Changes to banking and shopping online

Make sure you are prepared

Industry wide changes will affect the way you bank and shop online. These changes will enhance the security of your online banking and payments to help reduce fraud online.

You will see these changes when: 

  • you log on to your Online for Business or Currency Internet Banking accounts
  • you set up and make payments to new beneficiaries 
  • you amend your log in or contact details online
  • you purchase something online 

Additional security checks we will make

When logging in on a device you haven’t told us is trusted, in addition to your Username and Password, we will ask you to:

  • Online for Business: use your card and card reader to confirm it is you 
  • Currency Internet Banking: ask you to input characters from your Memorable Information and answer an automated call, inputting a four digit number that will appear on your computer screen into your telephone keypad

You may also be required to do this when amending your contact or log in details, and when setting up and making payments online.

You won’t be able to log on to your account, set up and make payments to new beneficiaries or shop online unless you are ready for this change.

Get ready now

  • Soon, you’ll need to use both a card and card reader to log on and make payments in Online for Business. If you have never had a card and card reader you will be sent one in the post. 

    To order a card reader

    Step 1: Log on to your Online for Business account

    Step 2: Click on “Admin” on the top right hand side

    Step 3: Click on “order additional card reader”

    Step 4: Follow the instructions on your screen

    To order an authentication card

    If you have a debit card you can use this with your card reader for logging into and making payments in Online for Business 

    Step 1: Log on to your Online for Business account 

    Step 2: Select ‘More Actions’ 

    Step 3: Then ‘Account Services’ 

    Step 4: Select ‘Request Replacement Card’ 

    If you don’t have a card and card reader you may not be able to login to Online for Business or set up and make payments to new beneficiaries. 

    If you card reader isn’t working find out how to unlock it, or replace the batteries.

  • It is recommended that you always have the latest browser on your devices to increase your security online and help protect you from fraud.

    Updating your browser regularly means that when you access websites you’ll always be able to take advantage of:

    • Up-to-date browser security features – stay safe online and have peace of mind that you’re being protected by the latest security features.
    • A better online experience – websites will look better and perform faster, and you’ll be able to use the latest features and tools they have to offer.
    • Screen reader support – the latest browsers make it easier for newer screen readers to handle web technologies, such as JavaScript. If you have JavaScript turned off because it interferes with your screen reader, make sure your browser is up-to-date and try updating your screen reader or using another, such as the free tool NVDA.

    Update your browser by clicking through on the links below and following the instructions:



    Safari (Apple devices only)

    Edge (Windows 10 only)

    Internet Explorer

    If you choose not to upgrade your browser, there will be parts of our sites that you won’t be able to use. For example, our Internet Banking service isn’t supported in Internet Explorer 6 and 7. You will also find it harder to use some calculators and tools.

    Trust your device

    If you regularly use the same computer, laptop, mobile, tablet or mobile to log on, then we may ask if you trust your device.

    If you trust your device it makes logging on faster, as next time you log on we’ll know it’s you and not someone else.

    You should only trust computers, laptops, tablets and mobile browsers that are privately used by you.

    You shouldn’t trust a device if you share it with someone you don’t know, or if you’re on a public network.

  • Each time you log on you are asked for three characters from your memorable information.

    If you haven’t set up your memorable information you’ll be asked to do so when you next log on.

    Can’t remember what it is? Simply click ‘forgotten your logon details?’ on the Online for Business log on page or ‘Cannot access your account’ on Currency Internet Banking to reset.

    Remember, never share full memorable information online or over the phone.

  • There will be times when we need to get in touch to check it’s you when buying something online. We’ll do this by sending a text or calling a number we hold on file. It is therefore important we hold your most up to date numbers.

    To see all the phone numbers we hold please follow these steps:

    Online for Business

    Step 1: Access your Online for Business account using the following link: Check my number

    Step 2: Click on 'Admin' on the top right hand side

    Step 3: Click on 'view or update your details'

    Step 4: Follow the instructions on your screen 

    If you have both a personal and business account we'll use the same number for both. So it's important that the number you give can be used when buying something online with your personal and business accounts.

    Currency Internet Banking

    Step 1: Log in to Currency Internet Banking

    Step 2: Select ‘Contact Details’

    Step 3: Select ‘Edit Contact Details’

    You will also be prompted every 30 days to confirm the details we hold for you are up to date.

    Alternatively, to make sure we have the right mobile number for you simply fill in, print and send us the form.

    Update my details