Making online shopping even safer

Keeping our members safe from fraud when shopping online is important to us.

To be sure that it’s always you making online payments, we’ll be asking you to confirm some of your online purchases. We’ll also give a range of ways to confirm your identity and let us know it’s really you, quickly and securely.

This is part of a regulation to help fight fraud and increase the security of your online payments. The changes are called Strong Customer Authentication (SCA), and the whole banking sector is making changes to be compliant with the regulation.

Confirming your purchases in the Banking app

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

If you don't yet have this option available on your app, don't worry – we're making this option available to all our members soon.

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. Watch our video to see how the Banking app works:

Do you shop or bank online?

Play video - | Image of customer using online banking

Go to the Apple App store to get our Mobile Banking app Go to Google Play to get our Mobile Banking app

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.

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.

How to update your contact details

Card reader

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

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.

Why we’re making these changes

These changes will help keep you and your money safe online. You can read more about how we protect you when you bank with us through our Digital Banking Promise.

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

Download our Banking app

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.