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are changing
New steps to help protect you from fraud
What’s Strong Customer Authentication?
It’s part of new banking regulations to make things safer when you bank and transact online. So, from 14 September 2019 there’ll be an extra level of security when you make online card payments and when you use internet banking.
What it means for you
What you’ll have to do depends on whether you’re paying by card or using internet banking.
When you pay with your card online
When you purchase goods or services online, we will identify it's you using your card details and:
Through the app
You’ll be prompted to authorise payments through the app
Using your mobile
We'll send a 6 digit one-time passcode to your mobile or landline
When you’re using internet banking
As well as your customer number and password, there'll be one more step:
Through the app
If you use our app, you’ll confirm your login with a passcode or fingerprint ID
With your mobile phone
If you are not registered for our app, we'll send a 6 digit one-time passcode to your mobile or landline
With your security token
If you have a security token, you can use it to generate a secure number
Some transactions won’t need to be verified – including recurring transactions and low-value payments.
For extra security, when using your contactless card you’ll sometimes be asked to enter your PIN as well.
How to be ready for the change
Once the changes come in, the easiest and quickest way to confirm payments and bank online will be using our mobile banking app. If you already use our banking app, you just need to make sure you have the latest version before then.
If you don’t have our app, make sure we have your current mobile or landline number (call us on 0800 028 1592 or visit us in branch if you’re not certain). You can check the details we hold about you on internet banking by logging in and viewing your contact information from the 'More' menu.
If you prefer to use your security token, be sure to keep it handy for when you make payments.
If we can’t verify it’s you, we will stop you from logging into your account online and your card transactions will be declined.
Download the Clydesdale Bank app
Make sure you’re prepared, download our app now and you can read more about fraud prevention here.
Frequently asked questions
What is the password I am asked for when making a payment?
This is your internet banking password, it is an additional layer of security used when logging in to internet banking. The password would have been created when you set up internet banking. This will be between 6 to 16 characters long, contain at least one number and one letter and at least one special character.
If you need to reset your password go to here.
Where can I find which version of the app I am using?
App version number (e.g. v 2.17) is shown under About Clydesdale Bank in the app which can be found in the More tab. It is useful to have this ready if you are getting help from us about your app.
How do I update my app?
The latest version of the app can be found in official AndroidTM Google Play store or AppleTM App Store on your device. Search for Clydesdale Bank and click the Update option and the latest version of the app will be downloaded to your device.
If you are an iOS user and you cannot update your app, it may be because your device is not compatible with version 2.18 or later of the app. If your device is on the list of incompatible devices, you will no longer be able to use the mobile app. However, you can still do your banking on your device, just click login to Clydesdale internet banking on a browser.
If you are still having problems, please call us on 0800 345 7365. We ‘re here 24 hours a day for further information.
How secure is the mobile app to keep my information safe?
Our mobile app conforms to the two factor authentication industry standard for mobile banking. This means, you are required to have two separate identifiers in place to use the service – a mobile smartphone / table and your own security information. Combined, this ensure that only you have secure access to your accounts.
What is the password I am asked for when making a payment?
This is your internet banking password, it is an additional layer of security used when logging in to internet banking. The password would have been created when you set up internet banking. This will be between 6 to 16 characters long, contain at least one number and one letter and at least one special character.
If you need to reset your password go to here.
Where can I find which version of the app I am using?
App version number (e.g. v 2.17) is shown under About Clydesdale Bank in the app which can be found in the More tab. It is useful to have this ready if you are getting help from us about your app.
How do I update my app?
The latest version of the app can be found in official AndroidTM Google Play store or AppleTM App Store on your device. Search for Clydesdale Bank and click the Update option and the latest version of the app will be downloaded to your device.
If you are an iOS user and you cannot update your app, it may be because your device is not compatible with version 2.18 or later of the app. If your device is on the list of incompatible devices, you will no longer be able to use the mobile app. However, you can still do your banking on your device, just click login to Clydesdale internet banking on a browser.
If you are still having problems, please call us on 0800 345 7365. We ‘re here 24 hours a day for further information.
How secure is the mobile app to keep my information safe?
Our mobile app conforms to the two factor authentication industry standard for mobile banking. This means, you are required to have two separate identifiers in place to use the service – a mobile smartphone / table and your own security information. Combined, this ensure that only you have secure access to your accounts.
You can find impartial information and guidance on money matters on the “Money advice service” website.
Clydesdale Bank is covered by the Financial Services Compensation Scheme (FSCS), Find out more.