Online card security

Mastercard Identity Check™ helps confirm that your purchases are really yours. If something looks unusual, you may be asked to confirm your identity using:
- One-time passcode
- Security questions 
- Your 4-digit Avant Money App login passcode and/or your biometrics (Fingerprint or Face ID).  

SCA makes electronic payments and access to your online account more secure by using two-step checks. This means you may be asked to confirm your identity in different ways. If you have downloaded the Avant Money mobile app and registered your mobile phone, you’ll approve with your Biometrics (Fingerprint or Face ID), or your 4-digit Passcode. If you don’t have the App, you can continue to use a one-time passcode (OTP) by SMS and knowledge-based questions.

Download the Avant Money Mobile App and we will guide you through the simple steps to register your mobile. You can register your mobile by entering your username and password. We will send you a one-time passcode to confirm your mobile, and you can set up a unique login passcode and register to use your biometrics to log in. Your passcode and biometric can then be used to log in to your account and approve online payments when required. If you don’t have the App, you can continue to use a one-time passcode (OTP) by SMS and knowledge-based questions.

A one-time passcode is a random number that Avant Money sends to you by SMS text message to your mobile device. It helps make your online banking and transactions more secure.

You may be asked to enter a one-time passcode when you access your My Avant Money account or make online transactions. If you have not logged in within the past 90 days, you will be asked for a one-time passcode. You may also be asked for one when you update contact details, such as your home address or email address.

ImportantAvant Money will never ask you to complete Strong Customer Authentication by clicking a link in an EMAIL or a TEXT message. Never share a one-time passcode with anyone. If you have shared your one-time passcode, contact us immediately.

One-time passcodes are sent by SMS, so make sure your mobile number is up to date for all credit card accounts you have with us.

When you make a transaction that needs a one-time passcode, you will usually receive it in seconds. Sometimes it may take longer, depending on your mobile phone provider’s network coverage. Check your signal and that you can receive text messages.

The one-time passcode must be used within 10 minutes of requesting it.

You can resend the one-time passcode. Before you resend it, check that the last 4 digits of your mobile number shown in the notification are correct. If they are wrong, call our Customer Services team to update them. If the number is correct but you still don’t receive the passcode, contact your mobile network operator to check that your phone can receive automated SMS messages. You can resend up to 5 times. After that, the resend link is disabled. If this happens, contact us on on 0818 409 511 to have it reactivated.

Please contact our Customer Services team on 0818 409 511. They are available from 8am to 8pm Monday to Friday, and 8am to 2pm on Saturdays, excluding Bank Holidays.

No. Under PSD2, Strong Customer Authentication is a regulatory requirement. All banks and financial institutions must follow it.

When you pay a merchant online, you may be given the option to add the merchant to your “trusted list”. If you choose to trust the merchant, later transactions will not require 3DS (two factor authentication), except when the transaction needs to be checked for security purposes.

You can do this by calling our Customer Service team. You can find our contact details on our Contact Us page.

Removing a merchant will mean that future transactions will fall back under normal two factor authentication behaviour.

Has your card number changed? If so, you will need to set up a new trusted list. Our security department may also request 3DS (two factor authentication) for additional security, from time to time.

Download the Avant Money Mobile App and we will guide you through the simple steps to register your mobile.

You can register your mobile by entering your username and password.

We will send you a one-time passcode to confirm your mobile, and you can set up a unique login passcode and register to use your biometrics to log in. Your passcode and biometrics can then be used to log in to your account and approve online payments when required.

If you don’t have the App, you can continue to use a one-time passcode (OTP) by SMS and knowledge-based questions.

To verify an online payment, tap the Push notification you receive from us and follow the steps in the Avant Money Mobile App. If you don’t have push notifications enabled on your device, open the Avant Money App and follow the steps to approve your payment. Online payments that need your approval can be verified by using your biometric or by entering the 4-digit Passcode you created when you registered your mobile phone in the Avant Money App.

A push notification is a message sent directly to your mobile phone. Make sure you allow notifications during registration and that your phone number is correct.

In the Avant Money App: 

• Go to the More tab.
• Under General, check that Push Notifications is switched on.

 
If Push Notifications are turned off on your phone, go to your phone settings, find the Avant Money App, and turn notifications on.

Apple mobile users:
Go to Settings, select Notifications > Avant Money, and turn Allow Notifications on/off.
 
Android mobile users:
Go to Settings, select Notifications > Avant Money, and turn Notifications on/off.

To use the Avant Money mobile App, you need to create a unique 4-digit login passcode when you register your mobile. You can use this 4-digit passcode to log in to your account and approve online purchases when 3D Secure is required.

No, you must create a passcode during registration. If you’re making an online purchase using your credit card that needs approval, your passcode can be used to approve the payment. Choose a passcode that is easy to remember but hard to guess. Don’t use an obvious passcode like your date of birth, or part of your phone number or address.

You can reset your passcode by tapping Forgot Passcode on the Passcode login screen.

Yes, you can change your passcode by logging into the Avant Money mobile app. Go to the More tab bar menu, and simply select Change Passcode under the Security menu.  

No, you can only register the Avant Money App on one phone. If you register another phone it will replace the original phone you first registered the Avant Money App on. 

If you get a new phone, download the Avant Money App and log in with your username and password to register the new phone.
 
Check that your account has the correct mobile number. You can do this by logging in to your Avant Money online banking and checking your mobile number in the Settings menu.