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

Phone passcode not enough? Use the app PIN as well as your phone passcode/biometrics to login to your account.

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.

Fighting fraud

Financial fraud has become very sophisticated and these crimes can have a devastating impact on victims. We consider it our responsibility to educate customers on the types of scams we know to exist, and how you can spot these.

Find out more about how to protect yourself against fraud.

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.