The ‘Scary’ Reason Security Experts Say You Should Never Make This Mistake When Using Public Wifi

Mistake: Shopping or Doing Online Banking

Using public Wi-Fi to check your bank account or buy something online might seem harmless—especially if you’re just quickly paying a bill or grabbing a deal. But here’s the thing: most public networks (like the ones at coffee shops, airports, or hotels) aren’t secure. That means anyone else connected to that same network could potentially “listen in” on the data your device is sending and receiving. So when you type in sensitive information like your bank login or credit card number, there's a chance someone with bad intentions could intercept it without you even knowing.

Why is This So Dangerous?

One of the biggest dangers comes from something called a “man-in-the-middle” attack. This happens when a hacker secretly intercepts the communication between your device and the website you’re using. It can allow them to see everything you’re typing—including your banking passwords and credit card numbers. Even if the site itself is secure (you’ll know it is when you see a little padlock in the address bar), the connection from your device to that site can still be vulnerable if the Wi-Fi network you’re on isn’t protected.

Hackers can also set up fake Wi-Fi networks with names that sound legit. Once you connect, they can monitor your activity, steal your login info, or even install malicious software on your device without your knowledge. That’s why experts recommend waiting until you’re on a secure, private connection—like your home Wi-Fi or a mobile hotspot—before doing anything involving your finances. It might feel inconvenient in the moment, but protecting your personal and financial information is always worth the extra caution.