20 May 2026 - You’re waiting for a flight at OR Tambo, paying for coffee, or checking your balance while sitting in an Uber. Using a banking app on the go has become second nature for many South Africans. But public spaces can come with hidden risks, and a few small habits can go a long way in improving your online banking security.
The good news? You don’t need to be tech-savvy to stay protected. Here’s how to stay safe using banking apps in public without changing your whole routine.
Why public banking comes with risks
Picture this: You’re at a coffee shop waiting for your order, quickly transferring money while connected to free WiFi. Or checking your account in a busy waiting room while someone sits just a little too close. These everyday moments can create opportunities for cybercriminals.
Some of the biggest risks of using banking apps in public places include:
- Shoulder surfing: Someone nearby watching your screen or PIN
- Public WiFi risks: Unsecured networks that may expose personal information
- Phone theft: A stolen phone can quickly become a gateway to banking apps
- Fake messages and scams: Fraudsters pretending to be your bank through SMS, WhatsApp, or email
It sounds worrying, but a few simple behaviour changes can make a real difference to your mobile banking safety.
Is it safe to use banking apps on public WiFi?
The short answer? It’s better to avoid it when possible.
Free WiFi at malls, airports, cafés, and hotels may not always be secure. If you urgently need to bank while out, rather use your mobile data connection.
If public WiFi is your only option:
- Avoid making large payments or changing account details
- Never log in through links sent by SMS or email
- Double-check that you’re using your official banking app
These small habits improve your banking app security and help reduce unnecessary risk.
Simple ways to protect your bank account on your phone
Start with these practical habits when banking on your phone:
1. Lock your phone properly
Use fingerprint unlock, facial recognition, or a strong PIN; not easy guesses like birthdays or “1234.”
2. Avoid banking where people can easily see your screen
Whether you’re in a queue, airport lounge, or rideshare, be mindful of who’s nearby.
3. Keep your banking app updated
Updates often include important security fixes that strengthen online banking security.
4. Turn on banking notifications
Real-time alerts can help you spot suspicious activity quickly and protect your bank account before fraud escalates.
5. Watch out for fake messages
Banks won’t ask for passwords, PINs, or OTPs over WhatsApp, SMS, or email. If something feels urgent or suspicious, stop and verify it directly with your bank.
Knowing how to avoid banking scams on your phone often comes down to slowing down before clicking or sharing information.
Smart cybersecurity habits matter
Good cybersecurity tips don’t need to be complicated. Think of mobile banking the same way you think about your wallet: you wouldn’t leave it unattended on a café table.
The same mindset applies to your phone.
For added peace of mind, security software like ESET Home Security Premium can help protect your device from malicious links, phishing attempts, and other online threats that target everyday banking users.
Stay safe without overthinking it
Secure banking doesn’t mean avoiding your phone altogether. It simply means being a little more aware of where and how you bank.
Following these simple tipscan help you feel more confident when checking balances, making payments, or transferring money on the move.
A few smarter habits today can make a big difference tomorrow.