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When will I need to use my card-reader?

For extra security, we may ask you to generate a one time passcode using your card reader. This is so we can confirm your identity when logging into .

When you bank online, you also need a card reader to:

  • set up a payee
  • make a payment for the first time online
  • update any regular payments, like standing orders
  • amend the payment reference when paying a bill or company who's account details are stored within Online Banking
  • update personal details, like your mobile number, PIN, email address or password
  • manage your activity alerts

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