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Ways to Bank

What is a card reader and how do I use one?

What is a card reader?

A card reader is a security device needed by all customers looking to get the most out of Online Banking.  It works with your Online Banking service to provide an extra layer of protection against online fraud.

When you register for Online Banking a card reader will automatically be sent to you and should arrive within 7 working days.

When you'll need a card reader

When you are banking online you may be asked to use your debit card and card reader. If you don't have a debit card then you will be provided with an Online Banking card. This can only be used in the card reader.

You will be asked to use your card reader when completing certain tasks in Online Banking, such as:

  • Making a payment for the first time
  • Creating or amending a payee
  • Changing your personal details, like your mobile number, email address or PIN and password


We will never contact you to ask for your card reader details.

Setting up a card reader

How to use a card reader

  1. 01

    Insert your card into the reader making sure the card number matches the one shown on Online Banking

  2. 02

    On the card reader, when asked to 'Select Function', press the button with the up and down arrows

  3. 03

    When prompted, enter your card's PIN and press the 'OK' button 

  4. 04

    In the card-reader, enter the number displayed by Online Banking and press the 'OK' button

  5. 05

    In Online Banking enter the passcode number shown by the card reader

How to order a card reader

Should you need to order a replacement card reader this can be done through Online Banking, please allow up to 7 working days for the card reader to reach you.

Common Questions