Card readers are powered by batteries and work independently of your computer. The batteries last normally between 2-3 years and you can either replace them (2 X CR2032) or request a replacement card reader. None of your personal information or passwords are held on a card reader. It just uses the chip on your card and your PIN to create a unique code, so you can log in or confirm transactions.
We assess all the transactions you make on our Internet Bank to determine if your card reader is needed as authorisation. If you haven't been asked to use your card reader, don't worry. Your transaction has still gone through the same assessment process and will be secure. We may not need authorisation if you've logged in with your card reader or if you've used it to confirm previous transactions.
All you will need when logging in or authorising a transaction with your card reader is your current account Visa debit card, and your PIN. this is the same PIN you would use in an ATM or shop, for the card you're using. The same rules apply when entering you PIN into your card reader as if you were using in a shop. If you enter your PIN incorrectly three times in a row your card will be locked to prevent anyone guessing you PIN. Find out how to unlock your PIN.