Do I always need my card-reader when I bank online?

To keep your account secure, you may need to use a card reader to confirm your identity when logging into Online banking.

In Online banking, you'll also need a card reader to:

• set up a payee
• make a payment for the first time
• update any regular payments, like standing orders
• update personal details, like your mobile number, PIN, email address or password
• manage your activity alerts

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