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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.
An extra layer of security makes it harder for fraudsters to target your online accounts. All banks have to do 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’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:
You need to provide two of these three ways to verify it’s you. This is called 'two-factor authentication'.
No. Apart from texting passcodes to your mobile or calling you 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.
There’s no way to opt out of SCA. Strong Customer Authentication has been introduced across all banks in the UK. The extra checks are here to protect you and keep your money safe when you're shopping online.
There are a few ways you can verify yourself when signing in or paying for things online. You can:
If you choose to trust the device you use to sign in, it means we won’t need to do the extra security checks the next time you sign in. Only trust devices that are secure and are only used by people you know. These include computers, tablets and mobile phones.
The additional card holder can ask us to send a code to their registered phone number, if they have one.