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Safe online shopping

Shop safely with Mastercard® Identity Check

We want you to be safe when you use your Clydesdale Bank debit card for online shopping. That’s why your Clydesdale Bank card is protected by Mastercard Identity Check.

Mastercard debit cards use the latest chip and PIN technology to combat fraudsters. For online purchases performed within a Merchant’s App or on their website, Mastercard® Identity Check™ improves your security even more without the need to register or remember a password. Using either our Mobile Banking App or a one-time passcode sent to your registered phone number, Identity Check lets you identify yourself as the owner of the card and stops anyone else using your card online.

Why am I being asked to provide my postcode with my One Time Passcode when shopping online?

As part of the new Payment Services regulations (PSD2), you may be asked more often to verify a purchase when shopping online. These industry-wide changes mean that online retailers will need to ask us for extra security checks, to confirm that it's you, or your additional cardholder(s), making the purchase.

As well as entering a One Time Passcode, you may also be asked to enter your home postcode to confirm your online purchase. This is so we can use behavioural biometric recognition technology to verify your identity. This is an industry-wide change and an important improvement in protecting you from fraud when shopping online.

What are behavioural biometrics?

Behavioural biometrics is a new type of check to help us verify your identify. It looks at ‘how’ you interact when using your device, for example the use of your keyboard, mouse and/or the way in which you hold your device.

Using this kind of technology allows us to recognise if someone really is who they claim to be when they interact online, or if the activity is potentially fraudulent. We’re introducing this as part our commitment to keep you safer when shopping online.

When we ask you to enter your home postcode along with a One Time Passcode on some online purchases, we’ll complete a behavioural biometric check. This will look at how you enter these details, so we can make sure it’s really you making that purchase and not a fraudster.

We’ve updated our Privacy policy to include the use of behavioural biometrics.


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