I trust it enough to use the feature, but I’ve got separate cards for online and in-person purchases. The online card is temporarily disabled in my bank app, and I only unblock it when I intend to use it. Takes like 30 seconds extra.
The in-person card is permanently unlocked for NFC and regular store transactions, but region locked to the country where I’m currently at, and transactions over $30 require the PIN.
DKB, the credit card for online purchases and the debit card for in person stuff. The app allows quite some micromanagement for card permissions.
On top of it I’ve got an account with wise.com where I can generate virtual cards, I do that frequently when traveling abroad to sign up for local taxi apps and other services I’ll never use again, then delete the card once I’m done.
And as an ultimate backup I’ve got an N26 account, just in case someone only accepts MasterCard. I don’t trust them one bit though and only carry a balance of 150 EUR or so on the card and top it up only when it’s exhausted.
Yep, been using both of them for ages. DKB for 20 years now, wise for almost 10. Never had a reason to complain, except for DKB as a broker, they are just way too expensive.
It being blocked still helps protect them if the card number gets snatched during a transaction. By the time the scammers are ready to use the card numbers, the card would be locked.
I trust it enough to use the feature, but I’ve got separate cards for online and in-person purchases. The online card is temporarily disabled in my bank app, and I only unblock it when I intend to use it. Takes like 30 seconds extra.
The in-person card is permanently unlocked for NFC and regular store transactions, but region locked to the country where I’m currently at, and transactions over $30 require the PIN.
Are you in the EU?
I’m an EU citizen and my cards are issued in the EU, but I live in Asia.
Which Bank? The one I use sucks ( financially and IT-sec wise)
DKB, the credit card for online purchases and the debit card for in person stuff. The app allows quite some micromanagement for card permissions.
On top of it I’ve got an account with wise.com where I can generate virtual cards, I do that frequently when traveling abroad to sign up for local taxi apps and other services I’ll never use again, then delete the card once I’m done.
And as an ultimate backup I’ve got an N26 account, just in case someone only accepts MasterCard. I don’t trust them one bit though and only carry a balance of 150 EUR or so on the card and top it up only when it’s exhausted.
Are you happy with DKB and Wise in all other ways?
Yep, been using both of them for ages. DKB for 20 years now, wise for almost 10. Never had a reason to complain, except for DKB as a broker, they are just way too expensive.
Out of curiosity, would it not take less than 30 seconds to type your CC numbers in online each time? I mean the month and ?ccv are easily memorable
It being blocked still helps protect them if the card number gets snatched during a transaction. By the time the scammers are ready to use the card numbers, the card would be locked.