There are some important changes which are being introduced by the Financial Conduct Authority (FCA) on behalf of the EU. These changes will affect the way you pay for goods and services online.

The new system, called SCA (Strong Customer Authentication), will be introduced from 14 September, 2019. The changes will apply to online purchases made from any retailer.


What’s changing?

To help prevent fraud extra security checks will be made when you pay online. These checks are applied randomly by your card issuer. When making a purchase you may be asked for a one-off code which your card issuer will send to your smartphone.


Do I need to do anything?

It may be advisable to ensure your bank or card issuer has your up to date contact information. And of course you’ll need to keep your phone handy when you make an online purchase.

Should you need any further information about SCA you should contact your bank.


How SCA will work

* This step may be skipped, codes are randomly generated.