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Public Wi‑Fi is everywhere—airports, hotels, coffee shops, restaurants, and shopping centers. While these networks are convenient, they can also expose you to cybersecurity risks if you're not careful.

One of the safest habits you can adopt is avoiding online banking and other financial activities while connected to public Wi‑Fi. If you need to check your bank account, transfer funds, or pay bills, it's best to use a trusted cellular connection or a secure VPN.

Is it safe to use online banking on public Wi‑Fi?

The answer depends on the network and your security practices.

The Federal Trade Commission (FTC) notes that public Wi‑Fi security has improved significantly because most modern websites and apps use encryption. However, scammers continue to exploit public networks using fake hotspots, malicious websites, and phishing techniques designed to steal sensitive information.

Even if your banking app encrypts your data, connecting through an untrusted network can increase your overall risk.

What are the risks of using banking apps on public Wi‑Fi?

Cybercriminals frequently target travelers and remote workers using public hotspots.

Potential threats include:

• Fake Wi‑Fi networks that mimic legitimate hotspots
• Phishing pages designed to capture usernames and passwords
• Malware downloads from malicious websites
• Session hijacking attacks
• Credential theft through unsecured connections

The FCC warns that public Wi‑Fi networks can expose sensitive financial information if users are not careful about how they connect and what information they transmit.

How do hackers create fake Wi‑Fi networks?

One common tactic is the "evil twin" attack.

A cybercriminal creates a hotspot with a name similar to a legitimate network, such as:

• Airport_Free_WiFi
• HotelGuestWiFi
• CoffeeShop_WiFi

Unsuspecting users connect to the fake network and unknowingly expose browsing activity, login credentials, and other sensitive information.

The FCC specifically recommends verifying hotspot names before connecting.

What should you do instead?

If you need to access financial information while away from home:

Use your mobile data connection

A cellular network is generally safer than an unknown public hotspot because it is managed by your mobile carrier and is less vulnerable to local network attacks.

Use a trusted VPN

A Virtual Private Network (VPN) encrypts traffic between your device and the internet, providing an additional layer of protection when using public networks. The FCC recommends considering a VPN when regularly using public Wi‑Fi.

Enable multi-factor authentication

Protect banking, email, and financial accounts with multi-factor authentication (MFA). Even if a password is compromised, MFA can help prevent unauthorized access.

How can you stay safe on public Wi‑Fi?

Follow these cybersecurity best practices:

• Verify the network name with staff.
• Use websites and apps that utilize HTTPS encryption.
• Keep devices updated.
• Avoid logging into financial accounts when possible.
• Turn off automatic Wi‑Fi connections.
• Use strong, unique passwords.
• Enable MFA on important accounts.
• Disconnect from Wi‑Fi when you're finished using it.

The bottom line

Public Wi‑Fi isn't always dangerous, but it's not the ideal place to access sensitive financial information. If you need to use your online banking app in public, protect yourself with a trusted VPN or use your cellular network instead.

A few extra precautions can help keep your money, personal information, and financial accounts safe from cybercriminals.

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