When you log in to your account, we'll occasionally text a code to your mobile phone. This is called a One Time Passcode (OTP) and is an extra level of security for when you use some of the services within Online Banking.
In addition to online transactions, you may find that we also need to send you an OTP when you log in to ClearSpend.
No. As a part of the Payment Services Directive 2 (PSD2), we must introduce Strong Customer Authentication. Using an OTP will be the only way to authenticate online transactions. So, it's important to make sure we have your up to date mobile phone number.