The whole banking sector is making changes

We're doing it to help fight fraud and increase the security of online payments.​

As a Nationwide member, you'll be affected when you shop online and use our Internet Bank.​

Our Banking app will become the easiest secure way to verify it's really you when making online payments including checking who you're paying.

What's changing:

  • A new regulation is coming to help fight fraud and increase the security of online payments. Find out more
  • The way you log in to the Internet Bank is changing. Find out more
  • When setting up new payees, you'll be able to check that the account name of who you want to pay money to is the person you are expecting it to be. Find out more

What to do next:

  1. Download our Banking app and go through the one-time set up process. Safe and secure, soon you'll be able to verify your online shopping transaction, or check the person you're paying for the first time, using the app. We’ll let you know when this is ready, but in the meantime, watch the video to see how it’ll work.
  2. Check the contact details we hold for you are correct. We may need to send a one-time code to your mobile phone or email address, and we may also need to contact you if we suspect fraudulent activity on your accounts.
  3. Make sure you have a card reader to hand if you’re a debit card holder. You’ll need this when setting up new payees, or if you don’t have a mobile phone or struggle to receive a mobile signal.

How to authenticate online

How to authenticate online

Let's fight fraud. Together

All of these changes are coming into place across the whole banking sector to help fight fraud.​ It's important that you’re aware of all fraud scams our members could fall victim to. Learn more about the latest scams

Options to authenticate yourself and how to prepare for the changes:

Banking app

We’re making changes so that in the future you can verify it’s you through the Banking app. We'll send a secure message to the Banking app, so you can authenticate using fingerprint or facial recognition, or you can simply tap in your passnumber.

What do I need to do next?

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

If you have a smartphone or tablet, our Banking app is the easiest secure way to tell us it’s really you, and you can use it to check your details too.

Text message

A one-time code in a text message or email sent to the contact details we have on record for you. You may experience this already when shopping online.

What do I need to do next?

Check your contact details  

Please make sure we have the correct mobile number, landline and email address for you, and 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 whilst shopping or banking online.​

Card reader

If you’re a Debit Card holder, we’re also making changes so you can authenticate online shopping transactions using a card reader, the same as is used on the Internet Bank. 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: Find out how to order one here. 

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


Check your contact details are up to date with us and always let us know if they change

These changes will help keep you and your money safe online - it’s all part of our Digital Banking Promise

To use our Banking app your device must be compatible, running Android TM 5.0 or higher*, or Apple iOS 8 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.