Banking Association: You can use almost any smartphone to pay at the checkout and do your banking.
However, from time to time it may be necessary to replace your smartphone with a newer device.
In two steps you can switch your stored digital cards and move your mobile banking to the new device.
When you do online banking with your smartphone, you usually have two apps on your device: your bank's app and, if necessary, a TAN app to authorize payments.
If you also pay with your smartphone, your digital card is stored in your wallet, the “virtual purse”.
Depending on the offer, this is either a girocard or another debit card or your credit card.
The wallet is either your bank's own app or the manufacturer's wallet, for example Google Pay and Apple Pay.
First step: Install apps on new smartphone
When changing smartphones, data and apps can be transferred directly from an old device to the new smartphone.
Of course, the corresponding banking apps and often the digital cards are also transferred.
For security reasons, the TAN app and the cards in the wallet must be activated on the new device.
You can usually use the existing TAN procedure, for example on the old device.
If in doubt, your bank will be happy to help you.
To install your banking app, you usually need your online banking login details or other security features.
Allow some time for the change: The bank may activate the TAN app in particular with a slight delay in order to minimize security risks.
Therefore, please check with your bank before changing devices.
Your bank will support you personally, but also with information on its website.
Second step: Uninstall apps and maps on the old phone
Only uninstall banking and TAN apps and the digital card from your old device after you have changed your mobile phone.
Resetting your smartphone to factory settings will also uninstall the apps and digital card.
It is important to know that resetting will actually delete all apps and data on your device at once and immediately.
This option is only suitable if you actually do not want to continue using your smartphone yourself.
Block banking access and digital card in case of loss or theft
Unlike when you change your smartphone, if it is lost or stolen, you will have to have both your access to online banking and your digital card blocked.
You can use your bank's blocking telephone numbers for this. You can usually find these on their website.
You can also use the central emergency number, which is available around the clock, for example 116 116 nationwide or, if you are abroad, +49 30 4050 4050.
Also contact your mobile operator so that they can deactivate the smartphone and SIM card. This will protect your data.
If the smartphone is stolen, you should also report it to the police.
