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Payment Services Directive 2 (PSD2)

What this means for your business

What this means for your business

When making online payments, you’ll be asked to confirm your identity a little more frequently. We’ll do this by sending you a unique, one-time passcode (OTP).

It’s our job to keep your money safe, so we’re constantly working on better ways to beat fraud. But we also ask you to be on alert to how fraudsters might try to target you.

Always keep your contact details up to date so you can be reached if suspicious activity is detected on your account.

I'm an Anytime Banking customer

If you are an Anytime Banking customer you’ll be asked to prove it’s really you more often when:

  • Using Anytime Banking.
  • Buying something online with your card.
  • Making contactless payments.

I'm a Bankline user

If you use Bankline, you’ll need to use an upgraded smartcard reader with QR functionality when carrying out transactions online.

Login changes – When using your reader, you’ll notice some changes to your login journey. SCA will apply to all Bankline users at login and a QR code authorisation step will be added to the process.

Payment authorisation changes – You'll use your upgraded reader for authorising Bankline payments, along with any action that requires smartcard authorisation, for example, making administration changes.

Frequently asked questions about card readers

I have a credit card

If you pay using contactless with our commercial credit card, you may be asked to verify your identity more often by inputting your PIN – it’s just another way to keep you safe and more secure.

When using your credit card to make online purchases, you may be asked to enter additional verification, such as a verification code, which will be sent to your mobile phone - so it’s really important that we know your current mobile phone number.