Online Banking

online banking


RBI offers its customers a range of applications to make it easier to do their banking online. It goes without saying that your security is very important to us.

Banks protect the transfer of confidential data by using a wide range of security measures. But customers can also make a decisive contribution to security. To avoid potential dangers, a number of fundamental points need to be considered:

  • Never disclose your customer data, not even by e-mail.
  • Never click on links in e-mails that purport to come from your bank. Create the links to your online applications manually and always use these to access them.
  • Do not enter your customer data if the bank website appears suspicious to you (e.g. typing errors, a request for information which you have never had to enter before, etc.). This could be an attempt at phishing!
  • Report each security incident (and the suspicion of it)!

Your data is in good hands at Raiffeisen. Our security features means that unauthorised access to your personal details is virtually impossible.

RBI will NEVER ask for customer and login data such as passwords, PINs, TANs, account numbers etc. BY E-MAIL or by telephone. Requests to enter passwords, PINs and TANs are made solely on websites secured by means of certificates. If you are unsure or have any questions, please contact your customer relationship manager by telephone.

Do you want to report a security issue? Please send an e-mail to

Fake e-mails

Watch out for the latest phishing e-mails!

The online applications of RBI use state-of-the-art security features. However, the alertness of bank customers is another important condition for avoiding fraud.

Fake e-mails targeting bank customers are currently in circulation. Bank customers are requested to click a link, which opens a copy of a fake RBI web page.

Warning: Please delete these e-mails immediately and never click on the links contained in them!

If you receive this kind of e-mail as an RBI customer, please note the following:

RBI will never send you an e-mail asking you to disclose or update secret banking details. If you do receive such an e-mail, you can assume that it is an attempt to deceive you. Please delete such e-mails immediately and never click on the links contained in them!

However, if you have forwarded your RBI customer details as a result of such an e-mail, please take the following steps:

  • Report the incident immediately to your customer relationship manager at RBI or send an e-mail to
  • Change your password in the affected application.
    Alternatively, you can block access to the application yourself by entering an incorrect password three times.
  • Regularly check the data and transactions in your RBI online application. If you notice any transactions that were not performed by you or another authorised user, please contact your customer relationship manager at RBI immediately.

Important Security Tips

There are relatively simple things you can do to increase your own security.

PC security check
Check the security settings on the PC each time you use an online application (active virus protection, active firewall, etc.). The current settings should be checked, especially on shared PCs, and the browser cache deleted immediately afterwards.

Browser security options
Security can be considerably enhanced by activating the security settings in your browser. Block the execution of ActiveX controls and only allow Java applets to run on request.

Check the URL
Store the internet address (URL) of the login page of your online application carefully and check the URL closely for whether your bank’s address is shown properly. Even a small difference could point to a fake website! Check the appearance of the login page and report surprising changes to your customer relationship manager immediately. Do not trust any request to enter your PIN at an unexpected point.

Check the certificate
The data transferred in online banking is encrypted by the banks with secure procedures. Only enter your passwords, PINs and TANs when you are on the secured page of your bank and an encrypted connection is in place. You can identify this by the "https://" at the beginning of the URL in the browser’s address bar.

You can also see a padlock symbol in the status bar at the bottom. Double-clicking on this padlock opens a window where you can check the certificate information. The certificates for encrypted websites of Raiffeisen always end with the domain "" or "".

Protection of data and login media
Protect your access data and login media against unauthorised access and do not save sensitive details on your hard drive. This could be accessed by unauthorised persons or special programmes. Above all, never save your passwords for logging onto the internet or for logging into online banking!

Secure password
Passwords should be hard to guess and changed on a regular basis. When registering for your RBI online applications, you will be asked to enter a secure password which has at least 8 characters and contains at least one number and one special symbol (e.g. %, &, * or ?).

Virus scanner and firewall
Essential nowadays is the use of a virus scanner which is constantly updated and therefore able to identify new viruses. A personal firewall protects against external attacks and monitors all the incoming and outgoing network traffic.

Use the latest programme versions
Use the latest version of your internet browser and operating system. Also regularly check the relevant manufacturer’s website for information on the latest bugfixes or patches. These little programmes close discovered security gaps and should be installed at the earliest opportunity.

Programmes from trusted sources
Only download programmes from the internet to your hard drive if you trust where they come from. Otherwise you run the risk of transferring Trojans of viruses. Never open e-mail attachments from unknown senders or with unknown content.

Regular security copies
Regular data backups, which are stored separately from the PC and protect against access by unauthorised persons, prevent important information from being lost.

Privent Data Misuse

Criminals are increasingly attempting to obtain personal details from banking customers over the internet in order to misuse them.

Fraudulent actions and attempts to spy on personal data can occur in various forms.

If you find yourself in one of the situations described below, please take the following measures:

Form of misuse
What protection is there?
What to do if data has been forwarded

A fraudulent e-mail asks you to enter or update your login data.

Delete the e-mail; never click on links and do not disclose any data.

Block access: call your customer relationship manager or enter an invalid password three times.

When signing a payment order

  • an unusual message appears
  • other access data or codes are requested
  • there is a system crash or the connection to the bank server is lost.
Cancel the procedure and do not enter a TAN under any circumstances! Immediately block access: call your customer relationship manager or enter an invalid password three times.

When logging in, other access data, codes or other information is requested, which is normally never asked for.

Never enter this additional information.

Immediately block access: call your customer relationship manager or enter an invalid password three times.

You receive an offer to make your account available for a fee.

Never accept offers, otherwise you will be engaging in a criminal transaction and will be suspected of being an accomplice. Notify the police.

If the payment has already been received, immediately reverse the transaction.
Notify the police.

In case of doubt, please contact your RBI customer relationship manager or send an e-mail to

You can find more information and security notes here:

FAQs on the topic of security

Money-laundering alert: Fraudsters use new tricks

Virus Protection

Viruses are malware which is infiltrated onto the PCs of internet users by fraudsters.

Viruses can cause all sorts of damage:

  • Changing the files of the infected computer, so that it becomes unusable (imminent loss of data!)
  • Spying on the user’s secret data and transmitting it to the fraudster (so-called Trojans). This involves scanning the hard drive for saved passwords. The entry of passwords into internet programmes can also be spied on.

How do viruses normally spread?

E-mails with viruses flood the e-mail inboxes of numerous users. These e-Mails have mostly fake sender addresses and therefore mask their origins, i.e. is not the true sender.

The e-mails usually have attachments that contain the actual virus. Common file extensions for the attachments include .com, .bat, .exe, .zip, .scr, .pif, .pps, .doc, .xls, .mov, .mpg, .jpg, .gif, .pdf,... These viruses can be activated by opening the attachments.

Viruses can also infect the user’s computer through filesharing (such as eMule, Limewire,...) and chat programmes (Skype, ICQ,...).

How can you protect yourself?

More Information