Changes to shopping and banking online

Make sure you’re ready

Like many other banks, we’re adding extra security checks when you use Currency Internet Banking and shop online.

If you do either of these things, you may notice an extra step in security. This is because you’ll need to use two different ways of proving who you are. Your password and memorable information count as one way. The other way could be getting a passcode sent to your mobile, or us calling a number we hold on file.

It’s important that you’re ready for these extra steps, otherwise you might not be able to make your purchase or log on.

How do I prepare?

To make sure you're able to complete these extra security checks, there are a few things you can do:

  1. Check and update your phone number so we’re able to text a passcode to your mobile or call your telephone.
  2. When prompted, you can trust your device. Trusting your private and secure computer, laptop, tablet or mobile means we’ll know it’s you logging on.

It’s very important that we have your up to date telephone number. You can update this from inside your Currency Internet Banking or by calling us. For more information on Sterling Internet Banking, please refer to this page.

Changes to shopping online

When checking out purchases over a certain amount, you’ll notice the extra security during payment. The payment screen will ask you to verify yourself. You can do this through your:

  • App: Use the app to verify your purchase (Sterling cards only).
  • Text: We’ll text a passcode to your mobile phone, which you then enter on the payment screen.
  • Over the Phone: This will be an automated call to a telephone number we hold on file, asking you to say a code which comes up on your payment screen.

Changes to banking online

When using Internet Banking, you’ll notice the extra security during log on and when making certain transactions. The screen will ask you to verify yourself. You can do this through your:

  • Device: If you regularly use your computer, laptop, tablet or mobile for Internet Banking, you can trust it. This helps us know it’s you logging on and not someone else.
  • Over the Phone: This will be an automated call to a telephone number we hold on file, asking you to say a code which comes up on your internet banking screen.

Changes to Internet Banking - Frequently asked questions

  • ‘Strong Customer Authentication’ means we will provide an extra layer of security for our customers. For you, it means more protection when you’re shopping and banking online. It will involve extra checks to prove it’s really you. This will help keep you safer from online fraud.

  • An extra layer of security makes it harder for fraudsters to target your online accounts.

  • Most people use passwords as way of proving it’s them. Sadly, passwords can be guessed or stolen by fraudsters. So we’re adding a second layer of security to check it’s really you, and make it harder for anyone else to. There are three ways you can verify yourself:

    • “Something you know” - this is a piece of secret information that only you know, like your password.
    • “Something you have” - this is a device you own, like your mobile phone or card reader.
    • “Something you are” - this is something that is unique to you, like your fingerprint.

    You’ll need to provide two of these three ways to verify it’s you. This is called 'two factor authentication'.

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