What is a verification code?

A verification code is an additional layer of security and protection when you bank online. We use verification codes in conjunction with other authentication methods to verify it's really you.

To use online banking, when completing certain actions, we’ll send you a verification code by text message or email. You will receive a new code each time you complete an action which requires two-factor authentication. It’s important that you never tell anyone your verification codes.

When using your card for online purchases, before a payment is approved at the checkout, you may be asked to enter

  1. Your full Visa Secure password
  2. A one-time passcode that we will send by text message to the UK mobile number we have registered for you.

If either the Visa Secure password or one-time passcode is entered incorrectly too many times at the checkout, then the payment will not be authorised. More information