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 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:

  • Logging in (we'll sometimes ask you to use a card reader for additional security)
  • Creating or amending a payee
  • Creating or amending a standing order
  • Changing your mobile number or email address
  • Changing your PIN or password
  • Making a payment for the first time to a payee added as part of the account switching process


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

If you need help with your card reader then please visit our Support Centre page

Something else we can help you with?