Why do I need to use my card-reader when I set up a payment to someone new?

This is because we need to be sure the new instruction is coming from yourself. Using your card with the card-reader is like giving us your electronic signature - adding another layer of security to your banking transactions.

For further information on using a card-reader please see Do you have a card-reader?.

Alternatively you may be eligible to use your biometrics on your mobile app.