When will I need to use my card-reader?

For extra security, we may ask you to generate a one time passcode using your card reader. This is so we can confirm your identity when logging into Online Banking.

When you bank online, you also need a card reader to:

• set up a payee
• make a payment for the first time online
• update any regular payments, like standing orders
• amend the payment reference when paying a bill or company who's account details are stored within Online Banking
• update personal details, like your mobile number, PIN, email address or password
• manage your activity alerts

Alternatively you may be eligible to use your biometrics on your mobile app.