Postbank nervt

“Bestimmt haben unsere Kunden Langeweile”, dachte sich wohl die Postbank und kam auf eine grandiose Idee, wie sich das beheben ließe. Online-Überweisungen kann man nämlich seit neuestem nicht mehr bequem, schnell und sicher mit indizierten TANS von einer Liste tätigen. Man ist vielmehr gezwungen, bei Überweisungen von mehr als 1.000 Euro mobil-TANs zu nehmen, die die Postbank per SMS auf das Mobiltelefon sendet.

Wer kommt bloß auf so etwas? Als wenn das eine besonders sichere Sache wäre. Die Wahrscheinlichkeit, dass mein Handy geklaut wird, ist um den Faktor 10 höher als die Wahrscheinlichkeit, dass man mir meine TAN-Liste aus dem Chaos auf dem heimischen Schreibtisch klaubt. Und mit der Abhörsicherheit von Mobilfunkverbindungen ist es ja nun auch nicht so besonders gut bestellt. Etliche Handys können auch über offene Bluetooth-Verbindungen gehackt werden.

All das ficht die Postbank nicht an. Man wird gezwungen, sich an diesem Schwachsinn zu beteiligen. Mit allen Schikanen. Denn es genügt nicht, einfach eine Handynummer einzugeben, an die künftig die TANs geschickt werden sollen. Nein, man muss erst einen Bestätigungscode eingeben, der per SMS ankam. Und dieser will noch einmal per “normaler” TAN bestätigt werden. Und dann muss das Ganze auch noch per unterschriebenem Antrag mit der Schneckenpost zur Postbank geschickt werden. Der Antrag will natürlich zuvor ausgedruckt werden - was heißt dass ich erst einmal an einen anderen Rechner mit Drucker gehen muss. Da hilft es ungemein, dass der Antrag nicht als pdf, sondern als html-Seite angezeigt wird.

Und wenn das Handy geklaut wird oder man die Mobilnummer wechselt, darf man den ganzen Zirkus nochmal machen. Vielen Dank auch, liebe Postbank, für diesen schönen Sonntagnachmittag-Zeitvertreib!

197 Kommentare zu “Postbank nervt”

  1. VolkerD sagt:

    Ich bin zwar kein Mitarbeiter der Postbank aber jahrelanger Nutzer (und damit Kummer gewohnt), aber ist es nicht einfacher bei den Einstellungen unter Sicherheit das Auftragslimit zu ändern (dann sollte das Ganze normal funktionieren).

  2. Holger sagt:

    Das klappt - wenn ich die Mitteilung der Postbank richtig interpretiere - so einfach nicht. Man kann sich dem ganzen nur verweigern, wenn man schriftlich per gesondertem Antrag bestätigt, kein Handy zu haben (siehe hier

  3. Speedfreak sagt:

    Aber: Wer sich einen Trojaner einfängt, der vortäuscht, dass Deine Überweisung im Internetbanking so läuft wie du es willst und in Wirklichkeit an Mr. X überweist, der hat mit dem System per Handy doch eine zusätzliche Sicherheitsschwelle, oder? Denn der der Postbank gesendete Betrag / Empfänger / Kontoverbindung wird einem doch aufs Handy geschickt, gemeinsam mit der TAN. Soweit ich weiss…

  4. Holger sagt:

    Von so nem Trojaner hab ich zwar noch nicht gehört. Wenn es ihn gibt, dann könnte er ja aber auch vortäuschen, dass eine TAN für ne Überweisung an Mr. Right angefordert wird, tatsächlich aber an Mr. Evil überweisen, oder?

  5. Speedfreak sagt:

    Solche Trojaner gibt es. Das ist mir ja passiert: Ich wollte an einen Kollegen ca. 15 Euro überweisen (mit indizierter TAN-Liste), und der Trojaner gaukelte mir vor, alles laufe so wie geplant. An die Postbank hat der Trojaner dann zwar die korrekte TAN gesendet, aber einen Betrag von 2500 Euro an einen anderen Empfänger mit anderen Bankverbindung. Ein sogenannter Januskopf-Trojaner mit zwei Gesichtern.

    Soweit ich weiß, läuft es mit der mTAN so, dass man Empfänger und Bankverbindung eingibt, man dann diese Informationen per SMS gemeinsam mit der TAN aufs Handy erhält und dann die TAN eingeben muss. Würde ein Trojaner andere Daten an die Postbank senden als von mir gewollt, würde ich diese falschen Daten auf dem Handy sehen und könnte die Transaktion abbrechen (und meine Festplatte formatieren, aber die Reinigungsarbeiten sind ein anderes Thema…).

    Soweit mein Verständnis, wie die mTAN einen zusätzlichen Schutz gegen Computerbetrug bietet.

    PS: Ich habe das Geld dann von der Postbank aus Kulanz wiederbekommen, vielleicht auch deshalb, weil ich den Schaden schon wenige Stunden später bemerkte und sofort die Postbank informierte.

  6. Andreas sagt:

    Aus Kulanz gibt einem eine Bank sicher kein Geld, das System ist einfach unsicher aber der verursachte Schaden ist zu gering ;)

    Ich selbst habe der Postbank den Rücken gekehrt als die von mir 0,75 EUR je Überweisung verlangten. Jetzt bin ich bei der Hypo und kann Überweisungen am Terminal ausführen und bekomme einen Ausdruck. Dank technikfeindlicher und überalternder Gesellschaft muss ich mir hoffentlich keine Sorgen um die Pflicht zum Online-Banken machen ;)

  7. Holger sagt:

    @Speedfreak
    Ok, das ist dann natürlich schon ein gewichtiges Argument für die mobil-TAN. Wobei mir unverständlich ist, warum die Postbank das erstens so nicht kommuniziert und mich dann zweitens zu meinem Glück zwingen will. Man könnte ja die Gefahren der i-TAN schildern und dann die Kunden entscheiden lassen, ob sie deshalb zur m-TAN wechseln wollen.

  8. rudi sagt:

    Egal, welche TAN; es wird IMMER ein Restrisiko bleiben! Warum also nicht zurück zur altmodischen Papierüberweisung? Aber das würde ja bedeuten, dass wir unseren Sessel verlassen müssen und doch TATSÄCHLICH Schuhe anziehen müssten und dann auch noch wohlmöglich zu Fuss zur Bank……….. :-)
    NEIN (!), dass kann man von einem modernen Menschen nicht verlangen! Wozu gibt es denn all’ diese Neuerungen in unserem Leben? Damit wir es bequem haben und Zeit gewinnen! Zugegeben, die Post hat es noch nicht wirklich verstanden, seine Kunden beim Zeitgewinnen und der Bequemlichkeit wirklich zu unterstützen, doch hiermit gibt sich die Post doch wohl auch nur alle Mühe, die Menschen in Kilometer langen Schlangen vor den Schaltern eines besseren zu überzeugen und sie wieder ZUSAMMEN zu fügen; diese Menschen, die sich keine Schuhe mehr anziehen wollen und sonst hinter ihren grauen Betonfassaden vereinsamen würden, während sie online vom Leben da draussen gar nichts mehr mit bekommen…….
    Also Leute: was hatten wir Angst vor Plastikgeld und welch rasante Wendung hin zu einem solchen Aufschrei über mTans der Post hat es bisher gegeben? Ich selber bin ein sehr eifriger Nutzer des Computers und habe ihn mit all’ seinen Schwächen geradezu lieb gewonnen. Dass es mit seinem Erscheinen in meinem Leben noch immer Probleme gibt habe ich verstanden und ich habe verstanden, dass es mit meinem ‘Freund’ auch Leute, mit sich gebracht hat, die scheinbar jede Neuerung mit ihrem Arsch wieder erstmal einen solchen Drall verpassen, dass diese ‘Moderne’ zunächst einmal wieder in den Orbit landet! Aber ‘mal ehrlich: Hacker haben ihr Faible zum Beruf gemacht und bei der Post ist der Beruf nun wirklich keine Berufung, geschweige denn Leidenschaft…..
    Nun möchte ich die Post aber auch nicht zu sehr beleidigen, denn GENAU DIESE Langsamkeit des Seins befördert mich manchmal wieder in den geborgenen Schoss der spät-industriellen Welt. Langsamkeit und Reformbedürfnis beflügeln mich also :-)
    Nein, mir fällt adhoc auch kein sicherer Weg hin zur Überweisung ein, aber hiermit und wie mit allen Dingen halte ich es so: Gefällt mir eine Dienstleistung nicht, bemühe ich eine andere (so verfügbar). Manchmal muss ich dann aber auch meinen Allerwertesten bewegen………
    Wer das nicht möchte (sich bewegen), der möge die Schnauze halten.
    Denn bedenket: Unser aller Welt ist zwar vermeintlich bequemer geworden, aber auch TEURER und so lässt sich vielleicht ein Beitrag zur Ersparnis schaffen, wenn wir uns wieder mehr ‘bewegen’!
    Ausserdem ist ‘all die gewonnene Zeit auch nicht gerade billig……… Das merkt man z.B., wenn man Urlaub hat!
    Wobei; ich könnte mir vorstellen, dass dann so mancher am Computer sitzt und sich über Überweisungsmöglichkeiten den Kopf ärgerlich stimmt, während man bei einer Wanderung in den Alpen diese Zeit des Ausruhens doch besser verbracht hätte, aber ich schweife gänzlich ab……………….
    Viel Spass noch mit der Post und dem Computer, dem Handy und sonstigem Neuzeitgemüll

  9. Holger sagt:

    Klar kann man sein Postbank-Konto kündigen und woanders hingehen. Vielleicht sogar zu einer Bank, wo man noch die guten alten Papier-Überweisungen pflegt. Bislang war ich allerdings mit der Postbank immer recht zufrieden. Und nicht zu vergessen: So ein Kontowechsel bringt erhebliche Transaktionskosten mit sich.

  10. Speedfreak sagt:

    Die Postbank bietet Papierüberweisungen doch an. Kann man entweder in die Filiale tragen oder im Spezialumschlag für Null Cent in den Briefkasten schmeißen. Ein wunderbares, archaisches Prinzip! (Das ich seit meinem “Vorfall” mit dem Trojaner nutze…)

    Ist zwar ein bisschen langsamer und unbequemer als Internetbanking, zumal ich mir auch die Kontoauszüge in der Filiale hole, aber auch nur ein bisschen.

  11. Holger sagt:

    Wusste gar nicht, dass es die Spezialumschläge noch gibt. Die waren damals ™ für mich ein Grund, mein Konto bei der Deutschen Bundespost :-) zu führen.

    Eine mögliche Erklärung für den seltsamen mTAN-Zwang findet sich hier im letzten Absatz: Bei der mTAN braucht die Postbank bei Missbrauch grundsätzlich nicht haften.

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