Online card payment security (SCA)
What is Strong Customer Authentication (SCA)?
SCA is an extra security check that is applied each time you access your Online Banking Services, initiate an online payment or carry out other actions, such as creating or amending a trusted beneficiary in online banking. SCA helps protect you against online fraud.
Enhancements to Strong Customer Authentication (SCA) are being implemented by all UK banks as a regulatory requirement to improve security for online card payments. This means that you will need to authenticate online card payments more frequently than you currently do.
Authenticating an online card payment
There are three ways of authenticating an online card payment:
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SMS One-Time Passcode (OTP) sent directly to your mobile phone – just enter the OTP when prompted to complete the authentication. More information and FAQs on OTPs can be found here.
If you have recently changed your mobile phone number, please contact our Card Services Team on +44 (0)20 7012 2900 to ensure your details are up to date.
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Arbuthnot Latham Card App – Available in both IOS and Android version, the app allows you to verify your card transaction either with a PIN or other means of identification dependent on your device. See How to download the app and Card App FAQs for more information.
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Digipass – A handheld device accessed by a PIN that generates a One-Time Passcode that you enter when prompted to complete the authentication. More information and FAQs about using a Digipass can be found here.
If you are interested in having a Digipass, please call our Card Services Team on +44 (0)20 7012 2900.
How to download the app
Our app is available to download free of charge to your smartphone on the App Store, or Google Play. Simply scan the QR codes below or click on the link to the appropriate store.
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How to verify a payment using the Arbuthnot Latham Cards App
Once you have downloaded and set up the app, for some online purchases, you will automatically be prompted to verify if it is you making the purchase through the app.
The following short video shows the new payment verification process.
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The Arbuthnot Latham Cards App also allows you to:
- Activate and put a temporary block on your cards
- Set spend controls
- Retrieve your card PIN
- See real-time card transaction information.
If you experience problems downloading or setting up the app, please call our Card Services Team on +44 (0)20 7012 2900.
Be Fraud Aware
We will never ask you to disclose a One-Time Passcode or PIN. Never disclose this information over the phone, even if you think you are talking to an Arbuthnot Latham Employee or the police.
If you think you have been a victim of fraud, please call us immediately on +44 (0)20 7012 2500.
Frequently Asked Questions
The app is free to download and use. However, your network operator may charge you when using your device to access the app and charges may vary if you use the app abroad. Please check with them before you get started.
Please ensure you have “notifications” enabled on the app and your smartphone.
You will have up to 5 minutes to verify a transaction.
You should reject the payment verification request and call us immediately on +44 (0)20 7012 2900. For additional security, you can immediately put a block on your card using the app.
No, but we understand it may be a change to the way you are used to shopping online. It takes seconds to complete the verification and when it's done, you will be able to complete your transaction. It's a small step that will help combat fraud.
Touch ID and Face ID are trademarks of Apple Inc, registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks of Google LLC.