Card reader

If you can't confirm your online card payments using the app or text message options, we’ve introduced a new card reader option.

A card reader is a small, hand-held device that generates one-time codes to confirm online card payments. To use it, you'll need to insert your debit or credit card into the device. We'll ask you to enter your card PIN followed by an authentication code, shown on your purchase screen.

The card reader will generate an 8-digit code for you to enter on the purchase screen to confirm the transaction.

In the meantime, if you're ever asked to confirm an online card payment, and you can't use either the app or text message methods, call us to discuss other options to complete your purchase.

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How do I ask for a card reader?

If you can't confirm your online card payments using the app or SMS options, select the ‘Chat’ icon on this page to ask for a card reader.

Please contact us on 03457 404 404 and we’ll be able to help. As the card reader is not linked to you, there's no risk of it being used fraudulently on your account.

You’ll get an error message and you'll be asked to re-enter your PIN. You have 3 attempts to input the PIN correctly before your card PIN is locked. You can unlock the card PIN at an ATM.

You’ll receive an error message on the seller's webpage and you'll be asked to try again. You’ll need to repeat the process and re-enter the code. You’ll have 3 attempts, after which the card PIN will be locked. You can unlock the card by contacting us on 03457 404 404.

Please contact us on 03457 404 404 and we’ll be able to help. We’ve developed our service to meet the needs of different customers.

Yes, the card reader is not linked to a particular account. If you're set up to use a card reader to verify your purchases, you’ll be able to use it with any credit or debit card issued by HSBC UK, including first direct and M&S Bank.

How do I ask for a card reader?

I haven't yet received my card reader. How can I complete my purchase?

I’ve lost my card reader. What should I do?

What happens if I enter an incorrect PIN into the card reader?

What happens if I enter an incorrect code from my card reader into the screen on the seller's webpage?

I have specific accessibility needs when shopping online and have difficulty using a card reader. Can you help?

Can I use my card reader for other accounts?

Customer support