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The Payment Services Regulations 2017 were introduced to help reduce the risk of fraud, which means we’re making some changes to the way you log in from 13 March 2021.

How will logging in change?

The first time you log in after the regulation has been introduced, we’ll ask you to confirm your phone number. Each time you log in after that you’ll need to:


Enter your username, date of birth, Online Password and digits from your Secure Number as normal.


We’ll send you a verification code by SMS (or an automated call if you prefer).


You’ll just need to enter this code onscreen - that’s it, you’ll be logged in.

These changes only apply to you if you hold a Currency or Active Savings account.

What else might you need to know?

More than one account holder - If you have an account that’s held by more than one person you’ll need to nominate one person to receive the verification code.

Automatic timeout - The new legislation means you’ll automatically be logged out of your account after five minutes of inactivity and you’ll no longer be able to adjust the period of time after which we’ll log you out for inactivity.

Linked accounts - You'll still be able to use our linked account service as you did before. But there will be changes for anyone who is linked to your account that doesn't have an Active Savings or Currency Account. We've contacted them separately to let them know what they'll need to do if they still want to be linked to your account.