Mobile banking security

How we make sure you’re protected

Keeping your money and personal details safe and secure is our biggest priority. Mobile banking can be safer than banking on a browser, so we’ve given ourselves a head start, but we’ve also worked hard to build the very best security from scratch alongside features that give you complete control.

Securing your app

Passport or UK driving licence

To apply for our current account, we’ll ask you to share a government-issued identity document so we can verify the details you’ve given us and check they’re genuine, which helps to prevent identity fraud.

Video identification

When we verify your details in the account application process, we’ll ask you to film a short video of yourself so we can make sure that we know exactly who you are and what you look like.

Biometric identification

Fingerprint or facial recognition is the most secure way to log in to your app. It’s worth setting up if your phone supports it, but if not, you can just set up a password instead.

Password

To set up payees and authorise payments, we’ll ask you to setup a personal password. You’ll also be asked for your password to edit any of your personal information in the app.

The features that keep you secure

Real-time notifications

Instant notifications keep you in the loop about what’s coming in and out of your account. So if there are transactions you don’t recognise, you’ll know about it – and fast.

Card control

Get total control over your debit card. Choose whether you want to allow or disable contactless or chip & pin payments, ATM withdrawals, online payments and your mobile wallet – or freeze or cancel your card instantly if you think it might be lost or stolen.

Additional passcode option

Feel safer with an additional passcode? Just set one up in seconds, in-app.

3D Secure

3D Secure offers an extra layer of security when you use your card online and enables us to request authorisation for certain purchases. When this is required we’ll text you a password for you to enter when you make the payment.

Stop and think. Take Five to Stop Fraud.

Look after your personal details. A genuine bank will never contact you out of the blue to ask for your security details.
We’ll never ask you to move your money to a new account – and you should ignore anyone who does.
Think before you click and don’t open links in an unexpected email or text.
Be cautious. If you see an advert or an offer that seems too good to be true – it very often is. If something feels wrong, use another phone number to contact the source and verify the legitimacy of the contact.
Stop and think. Money-mule criminals could try to recruit you via social media. Remember, handling money that’s been obtained fraudulently is a crime.

Making sure your data stays safe

No one but you should be able to access your personal information, so we’ve built controls across the entire bank to make sure your personal data stays safe and secure. These controls also make sure we’re compliant with privacy and data protection regulation and legislation such as the Data Protection Act and GDPR.

Peace of mind

As you’d expect from your bank, your eligible deposits up to £85,000 are protected by the Financial Services Compensation Scheme.