Strong Customer Authentication (SCA)

Read our guide below which provide you with useful information of what the new Payment Services Directive 2 (PSD2) is and how it can affect you as a customer.



What is Strong Customer Authentication?

There is a new piece of legislation coming into effect soon designed to keep your online purchases safe from fraud. Most online purchases you make will be verified by us sending a unique passcode to your mobile phone number. This is known as a ‘one-time’ passcode. The extra step is to confirm it is really you.


Strong Customer Authentication is being introduced to help further reduce fraud. With increasing amounts of purchases being made online, these new rules will provide the extra protections necessary to ensure that customers are safe when purchasing online and their money better protected.


What will Strong Customer Authentication mean for me?

Strong Customer Authentication will apply to you when you are making an online purchase. When buying items from online retailers, you may receive a text message from Vanquis containing a one-time passcode. You will then be prompted to enter this code on-screen before your payment will be taken.


You may not be asked to prove your identity in this way for every purchase or transaction.


What do I need to do?

Be ready for the changes by making sure your contact details are correct and up to date. If they are not you can call our friendly Customer Services team on 0333 099 3000* to update them.


See full telephone number and call charge information*


As always, remember to Take Five and stop to think. A genuine bank or organisation will never contact you out of the blue to ask for your PIN, full online password or to move money to another account. Only give out your personal or financial details to use a service that you have given your consent to, that you trust and that you are expecting to be contacted by.


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