There's a range of things that banks do to make sure your money is safe. Understanding what checks are in place can help give you peace of mind.
Here are a few features that make digital banking with us secure.
Your Mobile Banking PIN or physical Secure Key gives you extra protection against fraud.
It generates a temporary security code to make sure only you can access your accounts on the HSBC UK Mobile Banking app and online.
For mobile banking, you can also use fingerprint or face recognition to log on quickly and securely, depending on what device you have.
If you’re worried you’ve lost your card or something suspicious is happening with it, you can put a temporary freeze on it. You can do this at any time on our mobile app or through online banking. Then if the card turns up, you can unfreeze the card instantly.
You can also report your card as lost or stolen. This quickly allows you to stop your card from being used and order a replacement straight away.
We use a name checking service called Confirmation of Payee (CoP). It aims to protect you against authorised push payment scams and reduce the number of payments that are made by mistake.
It lets you check you’re paying the right person or business when you:
That way, you can see if the name matches who they say they are.
On rare occasions, there may be payments from your current or savings accounts that you didn’t authorise. We’ll refund the amount of the unauthorised transaction and any resulting charges and interest, as long as you’ve kept your security details safe.
Never share your digital or mobile banking logins with anyone, even if they claim to be from the police or your bank.
