I’m just scared that they’re saved with reversible encryption on the disk, then malware could steal them

  • SirQuackTheDuck@lemmy.world
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    10 months ago

    especially here in the US where transfers between banks take 2-3 days.

    *Laughs in SEPA Instant Transfer*

    Anyhow, locking and unlocking is an option. Using “3D Secure” systems - which require a secondary approval via an app or website - works significantly better, and chargebacks are one tap in a banking app (modern apps, so US might again be fucked here).