{"type":"document","data":{"id":"12896e8d-4481-46f9-a08f-3880d55c1ddb","localeString":"en-GB","publishDate":"2025-09-25T10:58:22.773+02:00","contentType":"onecms:editorialPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Does a pin code give the same security as a card reader? Our fraud expert explains."},"mainHeaderZone":{"componentType":"editorialHeader","coreHeader":{"title":"FAQ about mobile banking: card reader vs PIN","subtitle":"Nowadays, we do many things with our smartphone, including banking. But how secure is mobile banking? Our experts answer the five most frequently asked questions. Find the answer to the second question here.","body":"Second question we often get is if a pin code gives the same security as a card reader. Alexandre Pluvinage, our fraud expert, explains:"},"backLink":{"textLink":{"url":"/en/individuals/fraud-and-security/online-security","text":"Online security"}},"date":"2023-10-09","readingTime":3},"flexZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p>Discover the answer of our expert, Alexandre Pluvinage (30 sec).</p>"},"video":{"type":"video","originalUrl":"https://assets.ing.com/m/db722248824df1f/original/Vraag-antwoord-2_EN_V2.mp4","videoPreviewURLs":["https://assets.ing.com/m/db722248824df1f/1080p-Vraag-antwoord-2_EN_V2.mp4","https://assets.ing.com/m/db722248824df1f/480p-Vraag-antwoord-2_EN_V2.mp4","https://assets.ing.com/m/db722248824df1f/720p-Vraag-antwoord-2_EN_V2.mp4","https://assets.ing.com/m/db722248824df1f/mp4-Vraag-antwoord-2_EN_V2.mp4"],"thumbnails":{"mini":"https://assets.ing.com/m/db722248824df1f/mini-Vraag-antwoord-2_EN_V2.jpg","webimage":"https://assets.ing.com/m/db722248824df1f/webimage-Vraag-antwoord-2_EN_V2.jpg","thul":"https://assets.ing.com/m/db722248824df1f/thul-Vraag-antwoord-2_EN_V2.jpg"},"extension":["mp4"]}},{"componentType":"sectionTitle","title":"Curious about the other frequently asked questions?"},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"textLinks":[{"url":"/en/individuals/fraud-and-security/online-security/faq-mobilebanking-app-pc-vs-smartphone","text":"Question 1: PC vs smartphone?"},{"url":"/en/individuals/fraud-and-security/online-security/faq-mobilebanking-app-download-correct-app","text":"Question 3: which app is the right one?"},{"url":"/en/individuals/fraud-and-security/online-security/faq-mobilebanking-app-bank-details-sharing","text":"Question 4: are bank details shared?"},{"url":"/en/individuals/fraud-and-security/online-security/faq-mobilebanking-app-lost-smartphone","text":"Question 5: lost your smartphone, now what?"}]},{"componentType":"sectionTitle","title":"Want to know more about mobile banking?"},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"textLinks":[{"url":"/en/individuals/daily-banking/ing-banking-app","text":"Read all about digital banking and the possibilities"}]},{"componentType":"sectionTitle"},{"componentType":"paragraph"},{"componentType":"highlight","title":"Outsmart the scammers with the ING QR code","richBody":{"value":"<p>The ING QR code lets you log in to Home&apos;Bank or sign off on your transactions with extra protection in addition to your Card Reader: outsmart the scammers. Scammers will try to trick you, whereas the ING QR code screen on your smartphone will show what you&apos;re going to approve or sign off in. If something doesn&apos;t match up, stop. You may have just spotted a scam.</p><ul><li><a href=\"https://www.ing.be/en/individuals/daily-banking/ing-qr-code\">Not using the ING QR code yet? </a></li><li><a href=\"https://www.ing.be/en/individuals/fraud-and-security/online-fraud/itsme-fraud-protection\">Another protection is itsme®: read why</a></li></ul>"}}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Feeling unsure about banking apps?","body":"5 tips to convince you","image":{"transformBaseUrl":"https://assets.ing.com/transform/88d0fc68-94c1-4fde-a7ee-099983fb240f/bank-apps-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/76a36b6df6ce1861/original/bank-apps-1920.jpg","extension":"jpg"},"date":"2019-12-04","link":{"url":"/en/individuals/my-life/budget-tips/banking-app-facts"}}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p>The ING Banking app is available free of charge (apart from the costs of your telecom operator or certain transactions, such as international transfers) (SEPA) to all ING Banking subscription holders (subject to acceptance by ING and mutual agreement). All relevant information, such as the terms and conditions of the ING Banking services (annexed to ING’s General Regulations), the General Terms and Conditions of the ING Banking app, transaction fees, is available on www.ing.be, at your ING branch and by telephone on 02 464 60 04.</p>"}},{"componentType":"sectionTitle"},{"componentType":"sectionTitle"},{"componentType":"paragraph","richBody":{"value":"<p> </p><ul></ul>"}}]}}}