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Is it safe to log into my bank website over a public wifi (like a coffee shop)?

I apologize if this is a really dumb question. I realize that the connection between the browser and bank servers should be encrypted, however I'm wondering if there are any other "gotchas".

Thanks so much!

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threats over public wifi here… –  BlueBerry - Vignesh4303 Apr 25 '13 at 13:54
It's not safe to even have a web enabled bank account. If your account has more than $50,000 in it, it is only a question of time before it gets hacked, regardless of whether you use public Wifi or not. If you have less than $10,000 in the account, noone will bother hacking it. –  Tyler Durden Jun 11 '14 at 0:50

2 Answers 2

If your bank Web site uses HTTPS, and you dutifully check that the server name in the URL is indeed the expected name, and you don't disregard warnings about unverified or expired certificates, then yes, it is safe.

If these conditions are not met, then no, it is not safe -- but it would not be safe from anywhere else either. Public WiFi is not special in that matter.

What may make public WiFi especially unsafe is that public WiFi occurs in public areas. Public areas are full of strangers. When you enter your bank password, you don't want weird people to spy on your keyboard or tablet screen. That kind of physical security is quite harder to achieve in a park or a restaurant, than in the privacy of your home.

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Public WiFi is also often unencrypted which allows other connected devices to read packets in transit. I would consider this a significantly higher risk than using a wired connection at home. (Still a risk, but I would argue a much smaller risk.) –  Nathan Osman Jul 6 at 20:05

Connecting to your bank over any WiFi that you do not absolutely trust is a mistake (in case you have a lot of money, of course). While in theory checking the URL and warnings does provide a level of assurance that you're not being MITM-ed (traffic is not intercepted), there are tools that work most of the time by utilising, for example, homonymic domain names.


There are also tools that will fake any BSSID (wifi station ID) that your wireless device is looking for, and then do their interception.


P.S. In theory, theory and practice are the same. In practice, they are different.

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Can someone explain why this answer doesn't have any upvotes? It seems like a good answer? –  Kevin Wheeler Sep 9 at 20:22
@KevinWheeler I think my answer wasn't along the "scare everyone" tactic that many in the security profession prefer. Most of "advice" repeated by newbies is, unfortunately, crap. –  Vitaly Osipov Sep 11 at 17:19

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