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Ways we keep you safe

  • Card security


    We use extensive fraud detection systems to monitor card activity, which means that we may carry out certain checks on transactions - and we might need to contact you to confirm things every now and then.

    To do this we may send you a text message to confirm whether a card transaction has actually been made by you, or we might ask you to contact us regarding activity on your account. Our fraud texts alerts will include information about the card transaction and will ask you to reply only Y or N. Based on your response, we will unblock or block your card immediately. We won’t ask for any personal details or security information, and you should never respond to any text asking for this.

    To make sure your money is as secure as possible, we need your up to date mobile number. To update your mobile phone number select ‘Profile’ in our App, or give us a call.

    We use extensive fraud detection systems to monitor card activity, which means that we may carry out certain checks on transactions - and we might need to contact you to confirm things every now and then.

    To do this we may send you a text message to confirm whether a card transaction has actually been made by you, or we might ask you to contact us regarding activity on your account. Our fraud texts alerts will include information about the card transaction and will ask you to reply only Y or N. Based on your response, we will unblock or block your card immediately. We won’t ask for any personal details or security information, and you should never respond to any text asking for this.

    To make sure your money is as secure as possible, we need your up to date mobile number. To update your mobile phone number select ‘Profile’ in our App, or give us a call.

  • Identification


    To log on to Online Banking on any of your devices you'll need your username, password and memorable answer. You can also log on to the Mobile App using your fingerprint if you've got an Apple or Android phone with Touch ID fingerprint sensor enabled. Clever stuff eh? Find out more about Touch ID on our Mobile App page.

    Remember to keep them to yourself and if you, or someone else, enters the wrong details too many times, we'll lock the whole thing down. To re-activate your account, follow the online password reset process or just give us a call on 03 456 100 100.

    To log on to Online Banking on any of your devices you'll need your username, password and memorable answer. You can also log on to the Mobile App using your fingerprint if you've got an Apple or Android phone with Touch ID fingerprint sensor enabled. Clever stuff eh? Find out more about Touch ID on our Mobile App page.

    Remember to keep them to yourself and if you, or someone else, enters the wrong details too many times, we'll lock the whole thing down. To re-activate your account, follow the online password reset process or just give us a call on 03 456 100 100.

  • Secure sessions and timeout


    Look for the 's' in the https:// and a closed padlock symbol in the address bar, to be sure you're in a secure, encrypted session. We'll also log you out automatically if you stop interacting for a while.

    Look for the 's' in the https:// and a closed padlock symbol in the address bar, to be sure you're in a secure, encrypted session. We'll also log you out automatically if you stop interacting for a while.

  • Encryption and technology


    We encrypt all personal data into an encoded form before it's sent over the internet, stopping unauthorised users reading it. We can't specifically disclose all our layers of security (for obvious reasons), but there's a lot of them and, working together, they're a pretty solid defence.

    We encrypt all personal data into an encoded form before it's sent over the internet, stopping unauthorised users reading it. We can't specifically disclose all our layers of security (for obvious reasons), but there's a lot of them and, working together, they're a pretty solid defence.

  • Verified by Visa


    To make it even safer to shop online, first direct use the Verified by Visa scheme – a free, extra security measure that reassures us that you are who you say you are.

    When you make an online purchase with your first direct debit or credit card, you may be asked to enter a one-time passcode if we need to check that your purchase is genuine. We’ll send the passcode to you by text message if you’re asked to use it, so to help us keep you safe online, make sure you keep your contact details up to date by logging on to Online Banking or giving us a call on 03 456 100 100.

    For details on how we will use your personal information, please see our Privacy Notice

    To make it even safer to shop online, first direct use the Verified by Visa scheme – a free, extra security measure that reassures us that you are who you say you are.

    When you make an online purchase with your first direct debit or credit card, you may be asked to enter a one-time passcode if we need to check that your purchase is genuine. We’ll send the passcode to you by text message if you’re asked to use it, so to help us keep you safe online, make sure you keep your contact details up to date by logging on to Online Banking or giving us a call on 03 456 100 100.

    For details on how we will use your personal information, please see our Privacy Notice

  • 24/7/365 security experts


    As we are part of HSBC, with operations all around the globe, you know you're in safe hands. If you're worried about any element of banking security or need help setting up anything to do with security, just give us a call on 03 456 100 100.

    As we are part of HSBC, with operations all around the globe, you know you're in safe hands. If you're worried about any element of banking security or need help setting up anything to do with security, just give us a call on 03 456 100 100.

  • Our guarantee


    In the unlikely event that there's any funny business going on in your account and money is taken without your say so, in most circumstances we'll reimburse you in full - please see your account Terms and Conditions for more details.

    All we ask is that you take all reasonable precautions to keep your security details safe, like making sure no one can see them when you log on and not writing them down in a way that can be easily understood by someone else. You mustn't act fraudulently or let anyone else log on with your details.

    In the unlikely event that there's any funny business going on in your account and money is taken without your say so, in most circumstances we'll reimburse you in full - please see your account Terms and Conditions for more details.

    All we ask is that you take all reasonable precautions to keep your security details safe, like making sure no one can see them when you log on and not writing them down in a way that can be easily understood by someone else. You mustn't act fraudulently or let anyone else log on with your details.