Strong Customer Authentication

We're introducing smarter, stronger and safer ways to keep you protected online

What's changing?

Soon we will ask you to confirm your identity more often when using Online Banking or when you buy something online with your card. It'll provide extra protection against fraud and scams by ensuring it's you who is using your details, and not someone pretending to be you.

In the next few weeks, you'll notice that when you log in to your account or buy something online, we'll occasionally text you a code to your mobile phone. This is called a one time passcode (OTP) and you'll need this to complete your task. 

We may also ask you at times to use your card reader with your debit card (or your Online Banking card if you don't have a debit card) when logging into Online Banking.

If we can't confirm it's you logging into your account, you will experience a restricted service. This means you will only be able to view your balance, order/enable your card reader and make transfers between your own NatWest accounts.

Why the change?

Fraudsters and scammers are becoming more clever and sophisticated. It's our job to keep one step ahead, and to keep your money safe.

We're continually investing in new technology for extra security - and that's why we're introducing a number of new changes to keep you secure.

Tackling Fraudsters

It helps to know how fraudsters work, so you can avoid their tricks. Here are some tips to help:

Never share your full Online Banking PIN or password with anyone over the phone, by text, or by email - even if they claim to be from the bank or the police.

Never share your card reader codes, one time passcode, app passcode or activation codes with anyone.

Never take an instruction from a stranger asking you to transfer money from your account.

If someone calls you unexpectedly, never let them access your computer remotely.

Always keep your contact details up to date - so we can get in touch with you immediately if we spot suspicious activity on your account.

Frequently asked questions

Something else we can help you with?