How secure is Samsung Wallet?

Samsung Wallet goes above and beyond to safeguard your privacy. It uses several special security methods, like tokenization, to secure your personal and financial information. Learn more about how this method protects your personal data below.

Tokenization is a method of replacing your sensitive information (Card Number, Expiration Date, Security code, etc.) with a device-specific “Token”, which acts as a surrogate value.

In addition, Samsung Knox constantly monitors and protects your phone from malware and other threats. Samsung Knox includes a security design that keeps highly sensitive operations and information, such as fingerprint and personal data, in a separate computer area known as a “secure environment.” Normal applications or malware do not have access to this information, making Samsung Wallet very secure.

When you add an ID card to Samsung Wallet, the information is encrypted and sent to Samsung servers and, ultimately, to the ID issuer's network (i.e., government server) for approval. A one-time password (OTP) may be requested by the ID issuer to verify you are the cardholder. If your card is ever lost or stolen, this will prevent the card from being added to Samsung Wallet fraudulently.

A new token will be generated even if you attempt to add a card that was recently removed.

Samsung does not store or have access to the personal or financial information added to Samsung Wallet.

When you show your ID, you will need to authenticate your identity by using your fingerprint or Samsung Wallet PIN before the information can be sent to the requester. The requester will only receive a token, and your personal information will be kept secure. The token will be sent to the related network, where it will be decrypted and verified against the information stored in a secure vault on the internal network. Once authenticated, the data will be sent to the requester.