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Secure Key

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).

If you have a smartphone or another compatible device, we recommend a Digital Secure Key. It makes it easy to log on and get your banking done.

Find out more about which devices are compatible with a Digital Secure Key

 

What does this mean for you?

If you already have a Digital Secure Key

Nothing will change, just continue as normal.

You can even use fingerprint or face recognition if your device supports this.

Find out which devices support a Digital Secure Key >

If you use a Physical Secure Key

You can continue to use this, but you may wish to consider switching to a Digital Secure Key if you have a compatible device.

Your Physical Secure Key will still let you authorise payments on Desktop Online Banking, but it won’t let you verify payments within the App when we need your authorisation.

A Digital Secure Key is built into the first direct Banking App which means you can use your fingerprint or face recognition to seamlessly log on or authorise payments on compatible devices. This makes banking quicker and easier for you because we’ll need you to authorise your payments with your Secure Key more regularly once the new regulations come in.

If you don’t have a Secure Key

You’ll need one to access your Online Banking and App very soon.

Find out how to get set up >

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

Restart my Secure Key >

Secure Key FAQs

 

What is a 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 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. 

    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.