The PC Bank may be the most timesaving banking innovation since the ATM (Au
tomatic Teller Machine). However, it also brings new possibilities for thie
ves. This is mainly because we have not completely solved the growing probl
em of computer viruses and Trojans that can act on our computers against ou
r will. Several methods are used against them, although none can be conside
red 100% effective. Even more, most personal computers have little or no vi
rus protection, so they are very easy to attack. This can become a problem
as nearly all PC banking systems rely on authentication with identification
passwords. This system is vulnerable and we will show that it does not pro
vide enough protection for the users that want to make transfer operations
from their accounts.