The mobile token is a cryptographically generated code that is created directly on your smartphone by the MobileBanking app and is used in the authorisation of transactions. The cryptographic keys that are used are linked to the smartphone and are secured separately. The mobile token is additionally secured via the authorisation code (ATC) defined by you. From a technical perspective, there are two variants of the mobile token. In the first variant, i.e. for the signing process in the app, it is calculated in the background and transmitted without being seen by the user. For certain transactions, the mobile token can also be displayed and manually entered in the application (e.g. when switching to a new primary device).