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Confirming online card purchases

New measures to help keep you safe from fraud

When you use your credit or debit card online, we may ask you to confirm the payment by entering a one-time SMS passcode. This makes it harder for fraudsters to make payments without your knowledge. We're updating this process in line with Payment Services Regulations.

What's changing?

You may be asked to confirm online card payments more often. There will also be some additional ways to do this.

Some of the options that will be available for you to confirm your payments include:

  • HSBC CI & IoM Mobile Banking app: Simply log on to our secure app using your Digital Secure Key and confirm your payment in just a few taps. If you don't already have it, you can discover our app
  • SMS: we'll send a code to your mobile phone for you to enter to verify and continue with your payment. Please ensure we have your correct mobile number - you can log on and update it via online banking. We'll also be introducing additional changes to supplement the use of one time passcodes

For customers unable to verify using these methods, we'll be introducing an alternative solution.

Make sure you're ready by following these steps

1. Download and start using the app

2. Make sure we have your correct mobile number

Frequently Asked Questions

We're here to help you. Find the answers and while you're at it, tell us how we could do better.