Mobile Banking is safe and secure if you have broad knowledge about the process provided by your network operator. Each network operator has provided a special pin code for each subscriber to enter that pin during transaction and that pin is special and unique to the subscriber which should not be given to anyone. Possibly someone who knows your pin can send money from your phone to his or registered number and go to any merchant and redraw the money. So obviously it is important to keep your pin safe and should be in your head at all times.