What is Strong Customer Authentication?

When shopping online with your Nationwide debit or credit card, there will sometimes be an extra step where we ask you to authenticate yourself. This means letting us know it’s definitely you making the online payment.

We give a range of ways to confirm your identity and let us know it’s really you, quickly and securely.

Why do we use Strong Customer Authentication?

It's all part of a regulation to help fight fraud and increase the security of your online payments. And it’s there to keep your money safe.

You can read more about how we protect you when you bank with us through our Digital Banking Promise.

Options for authenticating yourself

Banking app

When you checkout, we’ll send a secure message to your Banking app. You can use this to authenticate using fingerprint or facial recognition. Or you can simply tap in your passnumber.

What do I need to do next?

Using our secure Banking app is the easiest way to quickly confirm your online purchases if you have a compatible smartphone or tablet.

Download our Banking app (if you haven't already).

One-time passcodes: text message or landline

These unique codes can be used at checkout to confirm it’s really you making the online payment. They can be sent to you by text message or landline, using the contact details you have given us. You may experience this already when shopping online.

What do I need to do next?

Please make sure we have the correct mobile number, email address and landline for you as well as any additional card holders on your account. This is so you’ll get any authentication codes we send to you quickly and won’t get interrupted while shopping online.

Card reader

If you’re a debit card holder, you can authenticate online shopping transactions using the card reader you use for online banking. This option may be suitable if you don’t have a mobile phone or struggle to receive a mobile signal.

What do I need to do next?

Make sure you have a card reader.

If you’ve registered for the Internet Bank and have lost or never received a card reader, it’s easy to order a card reader.

Not registered for the Internet Bank? Register now for the Internet Bank and we’ll automatically send you a card reader.

Keep your contact details up to date

Make sure your contact details with us are up to date, and always let us know if they change.

Using the Internet Bank or Banking app

You can update your details in the Details and Settings section of our Banking app or in the My details section of our Internet Bank (opens in a new window).

In a Nationwide branch

You can find your nearest branch using our Branch finder (opens in a new window).

Over the phone

You can call us on the number on the back of your card.

Monday to Saturday, 8am to 8pm
Sundays and bank holidays, 9am to 5pm

To use our Banking app, your device must be compatible and run Android TM 5.0 or higher* or Apple iOS 11 or higher*. Apple is a trademark of Apple Inc. registered in the US and other countries. App Store is a service mark of Apple Inc. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. Android and Google Play are trademarks of Google LLC. Compatible devices only. Face ID is a trademark of Apple Inc, registered in the U.S. and other countries. *Beta versions of operating systems are not supported.