We use the latest technology to manage your Online Banking experience. Not only does this reduce the risk of fraud but it also makes Online Banking easier. Here are some of the features of our new Online Banking security:
2 factor authentication security
We use a 2 factor authentication security when you register and log in to your Tesco Bank Credit Card, Savings and Loans Online Banking. We do this to ensure that we can always verify:
- 'Something You Have' – your mobile phone or your computer, and
- 'Something You Know' – your login or account details
This prevents fraudsters from using stolen security details to access your account online.
Registering for Online Banking
You can register for Online Banking if you have a Savings, Loan or Credit Card account.
If you don’t register as part of the application we’ll need to send you a Temporary Security Number so you can complete your registration.
This means we can be confident its you who is registering with your account details.
Logging in to Online Banking
When you register for Online Banking or change your password, we ask you if you would like us to recognise your computer. To do this we store a small security token on your computer. It doesn’t hold any private or personal information about you or your account; it simply allows us to recognise your computer when you login to Tesco Bank Online Banking. Recognising your computer is a security measure as it helps us make sure it’s you logging in.
You can ask us to recognise as many computers as you like. Because we use it as a security measure, you shouldn’t ask us to recognise a public computer, for example a computer in an internet café or a library.
If we don’t recognise the computer you’re using, we ask you to enter a One Time Access Code, which we’ll send by text message to your mobile. This helps stop fraudsters logging in to your account because they either have to be using a computer you’ve asked us to recognise, or have your mobile phone as well as knowing your Online Banking security details.
We’ll also use a One Time Access Code if you reset your Online Banking Security Number or Password.
Your Online Banking image and phrase
When you register for Online Banking or upgrade your existing security details, you'll be asked to choose an image and phrase that you’ll recognise. Your chosen image and phrase will be displayed every time you log in, so you'll know you're on the real Tesco Bank website. This is to help protect you against phishing. When you log in, if your image and phrase is not displayed, you should not enter your security details and you should contact us straight away.
All our servicing and application processes are protected through a secure connection. You can tell whether you are using a secure connection as your browser will show either icons in the address bar or padlock symbols on the bottom bar of the browser window.