Your Online Security is Important to us

There are currently e-mails with fake sender addresses in circulation that are directed at customers of German banks. These e-mails are used to attempt to obtain confidential customer data (account number, PIN, mTAN).

Please note: Raisin Bank will never request confidential data such as your account number, PIN or mTAN from you by e-mail, telephone or SMS, i.e. ask you to return or provide this data or directly enter access data.

If you suspect that your access data has become known to unauthorized persons, please change your PIN immediately in online banking under “Administration” – “My data”!

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Our Commitment to Online Security

Keeping your personal data secure when using the Online Banking System is our first priority. We therefore always comply with the latest security standards: a Firewall prevents unauthorized external access to data in our systems, while a multi-level encryption and identification system ensures that unauthorized persons cannot enquire about your data nor receive it nor make it readable

Firewall Protection

This keeps information stored in our systems protected from unauthorised access.

Online Banking with SSL Encryption / Security Certificate

When submitting personal data on the internet via the Online Banking System, your data is encrypted by SSL (Secure Sockets Layer). This encryption is identifiable because an ‘s’ is added to the ‘http’ of the internet address. The security certificate is a Symantec/Norton (formerly Verisign) Secure Site Pro Certificate with Extended Validation as well as regular Malware and vulnerability scanner.


If we submit data to partner banks on your behalf (e.g., for opening an account), this data is always encrypted with 2048 Bit PGP.


The PIN (Personal Identification Number) is your virtual key for accessing the Online Banking System of the bank. It is sufficient to enter the account number at Raisin Bank as well as the 6 to 16 digit PIN. The PIN does not authorize banking transactions such as transfers or deposit investments. The PIN only allows you to view account statements and the payments and transfers already made.

Mobile TAN

A mobile TAN (mTANs) will required to authorize financial transactions in the Online Banking System. When you initiate a transaction, a mobile TAN is generated and sent to your mobile phone by SMS

Automatic Logout due to Inactivity

After 15 minutes of inactivity you will be automatically logged out of the Online Banking System. The time remaining until automatic logout is displayed on every page. If you then wish to proceed further with the Online Banking System, you simply have to log in again.

Transactions to the Reference Account

When opening an account, you will provide a reference account. Retransfer of funds can only be made to this account. The reference account can only be changed in writing and with your signature and will also require an additional reference transaction.

Secure Personal Mailbox

You can find your mailbox in the secure Online Banking System. Your personal mailbox stores all electronic information you receive from or Raisin Bank. Raisin Bank will not send security-related information to your personal email address, only to your personal mailbox as this entirely secure. This guarantees that only you have access and that communication cannot be accessed by third parties, since messages to and from the mailbox are encrypted. You will receive an email to your private address when there are new messages in your mailbox.

Tips for Secure Online Banking
To ensure that your online banking activity at is secure, please note the following:
  • never asks for an mTAN when you log in to the Online Banking System!
  • never sends any emails to you requesting your access details!
  • never asks you to send your access details, PIN or an mTAN to us by email!
  • Always enter the URL for Raisin’s Online Banking System ( directly via the keyboard and make sure that only one browser window and ‘tab’ is open!
  • Be very careful when accessing internet pages whose address begins with an IP number rather than a domain name (e.g., http://1232.456.789/…) or whose address contains Raisin or Raisin Bank only as a sub-domain (e.g.,…) or contains a variation of Raisin’s or Raisin Bank’s name or other spelling variations (e.g.,…)!
For the Online Banking System:
  • Where possible, do not log in to the Online Banking System using a computer not belonging to you (e.g., at an internet café).
  • Change your PIN regularly and always use a combination of upper and lower case letters and numbers. Do not use combinations which contain or are related to your personal information, such as your name, date of birth, telephone number, postal code etc.
  • Do not make any online transactions if you suspect that your PC has been infected by a Trojan horse or virus.
  • Always use the button ‘Log out’ to leave the Online Banking System.
  • After leaving the Online Banking System, always delete the cache if you are not the only user of the computer. To do this
    • For Microsoft Internet Explorer: go to Tools  Internet Options  General  Temporary Internet Files  Delete
    • For Firefox: go to Extras  Settings  Privacy  Cache  Clear Now
    • For Chrome: click on the Chrome Menu  More Tools  Clear Browsing Data.
    • For Microsoft Internet Explorer, check the box “Do not save encrypted pages on hard disk” by clicking on Internet Options  Advanced  Security.
For your PC:
  • Always install the latest security updates recommended by the manufacturer.
  • Use Anti-Virus software and update it regularly – daily, if possible.
  • Use a Personal Firewall which provides additional protection to your PC.
  • Please make sure that your storage media are free of viruses.
  • Never use a ‘Form Manager’ or the ‘autocomplete’ function of your browser when filling out forms online. Otherwise, the data you enter can be saved to your computer and can be read by others.
For your Smart Phone:
  • Use anti-virus software and update it regularly (especially for non-Apple smart phones)