Encryption in transit
Every session is protected with 256-bit TLS encryption end to end.
Security centre
We will never ask for your password, PIN or one-time code
Not by phone, not by email, not by text. If someone claiming to be from the bank asks, end the conversation and call us on the number printed on your card.
Report suspicious activityHow we protect you
Layered defences on every account
Multi-factor authentication
One-time codes and biometric sign-in on supported devices.
Transaction PIN
A separate PIN authorises money movement, card reveals and profile changes.
Continuous monitoring
Behavioural analytics flag unusual activity before it settles.
Device management
Review and revoke every device that has signed in to your account.
Zero liability
Confirmed unauthorised card transactions are reimbursed in full.
Common scams
Know the warning signs
Impersonation calls
Someone calls claiming to be from the fraud team and asks you to move money to a "safe account". No bank will ever ask you to do this. Hang up and call the number on your card.
Phishing emails and texts
A message with an urgent deadline and a link to "verify" your account. Check the sender address, never tap the link, and reach online banking by typing the address yourself.
Payment redirection
An invoice arrives with changed bank details. Always confirm new payee details by phone using a number you already held — never one supplied in the email.
Romance and investment scams
Pressure to move quickly, guaranteed returns, or a request to keep the arrangement private. Genuine investments never require secrecy.
Refund and overpayment scams
You are told you have been overpaid and asked to return the difference. The original payment is usually reversed later, leaving you short.
If something looks wrong
What to do straight away
- Freeze your card from online banking — it takes one tap
- Change your password and transaction PIN
- Review signed-in devices and revoke anything unfamiliar
- Call us on the number printed on the back of your card
Suspect fraud on your account?
Call us immediately. Our fraud team operates twenty-four hours a day, every day of the year.