Security

5 Best VPNs for Online Banking in 2024

By Novak Bozovic / December 8, 2023

Online banking users regularly deal with potential cyber threats and privacy concerns during financial transactions. The added stress of circumventing geo-restrictions can be daunting, particularly for those traveling abroad. Furthermore, accessing banking services over public Wi-Fi poses significant security risks.

Luckily, resolving these issues is a breeze with the best VPN for online banking. A VPN provides an extra layer of security against cyber threats, ensuring private, secure financial transactions. This means that paying bills can be done safely while using public Wi-Fi. A VPN also helps bypass geo-restrictions, so you can access your bank’s services from anywhere. 

In this article, we'll delve into the top 5 banking VPNs, provide instructions for using a VPN to access your financial institutions online, and underscore the importance of using a VPN for banking. We'll also guide you in choosing a VPN that aligns with your requirements and address some frequently asked questions.

Best VPNs for Online Banking - Our Shortlist

  1. NordVPN – Our #1-Rated Best VPN for Online Banking
  2. Surfshark – VPN for Banking with Strong Security Features
  3. ExpressVPN – Banking VPN for Ultra-Secure Connections
  4. CyberGhost VPN – Safe VPN for Private Financial Transactions
  5. Private Internet Access – VPN with Protection for Digital Banking

How to Use a VPN for Banking Online

To use a VPN for online banking, subscribe to a VPN service compatible with your financial institution. Then connect to a server in a country where your bank is accessible. Follow these steps to easily set things up:

  1. Register for a VPN that is suitable for online banking (we recommend NordVPN).
  2. Download and install the VPN on your preferred device.
  3. Log in to the VPN for online banking.
  4. Connect to a server in a region where your banking services are available.
  5. Log in to your bank account. 
  6. That’s it! Now, you can start safely banking online from anywhere.

The Best VPNs for Online Banking

For help choosing the best VPN for online banking, check out our article on the top VPN providers for guidance. The ideal VPN should be capable of unblocking geo-restricted online banking services, facilitating easy and safe financial transactions. Make sure it has a large global server network for seamless banking access no matter where you’re located.

Next, prioritize performance and speed. Look for features like obfuscated servers, a kill switch, and split tunneling. A VPN should also offer robust privacy and security measures like OpenVPN and WireGuard protocols and AES 256-bit encryption. A no-logs policy is also a must-have to ensure your online activities remain confidential.

When choosing a VPN, ensure it supports multiple concurrent connections and is compatible with various devices, including smartphones and computers. It's also crucial to pick a VPN with reliable customer support available around the clock. Finally, opt for a service offering a money-back guarantee to provide you with a safety net if unsatisfied.

Given the above criteria, these are the top 5 VPNs for online banking:

1. NordVPN – Our #1-Rated Best VPN for Online Banking

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NordVPN is the best VPN for online banking due to its formidable network of over 5,900 servers across 60 countries. This extensive coverage enables users to access banking services in geo-restricted regions, thus bypassing any limitations and enhancing financial freedom globally.

This VPN excels with its fast speeds and dependable performance that ensure your financial transactions proceed without a hitch. With features like obfuscated servers and its Double VPN, NordVPN adds an extra layer of security to keep your financial data hidden. Its kill switch and split tunneling options also provide greater control over your online privacy.

With its robust AES 256-bit encryption, NordVPN offers exceptional safety for online banking. Its reliable security protocols—including OpenVPN, NordLynx, and IKEv2/IPsec—fortify users against potential cyber threats. Adding to its credibility is an independently audited no-log policy, which affirms that your sensitive financial data remains private.

NordVPN supports up to 6 simultaneous connections, accommodating devices like smartphones, tablets, computers, routers, and more. Users can test-drive the service with complete confidence thanks to its 30-day refund policy. Moreover, customer service is always available, offering 24/7 live chat for queries or issues.

PROS

  • Compatible with online banking platforms 
  • Quick and reliable connections
  • Robust security protocols
  • Round-the-clock customer support
  • 30-day money-back guarantee

CONS

  • On the expensive side

2. Surfshark – VPN for Banking with Strong Security Features

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Surfshark is an excellent VPN for banking offering access to more than 3,200 servers across 100 countries. Its extensive network coverage enables users to overcome geographic restrictions on banking services, allowing secure transactions no matter the location. 

When it comes to online banking, Surfshark's super-high speeds and stable performance are key advantages. Its obfuscated servers add security, while the kill switch feature provides fail-safe protection. Moreover, split tunneling facilitates selective data routing, empowering you to actively manage your digital protection measures.

With a Surfshark subscription, your online financial transactions are in safe hands. Adhering to a strict no-logs policy, this VPN uses unparalleled AES 256-bit and ChaCha20 encryption. Moreover, it employs protocols like WireGuard, OpenVPN, and IKEv2 to reinforce your safety, offering you peace of mind while you manage your finances digitally.

Surfshark offers the convenience of connecting unlimited devices, be it computers, smartphones, or tablets, a feature much appreciated in the era of digital transactions. The VPN provides round-the-clock customer support as well. Additionally, a 30-day refund period gives users the confidence to try the service without risky financial commitments.

PROS

  • Works well with banking platforms
  • AES 256 and ChaCha20 encryption
  • Offers strict no-logs policy
  • Supports unlimited simultaneous connections
  • 30-day refund period

CONS

  • Limited fine-tuning capabilities

3. ExpressVPN – Banking VPN for Ultra-Secure Connections

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ExpressVPN is a dependable banking VPN that supports over 3,000 servers spread across 105 nations worldwide. This vast infrastructure allows it to effectively unblock geo-restricted banking services, making it a valuable tool for those seeking unrestricted financial access on a global scale.

With ExpressVPN, you can enjoy swift and efficient online transactions thanks to its consistent performance and ultra-fast speeds. The Network Lock kill switch feature acts as a safety net, halting Internet traffic if the VPN connection drops. Furthermore, its split tunneling and obfuscated servers offer additional privacy to make your online banking worry-free.

ExpressVPN's protocols, including OpenVPN, Lightway, L2TP/IPsec, and IKEv2, provide secure connections for online banking activities. With AES 256-bit encryption, your data remains protected from potential threats. Additionally, the audited no-logs policy maintains your privacy while conducting online transactions. 

You can secure up to 8 devices with ExpressVPN, including smartphones, computers, tablets, and routers. If the service doesn't meet your expectations, it offers a 30-day refund policy, ensuring your satisfaction. Plus, there is 24/7 live chat customer support ready to assist whenever needed.

PROS

  • Compatible with online banking services
  • OpenVPN, Lightway, and L2TP/IPsec protocols
  • Solid geo-unblocking capabilities
  • Always-available customer service 
  • 30-day money-back policy

CONS

  • On the pricier side

4. CyberGhost VPN – Safe VPN for Private Financial Transactions

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Windows
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Linux
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Chrome
Firefox
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Amazon Fire TV
Nintendo Switch
Samsung Smart TV
All game consoles
All smart TVs
Roku
Parallel Connections
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CyberGhost, with its widespread network of 10,000+ servers in 100 countries, is a digital ally for online banking users. It conquers geographical restrictions on banking platforms, permitting access to financial services often unavailable in certain regions. Its vast reach and strong unblocking capabilities make it a reliable choice for secure banking over a VPN. 

With reliable performance and medium-fast connections, CyberGhost is a dependable choice. Although it doesn't offer obfuscation, it compensates with features like a kill switch and split tunneling. These options provide a secure and efficient online banking experience, guarding against potential cyber threats.

This VPN strictly adheres to a no-logs policy, providing users with added privacy during online banking. Its use of AES 256-bit encryption, coupled with protocols like WireGuard, OpenVPN, and IKEv2/IPsec, gives an extra edge in safeguarding sensitive financial transactions. This makes it a trustworthy choice for banking security.

CyberGhost is an ideal choice for the tech-savvy household with the capacity to connect 7 devices simultaneously, spanning computers to mobiles. Add a generous 45-day refund period and round-the-clock customer support, and you have a reliable ally in maintaining online privacy.

PROS

  • Performs well for digital banking
  • Strong security protocols
  • Offers a strict no-logs policy
  • Customer service is available anytime
  • 45-day refund policy 

CONS

  • Does not provide obfuscated servers

5. Private Internet Access – VPN with Protection for Digital Banking

Servers
Countries
Apps
Windows
Android
Mac
iOS
Linux
Router
Chrome
Firefox
PlayStation
Xbox
Amazon Fire TV
Nintendo Switch
Parallel Connections
Live Chat

With thousands of servers spanning 91 countries, Private Internet Access (PIA) makes it easy to use a VPN for online banking. It can unblock banking services in geo-restricted countries, granting you the ability to perform transactions regardless of your location. This makes global banking more convenient and accessible, all while keeping your identity secure.

With PIA, you can rely on steady performance at somewhat slower speeds. This is a trade-off for its functionalities, including obfuscation that helps mask your activities, a kill switch for sudden disconnections, and split tunneling that lets you decide what traffic goes through the VPN.

PIA equips users with reliable AES 256-bit encryption. Its WireGuard, IKEv2/IPsec, and OpenVPN protocols cater to diverse security needs. Moreover, the independently verified no-logs policy promises confidentiality for all your banking activities by ensuring none of your online actions are tracked, stored, or shared.

This VPN offers 24/7 customer support and provides a 30-day refund window should you be unsatisfied with their service. Additionally, PIA allows unlimited simultaneous connections on various devices, such as computers and smartphones, giving you the flexibility to stay connected at all times.

PROS

  • Integrates with Internet banking platforms
  • Unlimited simultaneous connections
  • WireGuard, IKEv2/IPsec, and OpenVPN protocols
  • 24/7 customer support available
  • 30-day money-back period

CONS

  • Slightly slower speeds than competition

Why Do You Need a VPN for Online Banking?

You need a VPN for online banking to enhance security by encrypting your data, masking your online activity, and protecting sensitive information like passwords and financial data from potential cyberattacks. Other reasons why you need a banking VPN include:

How to Choose the Best VPN for Online Banking?

To choose the best VPN for online banking, look for one with an extensive server network and solid security and privacy protocols. Additionally, a user-friendly interface and easy setup process are also important, as these ensure a seamless and hassle-free online banking experience. Other features to look for in a banking VPN include:

Final Thoughts

Using online banking platforms without a VPN may lead to restricted access to global banking services and insufficient privacy safeguards. A VPN for online banking activities is recommended to enhance your banking experience and protect yourself from unwarranted monitoring.

We recommend NordVPN as the best VPN for online banking. Using it ensures secure transactions, bypassing regional constraints and IP-based limitations. Furthermore, its expansive server network, no-logs policy, advanced VPN protocols, and dependable customer service make it an exceptional choice. 

FAQ

What’s the Best VPN for Online Banking?

The best VPN for online banking is NordVPN due to its superior speed and unassailable security. It provides an ultra-secure and seamless financial transaction experience.

Can You Use a VPN for Online Banking?

Yes, you can use a VPN for online banking, as it provides an additional layer of security by encrypting your data and hiding your IP address. However, choose a reliable and reputable VPN service to avoid potential risks or scams.

Is a VPN Safe for Online Banking?

Yes, VPNs are safe for online banking. They safeguard your personal information by encrypting your data and hiding your online activities, making it harder for cybercriminals to access your financial details.

Do Banks Block VPNs?

Yes, some banks do block VPNs as a security measure. This is mainly to protect their customers' banking information and prevent cybercrime.

Is Online Banking More Secure on a VPN?

Yes, online banking is generally more secure when using a VPN. This is because a VPN provides an extra layer of security by encrypting your data and making it more difficult for unauthorized third parties to access your personal information.

Can You Do Banking on a Public Network Using a VPN?

Yes, you can do banking on a public network using a VPN. In fact, we highly recommend you do so to encrypt your data and protect your login details. This will make banking transactions safer on unsecured, shared networks.

Can You Use a Free VPN for Online Banking?

Yes, you can use free VPNs for online banking, but we don’t recommend it. They often lack robust security features, making your data susceptible to cyber threats. Opt for one of the best VPN services for superior data encryption, stronger privacy, and more reliable connections.

That’s all for our guide on the best VPNs for online banking. If you have any questions, please leave a comment below. Thank you for reading!



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