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You’ll need to log on using a Secure Key from 5 September

With digital fraud and hacking at a record high, new regulations are coming into effect in mid-September that are designed to help everyone's accounts be even safer.

This means from 5 September,  you won’t be able to log on to Online or Mobile Banking using just your Online banking password and answer to your memorable question.

Instead, you’ll need to use a Secure Key. You may already have one, but if not, here’s how it works:

A secure key is a type of two-factor authentication that lets us know it’s you that’s accessing your account, and nobody else.  

You can either use a Digital Secure Key (part of the Mobile App) or a Physical Secure Key (which is a key ring that looks like a mini calculator).


What does this mean for you?


If you're having problems accessing Online or Mobile Banking, here's where to get help:

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Secure Key FAQs >




What is a Secure Key?

A secure key is an extra layer of security that helps look after you and your money by generating a unique, single use security code every time you log on. There are two types – a Digital Secure Key that sits on your Mobile Banking App, and a Physical Secure Key that’s a little key ring that looks like a mini-calculator. You can choose the type that suits you, but we recommend a Digital Secure Key. It makes using our Mobile App much easier, and if you’ve got the right kind of phone you can use fingerprint or face recognition to make logging on and getting things done even easier.

Why are these changes happening?

New regulations are coming into force across the UK and Europe under the Second Payments Directive, which are designed to ensure that everyone’s accounts are protected from ever-increasing scams and fraud attacks.  It’s easier for fraudsters if you log on using just a password, but two-factor authentication (ie – a Secure Key) gives you an extra layer of security to help keep you seriously secure.

What is two-factor authentication?

A password is one level of security (or – one factor). But fraudsters can try and guess passwords, making them vulnerable. Two-factor authentication means there’s another layer of security (on top of your password) to keep you even more secure. A Secure Key is first direct’s version of two-factor authentication. It generates a one-time security code each time you log on, meaning it’s much harder for a fraudster to breach.