Thank you for the reply.
Yes I acknowledge me "being excessively paranoid" is certainly a fair and accurate description.
I am still quite the troglodyte when it comes to modern technology.
My (ignorant) belief is that it is 'safer' to access online banking via computer more so then on a mobile phone.
I do not have any anti-virus/security programs installed on my phone, only on my computer.
While overseas I will not have access to my Australian phone number and I won't know my international phone number until I arrive and purchase the SIM card.
There are probably ways around this which I will look into with a bit of research.
I do not trust putting my credit card details into my phone.
So that is the long-winded answer to "why I need to log into my bank account" while overseas.
If I can get around to setting up banking via a phone app, then I will learn towards that option.
From this thread it seems ultimately a VPN is beneficial, but arguably not essential for an overseas trip.
I don't have any security protection on my phone either, home we use Mcfee, although I've gone a few years with zip and or at least Windows defender apparently running. Only issue was the boy one night accessing Fortnight links and smothered the laptop with viruses. A full disk wipe, but preserving our data and reboot.
A few questions
Where are you going?
How long you going?
I'm not sure why you still want to do banking while traveling?
My strong recommendation from someone who travels alot in recent years
- Get a Roaming package before leaving with your telco, but limited in capacity, so 1GB data, receive sms
- Get a local Sim on arrival or when ever it suits for what ever you need
- Do not do any online banking, you have no reason to, you are on holidays I assume, time to focus on experiences not bank balances.
- Get auto SMS notification for your credit card transactions so you can monitor whats happening and with it your balance after the transaction. This is why you keep your Aussie Sim active, but data turned off.
(this has been standard in India and Dubai for a decade or more since we have been here, every transaction to any account we have, sms notification)
- Purchase train tickets, tour tickets, go shopping, what ever over your phone and/or laptop as you would back home. Prior to pressing send, check to make sure the message to say secure site comes up.
- If you buy something on a CC in a shop in person, never let it out of your sight, many shop keepers no longer even touch your card now, You do the work.
- Don't do financial transactions on free WIFI or ones at Cafe's
- Forget VPN - Chill enjoy your trip,
remember most people travel with their phone and do everything on their phone while travelling and nothing happens.