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Why do I need to use my card-reader when I set up a payment to someone new?

This is because we need to be sure the new instruction is coming from yourself. Using your card with the card-reader is like giving us your electronic signature - adding another layer of security to your banking transactions.

For further information on using a card-reader see Do you have a card-reader? (opens in a new window).

Alternatively you may be eligible to use your biometrics on your mobile app.