Why are we doing it?

We have to constantly develop our Internet Banking security to combat the increasingly sophisticated methods used by today's fraudsters. Money obtained in this way is often used to fund criminal activity, meaning all of us have to bear the cost of online fraud.

This initiative is part of our ongoing fight to stamp out financial fraud.

Chip and PIN technology allows us to provide you with an extra level of protection when banking online in the form of Card Reader Security. If for any reason we need to confirm it's you who is carrying out the transaction, we'll ask you to use your card and Card Reader to authorise it.

This extra level of security will also allow us to offer you improved services in the future.