Keeping you safe online
Safe and secure online business banking
Many online business banking customers have told us they want logon and banking to be easier. So we have listened. You can now use card reader or Memorable Information to logon to your Business Internet Banking making it quicker and easy for your day to day transactions.
Key points
- Safe and secure
- Identify, Respond and Sign
- What cards can I use?
- FAQs
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We will only ask you to use your card reader for certain payments journeys when you’re online and they are detailed below.
It’s easy to use and works by generating unique, one-time passcodes which are used to help identify you and to confirm some of your online banking activities like bill payments and setting up new recipients.
We’ll prompt you each time you need to use it and simple on-screen instructions will always guide you through the steps to take.
Your card reader holds no personal information about you and does not need to be connected to a computer.
You may have not received your card and card reader yet. If you just applied your card and reader should be with you soon. If you don’t receive it after 5 days have passed please give our Helpdesk a call on 0345 300 2924 (+44 (0)131 339 8620 from overseas).
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We’ll ask you to use your card reader in two different ways when you're online.
Identify
To help confirm your identity, you’ll need to use this function at logon (if you prefer to). This will help us to confirm the requests are really coming from you and not a fraudster who has obtained your details.
- Insert the card into the card reader and press IDENTIFY
- Enter your PIN number and press ‘ENTER’ on card reader
- Card reader will now display 8 digit passcode to be entered in the logon page to access your account
Respond
This function will be required for setting up new recipients (including setting up standing orders and bulk payments) or to set up your Business Mobile Banking app.
- Insert the card into the card reader and press RESPOND
- Enter your PIN number and press ‘ENTER’ on card reader
- Enter the number displayed on the screen in your card reader and press ‘ENTER’
- Card reader will now display 8 digit passcode to be entered in the payment page to complete the transaction
To set up Mobile Banking app please click Business Mobile Banking guide.
Sign
At the moment we will not ask you to use the ‘Sign’ function for any transaction.
Any requests to use ‘Identify, Respond or Sign’ when not carrying out the activities listed in the table below should be treated as a potential fraud attack.
If in any doubt, terminate your on-line session and call us immediately on 0345 300 2924 (+44 131 339 8620 from overseas). Lines are open Monday – Friday 7am – 8pm and Saturday, 9am – 2pm. This is excluding bank holidays.
As usual, please make sure nobody is watching you whenever you enter your PIN into the card reader, or when entering passcodes into the Internet Banking screens. We will never call you to ask for any Identify, Respond or Sign codes from your card and reader.
Activity
Function required
Activity
Log on (using card reader)
Function required
Identify
Activity
Make a payment
Function required
Password only
Activity
Amend the date of payment
Function required
Password only
Activity
Order a copy statement
Function required
Password only
Activity
Amend the date or frequency of a standing order
Function required
Password only
Activity
Set up a new Bulk Payment
Function required
Respond
Activity
Add or amend a Bulk Payment recipient
Function required
Respond
Activity
Set up a Bill Payment
Function required
Respond
Activity
Set up a new recipient
Function required
Respond
Activity
Set up a standing order
Function required
Respond
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You will need to use the Authentication Card and PIN which we have sent to you.
This card and PIN is only for use with the card reader.
Using your card reader for the first time
Before you can use your card reader, you'll need to activate it.
To do this, simply follow this process:
Step 1:
Log on to Business Internet Banking, entering your user name and password.
If you are already a Business Internet Banking user, proceed to Step 2.
If you are new to Business Internet Banking, go directly to Step 3.
Step 2:
If you are already a Business Internet Banking user you’ll be asked to confirm you've received your card reader. Please select the 'I have everything I need' option and click Continue.
Step 3:
Check that the last 5 digits of the authentication card you are using match the details shown on the screen. If they don't, they can be overtyped with the last 5 digits from the authentication card you are using.
Step 4:
Slide this card into the card reader as shown below. Your reader will switch on automatically when you insert the card.
Step 5:
Press the button on the card reader. The card reader display will show ENTER PIN.
Step 6:
Key the PIN for the card you're using into the card reader and press
Step 7:
Once you’ve entered your PIN correctly, your card reader will show an eight-digit number, this is your passcode.
Key this passcode into the box shown on the Internet Banking screen and click Continue.
Your log on is now complete. In future, when logging on Step 2 will not appear.
About your passcodes
Passcodes are randomly generated and are unique. Your card reader will produce a new passcode each time you use it, so you won't need to remember them or write any of them down
Increasing the size of the display
To increase the size of the card reader display, just press the
button when a passcode appears.
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Q: What should I do if I need a replacement card reader?
If your card reader is faulty, damaged or lost you can order a replacement by calling the Internet Banking Helpdesk on 0345 300 2924
Q: What happens if my card reader is stolen?
If your card reader is stolen you can order a replacement by calling the Internet Banking Helpdesk on 0345 300 2924
Q: What happens if I don't have my card reader or it's not working, and I need to access for Business Internet Banking?
If you have trusted your device you can log in using memorable information to view your accounts. Any other UK bank card reader should work with your card in the same way. The card reader holds no personal information about you, so if a colleague has one you should be able to use theirs. As long as you have your card and your PIN, which are unique to you, you should still be able to generate passcodes.
Only use a card reader from a trusted UK source. Alternatively, if you don't have access to a card reader, please call our helpdesk on 0345 300 2924.
Q: Can I have more than one card reader?
Yes, you can order an additional card reader from Business Internet Banking. There may be a charge for additional card readers.
Q: I have a disability that may prevent me from using my card reader, what can I do?
Please contact our Internet Banking helpdesk on 0345 300 2924.
Q: What cards can I use with my card reader?
You need to use the Authentication Card, which we have sent you, to generate passcodes.
Q: What should I do if I need a replacement Authentication Card
If you need a replacement Authentication Card please call us on 0345 300 2924.
Q: What happens if I've forgotten the PIN for my card?
You will need to know the PIN for your card in order to use it with your card reader. If you have forgotten your PIN call us on 0345 300 0268. and we will send you a new one. Lines are open Monday – Friday 7am – 8pm and Saturday, 9am – 2pm. This is excluding bank holidays.
Q: If I get my PIN wrong will it block my card?
Yes, if you get your PIN wrong three times the card reader will show 'PIN Locked' and you won't be able to use your card. You can unlock your card at any Bank of Scotland, Lloyds Bank or Halifax cash machine in the UK, or you will need to call us on 0345 300 0268. to order a new PIN.
Q: I'm overseas and have forgotten / blocked my PIN. How do I unblock it?
Your PIN cannot be unblocked using an overseas ATM. We'll need to issue a new card and PIN.
Other questions
Q: Do I need to use my card reader for my personal Internet Banking as well?
No. The security provided by your card reader is specially designed for business accounts, which can have high transaction levels, lots of money coming in and out, and multiple users accessing the same account.
We use different verification procedures, such as Enhanced Internet Authentication (EIA), to protect our personal customers and their information, which we believe better suit their needs
Q: How long does the battery last on the card reader?
The length of battery life will depend on how much the reader is used. The reader takes 4 LR44 replaceable batteries that can be bought from many retailers. A 'Battery Low' warning message will be displayed on the card reader display when the batteries need replacing.
Q: What should I do with my old card reader batteries?
These can be recycled using your local authority's recycling facilities.
Q: I've had a replacement card reader because my old one was faulty. What should I do with my old card reader?
Our card reader manufacturer is a Waste Electrical and Electronic Equipment (WEEE) registered supplier. You should be able to recycle your old card reader using the facilities provided by your local government authority.
Q: Do I need a card reader to make payments?
To make a payment to a new beneficiary you will be required to use your card reader for verification. To make a payment to an existing beneficiary you can simply use your password that you use for login.
Q: What is the Respond function?
The Respond key on a card reader is used for setting up or amending a new beneficiary or a standing order. Please follow the on screen instructions to generate a passcode.