Extra security when you shop and bank online

It's simple in the app

We’ve added extra security checks to protect your account. These checks happen when you:

  • shop online
  • log in to online banking
  • make a payment to someone new.

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

The simplest way to prove it's you is by using the app.

Steps to take

We’ll guide you through it.

  • You’ll notice the extra security during payment.

    • App: Use the app to verify your purchase.
    • Text: We’ll text a passcode to your mobile phone, which you then enter on the payment screen.
    • Call: We'll call you and ask you to say a code that comes up on the payment screen.

     

  • When using online banking, you’ll notice the extra security during login. 

    • Device: If you regularly use your computer, tablet or mobile for online banking, you can trust it. This helps us know it’s you logging in and not someone else.
    • Text: We’ll text a passcode to your mobile phone, which you then enter on the login screen.
    • Call: We'll call you and ask you to say a code that comes up on the login screen.

Getting started in the app

Mobile banking app

Join our 10 million app users.

  • Simple and secure login.
  • Set up handy notifications.
  • Message us online.

Continue to app

Let’s look at the details

  • 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:

    1. “Something you know” - this is a piece of secret information that only you know, like your password.
    2. “Something you have” - this is a device you own, like your mobile phone.
    3. “Something you are” - this is something that is unique to you, like your fingerprint.

    You need to provide two of these three ways to verify it’s you. This is called 'two-factor authentication'.

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Further help with payments

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Read our payment guides

Further help with payments

Understand regular payments, share your bank details or pay in a cheque on your phone.

Read our payment guides