Strong Customer Authentication (SCA) is one of the key requirements of PSD2, a new European regulation which comes into force in September 2019.
SCA focuses on improving online security and reducing consumer fraud. Under the new regulations, you will have greater protection when you make electronic payments or transactions, such as shopping or banking online.
SCA requires customers to prove their identity using two of the following three elements (also known as two-factor authentication):
If you’re an Internet Banking customer, there will be an additional security check using SecureCall when you log on or make changes to your account.
If you use our Mobile Banking App, you will be required to enter your Passcode to add a payee, make a payment or make changes to your account.
Following a sharp rise in online consumer fraud in recent years, the European Commission intervened by placing SCA requirements on member countries as one of the core components of PSD2.
SCA generally applies to customer-initiated electronic payments, such as card payments and bank transfers.
However, not all transactions will require additional authentication. There are a number of exemptions, listed below:
Updates to our Internet Banking and Mobile Banking App services will be rolled out in June. Further details will be communicated to customers nearer the time.
The final deadline for all businesses to comply with PSD2’s Regulatory Technical Standard (RTS) is 14th September 2019.
SecureCall is a fraud prevention feature of Internet Banking which is designed to help protect you and your money from online fraud.
You may already be familiar with SecureCall as we use it to verify payments to new payees. From June, it will also be required when you log on or make changes to your account.
You can read more about SecureCall on our Help & Support pages.
You can update your landline number on Internet Banking or over the phone if you have your registered mobile to hand. To update your mobile number, you can visit a local branch, send us a signed request to Investment Services, Cumberland Building Society, Cumberland House, Cooper Way, Parkhouse, Carlisle, CA3 0JF or by email to email@example.com.