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 or authorise a payment. There are two types of Secure Key - a Digital version that works as part of the Mobile Banking App - perfect if you have a smartphone or tablet. Or, you can use a Physical version that is a little key ring that looks like a mini calculator.
We recommend setting up a Digital Secure Key. It’s built into the first direct Banking App, and if you have the right type of smartphone you can use your fingerprint or face recognition to seamlessly log on or authorise payments.
Find out more about which devices are compatible with a Digital Secure Key
Is the Mobile App secure?
Yes. Just like Online Banking on a Desktop, the App includes state of the art security measures. Plus, if you were to misplace your phone, your App is protected with your own security details - including biometrics if you set up your Digital Secure Key with this functionality.
Your Digital Secure Key is built into your Mobile App, making logging on and authorising payments almost seamless because you can set up your Digital Secure Key with fingerprint or face recognition within your smartphone or other compatible devices. Even if you don’t want to use the App to do your banking, and you’d prefer to use Online Banking, a Digital Secure Key, held securely in your App, is a safe, fast and easy way to access your log on and payment authorisation codes.
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.