Upon login, you will need to authenticate yourself by entering your username and password. You should never share these credentials with anyone else. You will then be presented with an additional screen, where you will be asked to enter a 6-digit code in order to finish the authentication process.

This code will be delivered via text message (SMS) and can also be delivered via text to voice on landlines for those in poor coverage areas*.

*subject to the functionality being supported by the national telephony infrastructure

You won’t enter your username and password again when adding or managing a beneficiary. During this process, you will be presented with an additional screen, where you will enter a 6-digit code in order to finish the authentication process.

This will be delivered via text message (SMS) (it can also be delivered via text to voice on landlines for those in poor coverage areas). This will not be the same 6-digit code you used to log in. The SMS text message will also contain the beneficiary name that you are adding.

You won’t be asked to enter your username and password when authenticating payments.

- There will be an additional screen, where you will be asked to enter a 6-digit code in order to finish the authentication process

- This will be delivered via SMS text message (it can also be delivered via text to voice on landlines* for those in poor coverage areas)

- The SMS text message will feature additional information:

  1. If you are instructing a single payment one payment it will include the total amount you are paying and the full name of the beneficiary
  2. If you are instructing multiple payments, you will see the total sum amount you are paying and the sum of the beneficiaries you are paying

*Subject to the national telephony infrastructure in your location supporting this functionality

Account security is something we all take very seriously and must continually develop, review and improve. We are already starting to investigate alternative methods for authentication to make managing your account even more convenient without compromising on security.

If the national telephony infrastructure of your location supports text-to-voice functionality it will be possible to receive the authentication codes to a landline.

Text-to-voice is functionality which allows an SMS to be delivered to landlines via a robotic voice akin to the speaking clock. As a customer, you will not be charged to receive this text.

Unfortunately, if you are unable to successfully authenticate a payment using 2FA, then that deal will not be booked, and no payment will be made.

You will either need to re-authenticate using SCA or contact your account manager to book a telephone deal. No payment can be made online without successful strong customer authentication taking place.