What we're doing

You can block your photoTAN yourself in our Online Banking. The block is effective immediately. For security reasons, we recommend that you block your photoTAN procedure in the following cases:

• Smartphone lost or sold.

• Suspected misuse.

In Online Banking

1. Log in to access your TAN settings.

2. Click on "Manage" in the "photoTAN" line.

3. Then click twice on the "Block photoTAN" button to confirm the blocking of the photoTAN procedure.

Note: If you are using several user numbers, carry out the process separately for each user number as described above.

On the phone

1. Get in touch with us. You can reach us around the clock: 24 hours - 7 days - worldwide.

2. Your photoTAN will be blocked by an employee.

When you connect to a Commerzbank online application, the Commerzbank system automatically identifies itself by means of a certificate issued by an independent authority. Your computer verifies the authenticity of this certificate before sending data to the Commerzbank system. The certificate guarantees that you are genuinely connected to the online system of the Commerzbank.

In order to use online applications you must first log on. To do this you must enter your user ID or user name together with your PIN code or password. This identifies you as the genuine user and ensures no one else can obtain access to your data. If the logon details are keyed in incorrectly three times in succession, access to the online account is automatically disabled.

All communication between your computer and the Commerzbank online applications is encrypted. The keys used are known only to your computer and to the Commerzbank system. For eavesdroppers, an encrypted message is no more than a string of apparently random characters.

The encryption prevents anyone other than you from deliberately changing the messages. And the Secure Socket Layer protocol in the online banking system effectively puts a stop to the possibility of strings being manipulated by random (“blind”) alteration of characters.

Each and every transaction has to be authorised by you. There are various methods of authorisation used by the Commerzbank online applications.

In the payment application Global Payment Plus, you authorise transactions with a digital signature which is read out for this purpose by means of your personal signature card using a USB stick. Please take care that your signature stick with the signature card as well as the related PIN are not accessible to other persons.

The security concept ensures that only one session under your user ID may be active at any one time. If there is an extended period without activity during a session, the session is automatically closed down. The same applies if the connection between your computer and the application fails for any reason: the session is automatically terminated.

Communication between your computer and the Commerzbank server is based on the Secure Socket Layer protocol (SSL).

TLS is the minimum standard in Germany, stipulated by the German Federal Office for Information Security (Bundesamt für Sicherheit in der Informationstechnik (BSI)). For communication by means of TLS the servers of both the sender and the recipient must be TLS-compatible. Commerzbank has been using this method for several years now.

PGP and S/MIME work with certificates and public keys. For these methods to function, the sender of an e-mail (in other words, Commerzbank) must have the recipient’s public key or certificate. The use of these individual encryption methods makes for a significant enhancement of security in comparison with the TLS method.