Soon all banks will be adding extra security checks. If you shop online or use Online Banking, this will affect you.
These checks will happen when you:
If you do any of these things, you may notice an extra step in security. This is because you’ll need to use two different ways of proving who you are. Your password and memorable information count as one way. The other way could be using your Mobile Banking app, getting a passcode sent to your mobile, or us calling your landline.
It’s important that you’re ready for these extra steps. You might not be able to make your purchase or sign in if you’re not prepared.
When checking out purchases over a certain amount, you’ll notice the extra security during payment. The payment screen will ask you to verify yourself. You can do this through your:
When using Online Banking, you’ll notice the extra security during sign in. The screen will ask you to verify yourself. You can do this through your:
To make sure you’re ready for the extra security checks, there are a few things you can do:
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:
You’ll need to provide two of these three ways to verify it’s you. This is called 'two-factor authentication'.
To make sure you're ready for the extra security checks, there are a few things you can do:
No. Apart from texting passcodes to your mobile or calling your landline to verify yourself, we’ll only ever use your number for what you’ve already given us permission to. This includes things like your marketing preferences and mobile alerts.