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Extra security when you shop and bank online
Keeping you safe
When you use your card online or log in to Internet Banking, you might notice an extra security step. You need to use two different ways of proving who you are. These could be:
- Entering your password and memorable information
- Using our Mobile Banking app
- Getting a passcode sent to your mobile phone
- A phone call from us.
If you don't use our app, or we don't have your phone number, you might not be able to continue.
Extra security checks explained
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By law all banks need to have an extra layer of security for their customers. This is called 'Strong Customer Authentication'. For you, it means more protection when you’re shopping and banking online. It involves extra checks to prove it’s really you and help keep you safer from online fraud.
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An extra layer of security makes it harder for fraudsters to target your online accounts. All banks have to do these extra checks.
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Most people use passwords as way of proving it’s them. Sadly, passwords can be guessed or stolen by fraudsters. So we’ve added a second layer of security to check it’s really you, and make it harder for anyone else to. There are three ways you can verify yourself:
- “Something you know” - this is a piece of secret information that only you know, like your password.
- “Something you have” - this is a device you own, like your mobile phone.
- “Something you are” - this is something that is unique to you, like your fingerprint.
You need to provide two of these three ways to verify it’s you. This is called 'two-factor authentication'.