Extra security when you shop and bank online
How do I prepare?
To make sure you’re able to complete these extra security checks, there are a few things you can do:
- Check and update your phone number so we’re able to text a passcode to your mobile or call your landline.
- When prompted, you can trust your device. Trusting your private and secure computer, laptop, tablet or mobile means we’ll know it’s you signing in.
- Download our Mobile Banking app to be able to quickly and securely confirm it’s you.
From 14 September 2019, a new EU regulation means that all banks need to provide an extra layer of security for their customers. It's called 'Strong Customer Authentication'. For you, it means more protection when you're shopping and banking online. It will involve extra checks to prove it's really you. This will help keep you safer from online fraud.
An extra layer of security makes it harder for fraudsters to target your online accounts. All banks will have to provide these extra checks.
Most people use passwords as way of proving it's them. Sadly, passwords can be guessed or stolen by fraudsters. So we're adding 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 or card reader.
- “Something you are” - this is something that is unique to you, like your fingerprint.
You’ll need to provide two of these three ways to verify it’s you. This is called 'two-factor authentication'.