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Ways we keep you safe


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 iPhone with Touch ID fingerprint sensor enabled. Clever stuff eh? Find out more about Touch ID.

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.

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.

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.

Verified by VISA

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 speak to you to confirm things every now and then. Many customers really appreciate this feature, so please make sure we have your current mobile number. You can do this by logging on to Online Banking and sending us a secure message.

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.

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.

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Talk to us anytime

If you prefer to chat to us call anytime day or night, there's always a real person waiting to help.

03 456 100 100

Get safe online

Visit the Get Safe Online website for more information about the ways you can protect yourself online.