Sparkasse mToken is an application used for user identification when accessing Sparkasse netBanking services and for authorizing payment transactions.

After the installation, the mToken application needs to be activated using an activation code. The activation code is issued in any branch office of the Bank when the mToken service is being activated.
After entering the activation code, the user is asked to define a PIN number.

Sparkasse mToken application is SAFE because the user is the only one who knows the PIN, and the PIN is not stored on the phone itself which ensures complete data secrecy.