Changes to using your card online

When you’re shopping online, we may need to confirm that it’s really you using your card. This is to keep your card secure. Up to now, this was done just by sending you a text with a one-time passcode. 

However, over the next few weeks, we will start to introduce new ways to confirm it’s you, such as using an app or using a password for online purchases along with a one-time passcode.

These changes are called Strong Customer Authentication (SCA for short) and help fight fraud and make your online purchases even more secure.      

When you’re shopping online after you’ve entered in your card details to pay, a Visa screen may appear to ask you to confirm your transaction.   The on screen instructions will tell you what to do next.

Personal Cardholders 

Password for online purchases

To confirm it’s really you using your card online, you’ll need to set up a new password for online purchases, to be used along with a one-time passcode we’ll send you by text message.

Find out more here

No mobile phone?

We will have an alternative way for you to confirm your purchases.

We will tell you more about this service when it is available.


These changes will happen over the next few weeks. For a short time, you may still be asked to confirm it’s you by using a one-time passcode for some of your cards until SCA is introduced for all of our cards.

If you are asked to confirm a purchase, the information on the screen will prompt you on what to do. 


Do you have any additional cardholders (also known as Authorised Users) on your credit card account?

Make sure all additional cardholders are aware of this change as they will have to set up their card to confirm purchases too.   


Business cardholders

How to confirm your purchases

For business customers, each person who has a card on the account will need to download a new app. We will tell you more about the app when it is available.

For now, if we need to confirm it’s you, we’ll continue to send you a one-time passcode by text message and you must enter this code to complete your online purchase.