Online banking
Your bank already encrypts its website. A VPN adds a layer between you and the VPN server, and keeps the names of the sites you visit away from the local network.
VPNs and online bankingEncryption and protocols
Encryption is what turns a VPN from a detour into a private tunnel. DarkMatter uses AES-256, a widely used, openly published cipher, so the networks between you and the VPN server see scrambled data.
What it is
In short
AES-256 is a symmetric encryption cipher: the same secret key scrambles and unscrambles data. The 256 is the length of that key in bits. In a VPN, data is encrypted on your device before it leaves and decrypted at the VPN server, so anyone watching in between sees only scrambled data.
How it works
Encryption in a VPN happens in two stages: agreeing secret keys, then using them to scramble your data.
Two rows. Row one, unprotected data on shared Wi-Fi: data your device sends without encryption crosses the Wi-Fi network in readable form, where someone watching could read it, before reaching the website. Row two, inside an encrypted VPN tunnel: your device encrypts the data with a cipher such as AES-256, the shared Wi-Fi sees only scrambled data, and the VPN server decrypts it and sends it on. This shows how encryption works in general.
Two rows. Row one, unprotected data on shared Wi-Fi: data your device sends without encryption crosses the Wi-Fi network in readable form, where someone watching could read it, before reaching the website. Row two, inside an encrypted VPN tunnel: your device encrypts the data with a cipher such as AES-256, the shared Wi-Fi sees only scrambled data, and the VPN server decrypts it and sends it on. This shows how encryption works in general.
A 256-bit key has an astronomically large number of possible values, far too many to try one by one. That’s why attacks on well-implemented encryption tend to target other things, such as stolen passwords or compromised devices, rather than the cipher itself.
Not every VPN protocol uses the same cipher. WireGuard, for example, is designed around ChaCha20-Poly1305, another modern cipher. The protocols you can choose depend on your device.
Why it matters
Encryption earns its keep whenever your traffic crosses a network someone else runs.
Your bank already encrypts its website. A VPN adds a layer between you and the VPN server, and keeps the names of the sites you visit away from the local network.
VPNs and online bankingOn a shared network, unprotected traffic can be watched. Inside the tunnel, the network sees scrambled data heading to a VPN server.
Using a VPN on public Wi-FiCafés, co-working spaces and hotels put your traffic on networks you don’t control. Encryption means those networks see only scrambled data.
VPNs for remote workSide by side
| HTTPS only | VPN tunnel only | HTTPS inside a VPN tunnel | |
|---|---|---|---|
| Page contents encrypted in transit | Yes | Partly | Yes |
| Site names kept from the local network | No | Yes | Yes |
| Your IP address kept from the site | No | Yes | Yes |
| Other apps’ traffic encrypted | Only apps that encrypt | Traffic in the tunnel | Traffic in the tunnel |
“Partly”: a VPN on its own encrypts traffic as far as the VPN server. From there to the website, the site’s own HTTPS protects the contents.
The honest bit: what it can’t do
AES-256 Encryption
AES is the Advanced Encryption Standard, a cipher standardised in the early 2000s and used widely across the internet. The 256 is the length of its key in bits.
It’s widely regarded as secure and is used across banking, messaging and the wider web. As with any encryption, real-world security also depends on how it’s implemented and on the devices at each end.
No. WireGuard is designed around ChaCha20-Poly1305, a different modern cipher. See how WireGuard works.
A temporary key your device and the VPN server agree when you connect. It encrypts that session’s data, and modern VPN protocols replace it over time rather than using one key for everything.
From the VPN server to the website, your traffic travels like any other internet traffic. If the site uses HTTPS, as most do, the contents stay encrypted on that stretch too.
HTTPS protects the contents of a page. A VPN also keeps the names of the sites you visit from the local network, and replaces your IP address with a VPN server’s. They do different jobs and work well together.
They can see that you’re connected to a VPN server and roughly how much data you send, but the traffic inside the tunnel is scrambled.
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