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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:
If you don't use our app, or we don't have your phone number, you might not be able to continue.
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'.