Payment Services Directive 2 (PSD2)

Strong Customer Authentication (SCA)

We’re introducing Strong Customer Authentication (SCA) to help reduce online fraud. With the increasing amount of payments being made online, using contactless or through Bankline, this extra protection will help customers stay safe and secure.

SCA, also referred to as Two Factor Authentication (2FA) means authentication is based on the use of two or more of the follow elements.

  • Knowledge: something only you know for example, a password or PIN.
  • Possession: something only you have for example, a bank card.
  • Inherence: something unique to you for example, fingerprints

If one of these elements is compromised, it won't affect the others as 2FA is designed to protect you.

We’ll never contact you unexpectedly to ask for your PIN, full password or to move money to another account. You should only give out personal or financial details if you’re using a service and are expecting that service provider to contact you.

What you need to do

You need to make sure we have your correct details. If you use online banking or Bankline, you can update your details there. If not, get in touch by popping into branch or giving us a call.