You’re Using Public Wi-Fi With a VPN—But Are You Actually Safe?

Is it safe to check your bank account on public Wi-Fi with a VPN?

A VPN improves security on public Wi-Fi, but it doesn’t make the network completely safe. gfxshakib2023/Shutterstock

Public Wi-Fi is a real security risk, but a virtual private network (VPN) doesn’t fix everything people think it fixes. Being protected depends on what VPN you’re using, how you’re using it, and what you’re doing online.

As a general rule, a reputable paid VPN is enough for most everyday browsing on public Wi-Fi. It is not enough if you’re using a free VPN, if your VPN has no kill switch, or if you’re accessing sensitive financial accounts on a network you don’t recognize. When in doubt, use your phone’s cellular data instead.

The Details: Does a VPN Make Public Wi-Fi Safe?

You’re sitting in an airport terminal, flight delayed, laptop open. You connect to the airport Wi-Fi, open your banking app to check your balance, and feel reasonably secure because your VPN is running. You’re protected, right?