Online shopping and banking security is increasing

A new regulation is coming to help fight fraud and increase the security of online payments.

The changes are called Strong Customer Authentication (SCA). The whole banking sector is making changes to be compliant with the regulation. 

We’re making log in changes to the Internet Bank. We're also applying changes to many online shopping transactions. These are actions you need to take to get ready for SCA.

It’s one more thing we’re doing to help prevent fraud and keep you and your money safe.

Check your contact details

Please make sure we have the correct mobile number and email address for you. 

This is so you’ll get any authentication codes we send to you quickly, and you won’t get interrupted while shopping or banking online.

It affects you:

If you shop online

Shopping cart

You may need to authenticate transactions more often so we know it's really you making the payment. 

In some cases, there’s an extra step when you buy something online using your Nationwide debit or credit card, but not every single time.

If you use our Internet Bank

Padlock security

The authentication options to log in will be changing. 

We’ve introduced a new way to log in using a one-time code sent in a text message. You can still log in using a Card Reader but you can no longer log in using memorable data.

How to confirm its you when using the Internet Bank and shopping online

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.

We’ll let you know when this is ready, but in the meantime, watch the video to see how it’ll work:

Do you shop or bank online?

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.

One-time code

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 or banking 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 you won’t get interrupted while 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.

To update your details:

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 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.