We’re making some changes to how you log on to Online Business Banking as a result of new regulation which affects the whole banking sector.
These changes are called Strong Customer Authentication, and they support how we check it’s you when you use Online Business Banking.

What’s changing?
You already enter your security details to gain access to Online Business Banking. 

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The new regulation asks us to add an additional check to confirm it’s you. You can do this one of the following two ways:

1. By having our mobile business banking app. 
When you log on to Online Business Banking you’ll be referred to the mobile app, which will simply ask you to use your security details as the additional check that it’s you. You can then continue to use Online Business Banking as you normally do.  

2. By using One Time Passcode (OTP). 
If you don’t have our mobile business banking app, we’ll send an OTP to your mobile phone as the additional check that it’s you. 

Whichever way you choose, we’re only using the mobile business banking app or the OTP to help confirm it’s you. You can continue to use your personal Online Business Banking as normal once the check has been completed.

Changes to how you authorise online card purchases

When you shop online, you may sometimes be asked to take an extra step to verify that it's you making your purchase using the mobile app or via an OTP.

Why not try our mobile business banking app?

If you haven’t already, download our mobile business banking app and follow the instructions to get started.

  • If you have an Apple device go to the App Store and search ‘Business Banking’.
  • If you have an Android device go to Google Play and search ‘Business Banking’.
  • Or click the links below.

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Once you have the app, you may find that Mobile Business Banking is another convenient way for you to bank. Lots of our customers use both Online and Mobile Business Banking. 

What you should do if you can’t download the app?

To download our app, you’ll need to make sure you have the latest operating system running on your device.  

Don’t worry if you can’t download the mobile business banking app – you can still continue to use Online Business Banking as normal, we’ll send you a OTP as the additional check to confirm its you. Please make sure we have the correct mobile number for you for the OTP. 

Here to help

We’re committed to helping you understand the importance of these changes and how they impact you. Here are some of the questions customers are asking us about the new banking regulation. 

Why do we need a second way to authenticate? 
The new regulation asks Santander to complete an additional check to confirm it’s you when you log on to Online Business Banking or perform certain transactions.
 
Do I need to have the mobile business banking app to continue banking online? 
No, you’ll still have the option to use One Time Passcode (OTP).
 
I don’t want to download the mobile business banking app, will I need to move my account to another company?
No, you will be able to use OTP as a way to confirm it’s you. 
 
Will I be able to continue using Online Business Banking without a mobile? 
We require you to have a mobile phone because for some transactions we need to text you a One Time Passcode for authorisation. This is highlighted in our terms and conditions.
 
Will I still need to enter a password or check my Image & Phrase? 
No, we’re removing these steps with the introduction of the mobile business banking app or OTP check. You’ll still need to use your password for certain transactions if you call us.

What happens if I’m also a Personal Banking customer?
The changes will be affecting both personal and business customers.  You’ll need to use the personal mobile app for personal Online Banking and the business mobile app for Online Business Banking.   
 
If you need to get in touch with us

Log on to Online Business Banking and send us a secure message.

Or call us on 0800 169 6677.

Here to help

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