Safe banking in ipad

1. Yes, but you may want to avoid them when on a public Wi-Fi network.

2. Those aren't really a technical issue. Avoid clicking on links in emails or texts which contain spelling or grammar errors and claim to be from services you use.

3. No.

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If your iPad is sufficiently new that the installed version of iPadOS is still receiving security updates, then you should have no concerns for securely performing financial transactions via your bank's website or supported Banking App.

At the time of writing, iPadOS 18.x and iPadOS 17.x are fully supported by Apple. iPadOS 15.x and 16.x are still receiving occasional security updates. If your iPad is running iPadOS 15.x, you should perhaps consider replacement of the iPad with a newer model soon.

Phishing attacks are aimed at the human operator. Beyond your own diligence, there are no technical defences for this type of threat.

There are no true Antivirus Products available for iOS/iPadOS. Those that claim to provide AV protection are little more than “snake oil” - and should generally be avoided.

Providing that your iPad has been kept up-to-date with system software updates, you should not be overly concerned for your iPad being directly compromised by malware. Due to the system architecture of iOS/iPadOS, unless jailbroken, your iPad is not susceptible to traditional malware infection per-se. However, as with all computer systems, there are still vulnerabilities and exploits to which you remain vulnerable.

For older devices, no longer benefiting from regular security updates, the risk of an unpatched vulnerability being exploited increases. Regardless of the installed version of iPadOS, there are useful mitigations that can be used to significantly reduce your exposure to risk.

Threat Mitigation

Other than malicious websites that will attempt to capture information that you willingly enter, the majority of threats to which you will be invariably exposed will surface via web pages or embedded links within email or other messaging platforms. Browser-based attacks can be largely and successfully mitigated by installing a good Content and Ad-blocking product. One of the most respected within the Apple App Store - designed for iPad, iPhone and Mac - is 1Blocker for Safari.

https://apps.apple.com/gb/app/1blocker-for-safari/id1365531024

1Blocker is highly configurable - and crucially does not rely upon an external proxy-service of dubious provenance, often utilised by so-called AntiVirus products intended for iOS/iPadOS. Instead, all processing by 1Blocker takes place on your device - and contrary to expectations, Safari will run faster and more efficiently.

Unwanted content is not simply filtered after download (a technique used by basic/inferior products), but instead undesirable embedded content is blocked from download. The 1Blocker product has also recently introduced its new “Firewall” functions - that are explicitly designed to block “trackers”. Being implemented at the network-layer, this additional protection works across all Apps. Recent updates to 1Blocker has introduced additional network extensions, extending protection to other Apps.

A further to improve protection from exploits is to use a security focussed DNS Service in preference to automatic DNS settings. This can either be set on a per-device basis in Settings, or can be set-up on your home Router - and in so doing extends the benefit of this specific protection to other devices on your local network. I suggest using one of the following DNS services - for which IPv4 and IPv6 server addresses are listed:

Quad9 (recommended)

9.9.9.9

149.112.112.112

2620:fe::fe

2620:fe::9

OpenDNS

208.67.222.222

208.67.220.220

2620:119:35::35

2620:119:53::53

Cloudflare

1.1.1.1

1.0.0.1

2606:4700:4700::1111

2606:4700:4700::1001

Security focused DNS providers intentionally "sink hole" known bad or malicious websites and resources - this providing an additional layer of protection beyond that provided by your device and its Operating System. These DNS services will, when used alongside 1Blocker or other reputable Content Blocker, provide defence in depth.

There are advanced techniques to further “harden” iOS/iPadOS (such as using DoH, DoT and DNSSEC). Apple has introduced its new Private Relay to its iCloud+ subscribers - in part employing ODoH (a variant of DoH) as an element of this new functionality. If you have subscribed to iCloud+, and have a device capable of running iOS/iPadOS 15.x or later, this feature is included. 

You do not need an antivirus on your iPad. But as for banking safety, that will depend on the security of the WiFi connection. Personally, I would not do any banking in a coffee shop or the like that offers free WiFi. I only do it at home where I know my router is well secured. I'm sure others who are more tech savvy than I will chime in with more information.