Ways to Bank

Using your card-reader

In a nutshell

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.

It also allows you to set up new payments, change your details and more.

Your step-by-step guide:

When asked to use your card-reader it's the same 5 steps each time:

  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

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 a CAP 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 to a payee added as part of the account switching process
  • Creating or amending a payee
  • Creating or amending a standing order
  • Changing your mobile number
  • Changing your PIN or password


We will never ask you to use your card-reader to log in to Online Banking, and we will never phone you to ask for your card-reader details.

If you need help with your card-reader then please visit our support centre page

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