Your situation

BSI TR-03174: having financial applications evaluated

You develop applications in the financial sector and want to demonstrate their security level through certification according to BSI TR-03174? As a recognised evaluation facility, we support you from the pre-evaluation to the evaluation in the BSI procedure.

Free of charge and without obligation.

  • BSI recognition for TR-03174
  • eMAPT qualification in mobile application security
  • Co-author: TeleTrusT guideline on penetration testing
An open brass compass lying in a hand in front of a world map and sticky notes
BSI TR-03174: financial applications with evaluated security.

Your situation

You want to demonstrate the security of your banking or payment app according to BSI TR-03174?

Data in financial applications such as payment or online banking apps requires particular protection. Since the beginning of 2025, the BSI TR-03174 “Requirements for applications in the financial sector” has been available for this purpose. It is relevant for banks and service providers in the banking sector, focuses on mobile use and covers mobile applications, web applications and background systems.

The Technical Guideline can be used in two ways: as a specification already during the planning and implementation of new apps or updates, or as the basis for certification by the BSI, which manufacturers can apply for if they wish. The evaluation is carried out by an authorised evaluation facility.

We are recognised by the BSI as a TR-03174 evaluation facility and bring experience from the “sister guideline” TR-03161 for health applications, for which certification has been mandatory since 2025.

Services & results

From pre-evaluation to TR-03174 certificate

A quick check tells you in advance to what extent your financial application meets TR-03174. An evaluation facility recognised by the BSI then evaluates the mobile application, web application and background systems for your certification procedure and supports you in communicating with the BSI – with experience from TR-03161 for health applications.

Whether you use TR-03174 as a development specification or are aiming for certification: we evaluate the app, web application and background systems against the requirements of the Technical Guideline.

Quick check and pre-evaluation

In the quick check, we assess in advance to what extent your financial application meets the requirements of BSI TR-03174. Your development team can close identified gaps before the certification evaluation – or take them into account from the start for new apps and updates.

Evaluation for the TR-03174 certificate

As a recognised evaluation facility, we carry out the required evaluation of the defined components – mobile application, web application and background systems – and document the results for the certification procedure.

Communication with the BSI

We support you in communicating with the BSI until certification is obtained. The BSI decides on the certificate.

Our expertise

secuvera is recognised by the BSI as an evaluation facility for TR-03174. The Technical Guideline is the “sister guideline” of TR-03161 for health applications, according to which we have already evaluated applications that the BSI subsequently certified, such as the DiGA (digital health application) “kontina” with iOS and Android app and backend.

In addition, there is our penetration testing team, which is certified by the BSI as an IT security service provider for IS penetration testing and tests mobile apps for Android and iOS according to the OWASP Mobile Application Security Testing Guide (MASTG).

Getting started

Classifying your financial application and the planned evidence

Classifying product and evidence goal

Describe the financial application, its mobile or web-based components and the backends. We discuss the development status, existing evaluations and the evidence you want.

Agreeing the right starting point

Depending on maturity, a quick check before the actual evaluation can help. We then agree on documents, access, the evaluation object and the further procedure.

Have your financial application evaluated
Dividers fixing a position on the world map
Choosing the right evidence for your financial application early on.

The BSI decides on the certificate

The evaluation relates to the agreed evaluation object. The decision on certification is made by the BSI.

Questions about evaluation according to BSI TR-03174

Who is the TR-03174 evaluation aimed at?

It is aimed at manufacturers of applications in the financial sector and their development service providers. What matters is the specific application and the desired security evidence goal. We discuss the mobile, web-based and associated backend components.

When does a quick check of the financial application make sense?

When you want to assess, before the certification evaluation, how far the requirements are met and which points are still open. An early comparison can reveal rework needed in development. It does not replace the later evaluation in the certification procedure.

Can existing app security tests be taken into account?

Existing tests and technical documents help to understand the starting point. Whether they cover the requirements for the defined TR-03174 evaluation object must be checked specifically. An earlier pentest does not automatically replace the required evaluation.

Who handles queries from the BSI about the evaluation results?

secuvera supports the technical communication on evaluation scope and results. Your development team provides the necessary product information and makes any required adjustments. The decision on the TR-03174 certificate is made by the BSI.

Does a financial application have to be certified according to TR-03174?

Certification by the BSI takes place at the request of the manufacturer. TR-03174 can also serve as a specification for planning, development and updates without certification. We support both routes, for example with a quick check.

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How can we support you with TR-03174 certification?