We use a leading-edge security and anti-fraud system called Enhanced Internet Authentication (EIA) to make you even safer online. When you set up a new recipient, standing order or credit card payment, we’ll send you a One Time Password (OTP) to ensure that the instruction is coming from you. For UK mobile numbers, we’ll now send you a text with your OTP. For landlines and other numbers, we’ll now give you a call and read out your OTP.
Never share your OTP with anyone. If we need to contact you we would never ask you for your OTP
When you set up a new recipient, credit card payment or standing order, we’ll now send you a One Time Password (OTP) to make sure the instruction is genuinely coming from you. All you need is a phone near you. You'll be able to choose which number we call you on, provided it's a number we already hold for you. For UK mobile numbers, we’ll now send you a text with your OTP. For landlines and other numbers, we’ll now give you a call and read out your OTP.You'll need to enter the six digit number directly on Internet Banking or the app. The whole process takes less than a minute.
Never share your OTP with anyone. If we need to contact you we would never ask you for your OTP.
Please make sure your contact details are up-to-date: log on to Internet Banking, then select Personal Details from the left-hand menu.
We're constantly improving our security to prevent online fraud and this is another measure to make you even safer online. If a fraudster acquires your login details and gains access to your accounts, they are unlikely to have access to your phone as well. Without your phone, they won't be able to transfer money away from your accounts.
Unfortunately, if we don't hold any number for you, you will need to call us on 0345 835 3847 (from abroad 02032 841 578 ) so we can set up the instruction for you. However, please make sure that you update your Personal Details for future use (in Internet Banking select Personal Details in the left hand menu).
We're constantly improving our security to prevent online fraud and have put in place security measures which we believe are best suited to the needs of our customers: business accounts can be more complex, with many users accessing accounts for different reasons at different times. We've introduced a Business Banking Authentication App to help identify users and to authorise the release of money from business accounts. We hope that it will also allow us to offer other online business related services in the future, such as International Payments and increased transaction limits.
Our personal Internet Banking has different security processes, which we believe are more convenient and better suit the needs of our personal customers such as the text and outbound call process which personal customers follow to set up new recipients on Internet Banking.
For security reasons, we're only able to text or call you on numbers we already hold. New phone numbers entered may take a few days to become active. If we don't hold any other numbers for you that you can use you will be directed to our telephone support team who'll be able to assist you.
To use this service you need to be able to receive a text or a call from us, confirm details that are relayed to you in the text or over the phone and then enter a six digit number into Internet Banking or the app. If you are unable to do this then please visit your local branch or contact us by textphone and we will arrange the payment for you.
If you think you are a potential victim of fraud, please contact us as soon as possible.
Call: 03459 758 758
Textphone: 0345 835 3843
If you have received a suspicious email, please do not respond to it but forward it to
For more information on how to keep yourself secure online, you might find the following useful.