VPN split tunneling – called Whitelister on the Surfshark VPN app – is the software capability to have only some of your internet traffic go over VPN while the rest uses the internet as usual. And you’re the one to decide when it happens.
Does your banking website not work with a VPN? Perhaps you’re having issues with Outlook or some other app? Simply add them to the split tunneling and they’ll use the internet as if you didn’t have a VPN at all. At the same time, apps and websites not on Whitelister will benefit from the usual levels of VPN protection.