too.
This article will discuss three of the best VPNs for accessing restricted banking websites in Germany, as well as the steps involved in bypassing such restrictions, methods to choose the best VPN, commonly-asked questions, and their answers.
Best VPN for Online Banking in Germany – Quick Overview
You can choose any one of the below-recommended as the best VPN for online banking in Germany, but your decision must be based on the features that these services provide, and their credibility.
- ExpressVPN – Best VPN for online banking in Germany; 3000+ servers in 94
+ countries; unblocks with the help of MediaStreamer; strong AES 256-bit encryption; IP and DNS leak protection; 30-day money-back guarantee.
- Surfshark – Budget-friendly VPN for online banking; purchase for a mere EUR 2.14/mo (US$ 2.30/mo) with 3 months FREE; Camouflage Mode and no-logs policy; connect unlimited devices simultaneously; utilize 7-day free trial for review.
- NordVPN – Largest server network for online banking; 5500+ servers in 60+ countries; ultra-fast connection speeds; secure VPN with DoubleVPN, Dark Web Monitor and obfuscation technology; NordLynx-powered servers; 30-day money-back guarantee.
How to Conduct Online Banking Securely with a VPN in Germany?
To make sure you can use online banking websites trouble-free in Germany, use the following 5-step instructional guide to enable the best VPN for online banking in Germany on your device:
- Get a subscription for a reliable VPN service that can provide you with security online. We recommend you get ExpressVPN.
- Download the software for your device offered by the VPN you have registered for. Install it.
- Connect to a server in a different location, preferably one supported by your bank if you aim to unblock the site.
- Navigate to the online banking site or app, and log in by entering the details required.
- Proceed to make transactions without any more worries about cybersecurity dangers.
Best VPNs for Online Banking in Germany – All in one place
Here’s a quick comparison of the best VPN for online banking in Germany:
|Starting price||EUR 6.2/mo (US$ 6.67/mo) (Get 49% Off + 3 Months FREE on its 12-Month Plan)||EUR 2.14/mo (US$ 2.30/mo) (Get 84% + 2 Months FREE on 2-Year Plan)||EUR 3.71/mo (US$ 3.99/mo) (Get 57% Off + 3 Months FREE on 2-Year Plan)|
|No. of countries||94||100+||+|
|No. of devices||5||Unlimited||6|
|OS supported||Windows, MacOS, iOS, Android, Linux||Windows, MacOS, iOS, Android, Linux||Windows, MacOS, iOS, Android, Linux, Smart TVs, Routers|
|Money-back guarantees||30 days||30 days||30 days|
|Payment methods||PayPal, Credit card, Bitcoin, PaymentWall||PayPal, Credit card||PayPal, Credit card, Google Pay, AmazonPay, ACH Transfer, Cash|
Why do you need a VPN for Online Banking in Germany?
You need a VPN to secure your online banking operation while connected to public Wi-Fi in Germany. This tool will encrypt your traffic, disabling the hackers present on the same network from gaining unauthorized access to your device and data.
Online banking hacks can cost you your employment, and your savings, and even place you in debt. Cybercriminals target banking systems through hacking, man-in-the-middle attacks, and other malicious tactics.
For this reason, banks employ additional security measures. Online banking remains protected with two-factor authentication and OTPs. However, sometimes even these security measures have flaws and they fail. Thus, to protect your bank account, or even for the purpose of unblocking your banking site in Germany with complete security, you must use a VPN service.
Below, we have consolidated some major reasons for using the best VPN for online banking in Germany:
- Secure your internet connection: If you must use a public Wi-Fi hotspot in Germany, make sure the connection is encrypted. You can avoid the security risks of connecting directly to the internet via public Wi-Fi by using an encrypted tunnel offered by a VPN instead. Your information will be untraceable after it has passed through this encryption pathway.
- Anonymize your activity online: Keep your internet identity a secret. When using a virtual private network, you can change your IP address in Germany and it will remain hidden from the public. Your internet banking session will go undetected by any hackers who may be monitoring your system.
- Encrypt your internet traffic: Protect your online communications by encrypting all data you send and receive. Since banks do encrypt their transaction system, your information is secured to a great extent, but only at the bank’s end. Therefore, you must utilize a VPN service to protect your information at both ends of the connection.
- Help you access your bank account: VPNs facilitate remote access to the funds in your account. It may be difficult to access your online banking system from in Germany. Since your bank’s website is more than likely to detect your IP address, using a VPN will help you remain undetected by masking your IP.
Best VPN for Online Banking in Germany– Detailed Analysis
After thoroughly testing multiple VPN services, we finally come across 3 VPN providers that we deem as the best VPN for online bankng in Germany. Go through their detailed analysis below:
1. ExpressVPN – Best VPN for Online Banking in Germany
- No. of servers: 3000+ in 94+ countries
- Split tunneling: Yes
- Server switches: Unlimited
- Uptime: 99.99%
- Kill Switch: Yes; Network Lock
- Supporting OS: Windows, Android, etc.
ExpressVPN is widely regarded as the best VPN for accessing blocked online financial services in Germany due to its superior unblocking capabilities for geo-restricted websites and platforms and its highly secure server base. Using any of ExpressVPN’s 3000+ servers in 94+ countries worldwide to hide your actual IP address is a breeze.
We experimented with a variety of online banking systems in Germanywhile connected to an ExpressVPN server and using the MediaStreamer feature to bypass geo-restrictions. In case you were wondering, our internet banking transactions went off without a hitch and at blinding speeds.
We also attempted to bypass restrictions in Germany on a few notoriously restrictive streaming services. ExpressVPN enabled us to safely and quickly access numerous Netflix regions, plus the BBC iPlayer and Disney Plus websites in Germany too. Thus, we believe in GermanyExpressVPN is safe for accessing any region-locked content.
Our ExpressVPN speed test in Germany revealed some encouraging findings, making our trust in this top-recommended service even more well-founded. We tested the speeds and found that downloads were achievable at 89.42 Mbps, and uploads at 84.64 Mbps, with the latency, just being 110 ms.
When it came to software compatibility, ExpressVPN also excelled. We discovered how ExpressVPN is one of the best VPNs for Android in Germany due to its easy set-up capacity. Similar was the case on Windows, Linux, iOS, macOS, etc. It is the best Mobile VPN in Germany as it supports a wide variety of mobile operating systems and allows for multiple connections simultaneously (up to five).
ExpressVPN’s elaborate range of privacy and security solutions guarantees full anonymity for users in Germany who want to conduct online banking. With features like military-grade 256-bit AES encryption, a strict ExpressVPN no-log policy in Germany, Network Lock, Threat Manager, IP and DNS leak prevention, etc., your online activities and data are kept safeguarded.
For an ExpressVPN cost in Germany of EUR 6.2/mo (US$ 6.67/mo) (Get 49% Off + 3 Months FREE on its 12-Month Plan), you get to use 7 days of a free trial of ExpressVPN in Germany. You may also make use of their 30-day money-back guarantee if you want to cancel your ExpressVPN subscription in Germany. In addition to this, using their 24/7 live chat feature helps with any VPN problems that arise.
Read the in-depth ExpressVPN review Germany on our website.
- Globally-spread server base of 3000+ servers
- IP and DNS prevention
- Strengthened encryption against public and private Wi-Fi services in Germany
- Stable connections for online transactions at all times
- Applications available for all the major platforms
- The obfuscation feature is activated automatically
- Expensive VPN service
- Capacity for only 5 simultaneous device connections
2. Surfshark – Budget-friendly VPN for Online Banking
- No. of servers: 3200+ in 100+ countries
- Logging policy: Zero-logs VPN
- Monitoring, tracking, or storing of data: None
- Kill switch: Yes
- Private DNS & leak protection: Yes
- Obfuscation: Through Camouflage Mode
Surfshark is a cheap VPN service in Germany in terms of cost for online banking. Gain access to 3200 servers in 100+ countries for as little as EUR 2.14/mo (US$ 2.30/mo) (Get 84% + 2 Months FREE on 2-Year Plan) In addition to all of that, Surfshark is a highly reliable VPN service, so you can rest assured that your online activity will remain completely private in Germany.
We attempted to access some geo-restricted online banking platforms in Germany after connecting to several Surfshark servers. The procedure for bypassing these geo-restrictions was made far too simple with the help of Surfshark. In addition to this, we tested Surfshark with Netflix in Germany, Hulu, and Disney Plus, all of which worked perfectly in favor of our unblocking spree. We didn’t detect any IP/DNS leaks with Surfshark while conducting an online transaction via public network.
The variety of speeds that Surfshark provides is a key factor in the app’s success at bypassing geo-filters. We were able to establish download and upload speeds after evaluating this range with a Surfshark speed test in Germany. We measured a download speed of 81.23 Mbps and an upload speed of 76.12 Mbps; both on average.
Surfshark is the best VPN for multiple devices in Germany because it permits an unlimited number of device connections concurrently. The Surfshark software is available for download on mobile devices running a wide variety of operating systems, including Windows, Android, and iOS. In addition, Surfshark works with Roku in Germany, Firestick, Smart TVs, Chromecast, and other streaming devices.
Due to its first-rate P2P networking, Surfshark may also be considered an excellent VPN for torrenting. With the IP address-changing technology that has been installed, you can surf the web safely and anonymously in Germany. NoBorders Mode, AES 256-bit encryption, IP and DNS leak prevention, a kill switch, etc. are all great examples of such security and privacy protocols.
You can also try a Surfshark free trial in Germany for 7 days, allowing you to try out the service risk-free before deciding to subscribe permanently. A 30-day money-back guarantee allows you to terminate your VPN service if you discover any discrepancies against the service description. Furthermore, Surfshark provides a live chat feature available 24/7, should you ever need assistance.
Read our in-depth Surfshark review Germany on our website.
- Low-cost VPN service
- Worldwide server base including 3200+ servers
- IP and DNS leaks are prevented
- Strengthened encryption against public and private Wi-Fi services in Germany
- Software for all major platforms
- Unlimited device connections at the same time
- A limited number of servers overall
- Apple software is weak
3. NordVPN – Largest Server Network for Online Banking
- No. of servers: 5500+ servers in 60+ countries
- Encryption: Next-generation 256-bit AES
- Logging policy: No-logs VPN
- Ad/malware blocker: Through the Threat Protection feature
- Secure connections: Through Meshnet
NordVPN has one of the largest server networks available. This, alongside its amazing security features, NordVPN may be regarded as the fastest VPN in Germany for internet banking as well as the best VPN with ad-blockers in Germany. Using one of its 5500+ servers located in 60+ countries, you can bypass geographical restrictions on most online banking sites in Germany.
Given our interest in locating a trustworthy VPN for use with online banking, we connected to a server run by NordVPN and attempted to access a few digital banking platforms in Germany. Getting past the geo-filters turned out to be very easy. We, then, also tried unblocking Amazon Prime Video and Netflix with NordVPN in Germany in unsupported regions, only to attain buffer-free access. We also checked it for leaks during online transactions, and didn’t find any:
Since NordVPN claims to be among the fastest VPNs, we ran a speed performance test to see how it performed in terms of download, upload, and latency times. According to the NordVPN speed test in Germany, a 100 Mbps connection with NordVPN will allow for downloads of up to 83.82 Mbps, uploads of up to 44.64 Mbps, and an average latency of 128 ms.
We tested NordVPN’s compatibility with a variety of platforms by connecting a wide array of devices through its apps. In fact, NordVPN is compatible with all of the most popular operating systems, including Windows, Android, iOS, macOS, and Linux. With NordVPN, you can bypass geo-restrictions in Germany on streaming devices like Kodi, Roku, PS4, and more.
Once you get to enable the kill switch with NordVPN in Germany, it prevents any and all disruption to your connection. Not only does NordVPN use 256-bit AES encryption, but it also has a Dark Web Monitor, DoubleVPN, DNS leak prevention, and more. You may get NordVPN now for the cost of EUR 3.71/mo (US$ 3.99/mo) (Get 57% Off + 3 Months FREE on 2-Year Plan).
In addition to the above, NordVPN provides a 7-day free trial in Germany for you to personally evaluate the service on your terms and a 30-day money-back guarantee to ease the process of cancellation of your subscription if needed. You can also utilize their 24/7 live chat for customer support and problem-solving.
Read our in-depth NordVPN review Germany on our website.
- Largst server base including 5500+ servers
- IP and DNS leaks prevented
- Strengthened encryption against public and private Wi-Fi services in Germany
- Stable connections all the time
- Software available for all major platforms
- Dark Web Monitor
- Torrent-friendly servers are limited
- Simultaneous streams limited to 6
Our Methodology to choose the Best VPNs for Online Banking in Germany
From the 3 options we have provided for VPN services, choosing the best VPN for online banking in Germany may still intimidate you due to the numerous features each VPN offers. If this is the case, you may utilize our methodology for selecting the perfect VPN.
Simply make a list of all the VPN features that you deem necessary in the VPN service you would want, and evaluate the available options on basis of your list. The VPN that offers the most amount of these features must be your go-to VPN.
Our list of features includes
1. Server choice
A server network consisting of a substantial amount of servers in the same location, as well as diverse locations all across the world, is necessary. Getting a VPN that has such a server base will help you unblock any and all banking services from your local region in Germany. A VPN service provider that brings more than 3000 servers, at the least, is the one you must choose.
Connecting to a VPN can be a hassle if it causes your internet to constantly slow down, making it difficult to finish off transactions on online banking platforms. This is why it is essential to evaluate the VPN provider’s connection speeds and latency rates. A VPN with connection rates of 100 Mbps or more is recommended for use when making online transactions or simply using banking apps in Germany.
Protecting your network from threats like spam and viruses on the internet is crucial. Your online banking experience in Germany will suffer, and your device could get infected if ads pop up every time you browse a new site. This is why security features like AES 256-bit encryption, DoubleVPN, WireGuard, kill switches, and ad blockers are essential to have in the VPN you choose.
4. Usability and Utility
Inadequately designed VPN software may prevent you from ever moving beyond the IP-masking stage. Therefore, it is essential to find a VPN service that provides a straightforward and intuitive UI to increase usability and utility. The user interface and specialized applications for various operating systems can each contribute to an overall sense of user-friendliness.
5. Unblocking ability
If your bank has an app or website that you can use on the go, but it is geo-restricted in Germany, it is highly likely that you will not get any online banking done in Germany. And this may be the time you need your financial assets the most. Thus, getting a VPN with good unblocking capacity is utterly important.
VPNs that can unblock strictly geo-restricted online services in Germany like Quontic Bank, Discover Bank, Axos Bank, etc., are the ones you must consider.
FAQs – Best VPNs for Online Banking in Germany
Can I use a free VPN to safely access online banking in Germany?
Yes, you can use a free VPN for online banking in Germany. We do not recommend it though, since even the best free VPN for online banking in Germany has multiple drawbacks. Though it may seem enticing to get a VPN without having to pay anything, you must remember that such brands have few servers, terribly weak encryption, and snail-paced speeds.
Some free VPN services have even tracked and mined user data for third-party marketers. Others have injected malware into their devices, causing severe damage.
Is a VPN not safe for online banking in Germany?
No, in fact, using a VPN for online banking in Germany is certainly secure and highly recommended. In fact, with a VPN, internet banking is much more secure than without one. If you do your banking over public Wi-Fi or your home network, a VPN will keep your information safe.
A VPN’s primary value is in the security it provides through encryption. Therefore, using a VPN makes it practically impossible for a hacker to break the industry-leading 256-bit encryption. The best VPN service to make sure that your online banking experience in Germany remains safeguarded is ExpressVPN.
Does my bank block VPNs in Germany?
Yes. While some banks in Germany allow VPNs, it is true that others frown upon the use of VPNs. Banks based in the US are popular for not supporting VPN services. Contrary to popular belief, this is not the case in all parts of the globe. A VPN provider such as ExpressVPN can get around a bank’s VPN restriction in Germany in all scenarios.
Online banking in Germany is quite risky in this modern day and age due to possible scamming and hacking attacks online. Even if you get a secure connection online, it often occurs that your baking site is not available in Germany, due to geo-restrictions. To access these geo-blocked banking sites in Germany or to secure them, you need to get the best VPN for online banking in Germany.
ExpressVPN is our top choice for bypassing geo-restrictions in Germany on the web and securing your information and activity online. ExpressVPN has been praised as a trustworthy VPN service due to its many easily accessible server locations; 160+ in 90+ countries. In addition, it is a VPN service that is both straightforward and extremely secure to use.
Without any more worries about your personal information being stolen or your device being infected with malware, get your premium VPN subscription today and start making swift and successful financial transactions instantly.