HOW DOES IT WORK?
When you shop online at a participating merchant, Coutts Online Verification will pop up in your internet browser and may prompt you to enter a unique passcode, which will be an automatically-generated sequence of characters that we will supply. In the majority of cases, a passcode will not be required - you will only be sent a passcode on occasions when an additional layer of security to protect you is needed.
The passcode will be sent directly to you via text or email to the mobile phone number/email address we have on file for you.
Simply enter the passcode to confirm your online payment.
How do I enrol for the service?
There is no need to register for this service or set up a password. However, you will need to have a valid mobile phone number/email address registered with Coutts to use this service.
When will I need to use a passcode to authenticate an online payment?
Passcodes are only required for merchant websites that support Verified by Visa or MasterCard SecureCode authentication protocols. For the majority of payments, a passcode will not be required and you will only be sent a passcode on occasions when an additional layer of security to protect you is required.
For further information, view our Terms of Use and FAQs below.
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Coutts Online Verification
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ONLINE VERIFICATION
FAQS
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Please select a question
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Do I need to register my cards for this service?
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Is a passcode required for all online payments?
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How can I update my mobile phone number or email address with the Bank?
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How will the service work for additional cardholders on my account?
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What should I do if I do not receive the passcode?
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What happens if I enter a wrong passcode too many times?
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What should I do if I cannot confirm the payment before the passcode expires?
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What happens if I have multiple mobile phone numbers registered with the Bank?
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Will I receive the passcode if I have an overseas mobile phone number on file?
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Can I receive a passcode when I am overseas?
No, only online stores participating in Verified by Visa or MasterCard SecureCode may require you to enter a passcode to complete an online payment. In the majority of cases, a passcode will not be required - you will only be sent a passcode on occasions when an additional layer of security to protect you is needed.
If the online payment is made with an additional card that has its own unique number, the passcode will be sent to the additional cardholder’s registered mobile phone number/email address. If the online payment is made with a card that shares the same card number as another cardholder on the account, the additional cardholder will be prompted to enter their name as it appears on their card, omitting any special characters. The passcode will then be sent to the additional cardholder’s registered mobile phone number/email address.
Already a client?
For more information about our
services, please speak to your
adviser or call +44(0) 20 7957 2424.
Become a client
Please get in touch online or call
020 7753 1365 to find out more
about our services.
Calls may be recorded.