What is Strong Customer Authentication (SCA)?

Strong Customer Authentication (also known as SCA) is the process we will use to establish that it is really you when you try to access your savings account with us.

You'll also hear it called 'Two Factor Authentication' (or 2FA).


To keep your account safe, we combine something you know, with something you have. It's simple, and you've probably already used it for other services.

When you log in to your eSavings platform you'll be asked to enter your customer number and password (something you know).

Then, we'll send a text message to the mobile number we hold for you (something you have).

This will have a 'One Time Passcode' (or OTP). When you get the message through, simply enter the code, and we'll let you into your account.

If you don't have a mobile phone or don't use one, you can choose to be called on your registered landline number and the OTP will be provided to you via our automated voice service.

Please note, if you’re a not yet a customer, you will need to have a mobile phone in order to open an account.

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