Card reader security uses something you have (your FlexAccount Visa debit card) and something only you know (your Visa debit card PIN) to generate a unique eight-digit passcode for you to access your Internet Banking service and to authorise transactions.
You can choose to log in using your pass number and memorable data, but why not download our handy guide to see how easy it is to log in using your card reader?
Card readers are an additional level of security. When you use your card reader we are assured it's you logging in and that you have initiated any transactions.
Card readers are powered by batteries and work independently of your computer. They don't hold any information about you or your passwords but do use the chip on your Visa debit card and your Visa debit card PIN to create a unique code. This code is then used to log in to the Internet Bank. You will also need to use your card reader to verify some of the transactions you make whilst banking online e.g. sending a payment. You should never use your card reader over the phone or in any context other than logging into or verifying transactions on the Internet Bank. If you are instructed over the telephone to use your card reader, either to hand over authorisation codes or transfer money, do not comply with the request.
If you have a question about card reader security, or just want to know more you'll find the answers in our card reader frequently asked questions section.
Why not try our interactive guide to find out how your card reader works. Select a button and a description of what it does appears to the right of the card reader. If you would like to keep a record of this in print download our handy guide.
How to log in to Internet Banking using card reader
How to complete a security challenge using card reader
Nationwide are using industry standard card readers that comply with guidelines issued by the payment association, UK Payments Administration Limited. So you'll find that if you're using an industry standard card reader from another organisation, the buttons will be similar.