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Paying for your online shopping is changing

Your contact details need to be up to date

We use two-factor authentication to verify it's you when you make purchases with your card online. It's the banking industry's way of double-checking it's really you.

Later this year, to help protect you against fraud, we are strengthening how we use two-factor authentication and changing how you complete online card purchases. This is also supported by regulatory changes taking place called Strong Customer Authentication (SCA).

So you can continue to complete purchases with your card online, your contact details need to be up-to-date.

customer shopping online

How it affects you

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When you use your card online

To complete your purchase, you'll verify yourself in a different way and probably more often.

This is so we know it's really you making the payment.


How you can verify it's you

You can receive a verification code by text message or email

We'll send you a verification code to the UK mobile number or email address you have registered with us. You'll need to input your code when shopping online to confirm it's you.

What do I need to do?

Make sure we have the correct contact details for you; or you won't be able to shop with your card online.


How you can check/update your details

If your business account has any debit card, charge card or purchase card holders, we'll need their contact details; otherwise they won't be able to use their card online.

If you are an account signatory:

You can provide your own and any other card holder's contact details over the phone (including debit cardholders who have no other permissions on the account).

If you are an authorised user, a charge card holder and/or purchase card holder:

You can only provide contact details for your own card over the phone.

If you are neither:

You will need to ask an account signatory to call us and provide your contact details.


To provide cardholder's contact details please call us on:

03457 213 213 - for debit cards

0345 606 6701 - for charge cards and purchase cards

Lines are open 8am to 8pm Monday to Friday, 9am to 12pm on Saturday (call charges may apply)


Do you have a question?


How we keep your banking secure

We're committed to making your banking experience as safe and secure as possible.

  • We use advanced encryption technology to stop unauthorised users from reading secure information
  • We have a range of fraud detection systems and regularly monitor your accounts for suspicious activity
  • Your token provides you with an additional layer of protection when you bank online that helps us to protect your accounts
  • We will never call you out of the blue and ask you for your security information to assist you with registration for online banking
  • Never share your PIN, Token or verification codes with anyone. We will never contact you and ask you for these
  • Never allow anyone to access your device remotely
  • Our fraud guarantee helps you recover money taken in fraudulent activity in the unlikely event you fall victim to fraud

More about how we protect you

Contact us

If you'd like more help & information, you can: