When you use your bank account you need to stay safe and secure.
Learn how to spot a scam, what to do if you are contacted unexpectedly, and get advice on how to stay safe.
There are many simple ways that you can stay safe online. Using strong passwords are a good way to start.
You can create a strong password by choosing three random words. And to keep it safe, don’t share it or write it down.
To make a password even harder to guess, you can add numbers or special characters. The longer the password, the stronger it is.
Your first line of defence should be your email account. It can hold a lot of your personal details and be used to get into your other online accounts.
If you don’t have one already, pick a new strong password for your email account. Then do the same for all your other accounts, like:
It’s best to use a different, strong password for each account you have. You can use your browser to help you remember them all.
Your browser settings should let you save each password. Browser security is very good, so it’s a safe thing to do and makes it easier to log in.
If an account asks you to set security questions, try to avoid using personal details.
When you bank online, we use two-factor authentication (2FA) to make sure it’s you. This makes it harder for someone to get into your account, even if they guess your password.
For 2FA to work, we need to send a code by text or landline. So please make sure we have your latest phone number.
Other online providers and apps also use 2FA. If they do, it’s a good idea to turn it on as it will help to keep you safe.
If you think someone else knows your banking details contact us now.
We guarantee to refund your money (including charges and interest that you’ve paid or not received as a result) in the unlikely event that you experience fraud with our Online Banking service. We will take steps to protect you 24/7, using technology and safeguards that meet or exceed industry standards, but you must also use our online banking services carefully.
Being careful when you use our services includes, for example, that you:
If you've been grossly negligent, we will not refund any money taken from your account before you have told us your Security Details have been lost, stolen or could be misused.
We won't give you a refund if you have acted fraudulently.
For further guidance on using our online banking services, see our Online Banking terms and conditions.