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5 Best VPNs for Online Banking in 2024

Last updated August 9, 2024
Written by:
Novak Bozovic
Novak Bozovic
Senior VPN Editor
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Our experts have reviewed 53 VPN providers, which were put through extensive rounds of testing. To learn more about that process, here’s how we review VPNs, where we explain our criteria and our policy of being fully transparent.

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 a VPN. Using a suitable VPN will provide 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 help you find the best VPN for banking and recommend the top 5 ones. We'll also provide instructions for using a VPN to access your financial institutions online and underscore the importance of using a VPN. We'll also guide you in choosing a VPN that aligns with your requirements and address some frequently asked questions.

Quick Summary: Best VPNs for Banking

  1. NordVPN – Our Best-Rated VPN for Banking in 2024
  2. Surfshark – VPN for Banking with Strong Security Features
  3. ExpressVPN – Banking VPN for Fast and Ultra-Secure Connections
  4. CyberGhost VPN – Budget-Friendly VPN for Online Banking
  5. Private Internet Access – Customizable VPN for Banking Safely Online

Why You Can Trust TechNadu: Our experts have reviewed 53 VPN providers, which were put through extensive rounds of testing. To learn more about that process, here's how we review VPNs, where we explain our criteria and our policy of being fully transparent.

How to Safely Use a VPN for Online Banking?

If you want to bank online safely with a VPN, first 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 Banking in 2024

For help choosing the right VPN for you, check out our article on the best VPNs 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 strong protocols and military-grade 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 affordable pricing and a money-back guarantee to provide you with a safety net if unsatisfied.

Given the above criteria, these are the top 5 VPN services you can use for safe online banking:

1. NordVPN – Our Best-Rated VPN for Banking in 2024

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NordVPN is our top recommendation due to its formidable network of over 6,400 servers across 111 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-GCM and ChaCha20 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-logs policy, which affirms that your sensitive financial data remains private.

NordVPN supports up to 10 simultaneous connections, accommodating devices like smartphones, tablets, computers, routers, and more. It's also very affordable, offering a 2-year plan for as low as $3.39 per month. Users can test-drive NordVPN 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
  • Double VPN for added protection
  • Robust security protocols and encryption
  • Round-the-clock customer support
  • 30-day money-back guarantee

CONS

  • Obfuscation not on all servers

2. Surfshark – VPN for Banking with Strong Security Features

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Surfshark is an excellent VPN that offers 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 their location. 

When it comes to online banking, Surfshark's super-high speeds and stable performance are key advantages. Its automatic, network-wide obfuscation adds security, while the kill switch feature provides fail-safe protection in case your VPN connection is interrupted. 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-GCM and ChaCha20 encryption. Moreover, it employs secure 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. It also has very reasonable pricing, with a 2-year plan available for only $2.19 per month.

The VPN provides round-the-clock customer support as well. Additionally, a 30-day refund period gives users the confidence to try Surfshark without risky financial commitments.

PROS

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

CONS

  • Users have reported iOS issues

3. ExpressVPN – Banking VPN for Fast and Ultra-Secure Connections

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ExpressVPN is a dependable VPN that offers thousands of servers spread across 105 countries 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. Better yet, all its servers come equipped with automatic obfuscation.

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 allows you to protect your online banking activities while other traffic passes outside the VPN tunnel.

ExpressVPN's robust protocols, including OpenVPN, Lightway, and IKEv2, provide secure connections for online banking activities. With AES-256 and WolfSSL 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. One thing to keep in mind, however, is it is one of the more expensive providers. Its annual plan costs $6.67 monthly.

Luckily, 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. Check out our full ExpressVPN review to learn more about the service.

PROS

  • Compatible with online banking
  • Reliable Network Lock kill switch
  • Solid geo-unblocking capabilities
  • Automatic obfuscation on entire network
  • Always-available customer service 
  • 30-day money-back policy

CONS

  • Not very customizable

4. CyberGhost VPN – Budget-Friendly VPN for Online Banking

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CyberGhost, with its widespread network of thousands of 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 Internet banking. Its use of AES-256-GCM and ChaCha20 encryption, coupled with secure 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. It also has budget-friendly prices, so you can snag a 2-year deal for just $2.19 per month.

Add a generous 45-day refund period and round-the-clock customer support, and you have a reliable ally in maintaining online privacy. You can review our complete analysis of CyberGhost VPN for a more in-depth look at the service.

PROS

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

CONS

  • Does not have obfuscation

5. Private Internet Access – Customizable VPN for Banking Safely Online

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With thousands of servers spanning 91 countries, Private Internet Access (PIA) makes it easy to use a VPN for dealing with finances online. 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 average speeds. (You can lower your encryption level if you want to prioritize speed.) It also comes with obfuscation via the Shadowsocks proxy that helps mask your activities. On top of that, you'll get 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-GCM and ChaCha20 encryption. You can adjust your encryption level to the highest setting when banking. 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.

Additionally, PIA allows unlimited simultaneous connections on various devices, such as computers and smartphones, giving you the flexibility to stay connected at all times. It's also a great choice if you're watching your budget, offering a 2-year plan for $2.19 monthly. Lastly, it comes with 24/7 customer support and provides a 30-day refund window should you be unsatisfied with its service.

PROS

  • Supports Internet banking platforms
  • Unlimited simultaneous connections
  • Obfuscation via Shadowsocks proxy
  • Customizable encryption levels
  • 30-day money-back period

CONS

  • Somewhat complicated for VPN newbies

Should I Use a VPN for Online Banking?

You need a VPN for accessing banking services online 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 VPN include:

Tips on Choosing the Best VPN for Banking

To select a VPN for safely banking online, look for one with an extensive server network and solid security and privacy protocols. These ensure a seamless and hassle-free online banking experience. Other features to look for in a VPN include:

Final Thoughts

Using online banking platforms without a VPN may lead to restricted access to global banking services and insufficient privacy safeguards. This is especially true while traveling or using shared Wi-Fi networks. The best VPN for banking is recommended to enhance your banking experience and protect yourself from unwarranted monitoring.

NordVPN is our top choice for protecting your online financial matters. Using it ensures secure transactions thanks to its military-grade encryption. It makes it easy to bypass 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

Which VPN Is Best for Banking?

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

Can I Use a VPN for Banking?

Yes, you can use a VPN for banking. It's highly recommended 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.

What Is the Safest VPN for Banking?

The safest VPN for banking is NordVPN. It protects you with industry-leading security and privacy measures, including military-grade encryption, robust protocols, a reliable kill switch, obfuscation, and more.

Which Banks Block VPNs?

Bank of America and Wells Fargo, for example, are known for blocking VPN traffic as a security measure. This is mainly to protect their customers' banking information and prevent cybercrime. There are various other banks that also block VPNs.

Can Banks Trace VPNs?

No, technically banks can't trace VPNs. However, they can see the IP address of the VPN server you're connected to. If that IP address is known to be associated with VPN activity, this will alert them to your VPN usage.

Why Do Banks Not Like VPNs?

Banks don't like VPNs because they are often associated with fraudulent activity. VPNs can also make it more difficult for banks to verify your identity, which is a security risk.

Is ExpressVPN Safe for Banking?

Yes, ExpressVPN is safe for banking. It has strong security and privacy features that ensure your sensitive financial data is protected no matter what network you access it on.

Can I Access My Bank of America With a VPN?

You may have trouble accessing your Bank of America account with a VPN. Bank of America is notorious for blocking VPNs. You'll need a VPN with strong unblocking abilities and obfuscation to bypass the restrictions. As of the time of writing, we can confirm ExpressVPN works for this.

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



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