Stay secure when you shop online

We’re changing the way in which we authenticate online Visa Debit Card transactions. Currently, you may be prompted to provide some additional information when you shop online to confirm it’s you. We will shortly be changing our processes so that you may be asked to provide a One Time Passcode (OTP), which will be sent to the mobile phone number we hold for you. We will inform you in the news section of our website before this change takes place.

What is a One Time Passcode (OTP)?

OTPs are unique codes that we send to your registered mobile phone to give an extra layer of security. Never share an OTP with another person, not even Cater Allen staff.

What this means for you

When shopping online, after you enter your card details in the retailer site, you may be asked to enter an OTP. The message will display the Cater Allen logo and confirm the mobile number we’ll use.

If this occurs we’ll send you a text message containing the OTP to your mobile phone. The OTP contained in the text can then be used to verify and complete your transaction.

  • The OTP code we send can only be used once per transaction and should never be shared with anybody, not even Cater Allen staff.
  • To use OTPs you must have registered your mobile phone number with us. Please ensure that the contact details we hold for you are up to date.
  • Always make sure that the details quoted within the OTP message correspond with your request. If you ever receive an OTP message which you’re not expecting, call us on 0800 092 3300 to report it. Lines are open 7.00am to 9.00pm Monday to Saturday and 8.00am to 9.00pm on a Sunday. Calls may be recorded or monitored.

It’s important to ensure we have your correct details

Remember, where we hold a mobile number for you and you have access to Internet Banking, you can check and update the details once you’ve logged in. Alternatively, you can call us on the number above. Please have your Personal Access Code (PAC) to hand when calling. If you don’t have a PAC or have lost or forgotten it, please contact us on the number above.

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Bank of England base rate change

02.08.18Category:News

On Thursday 2 August 2018 the Bank of England base rate increased from 0.50% to 0.75%.

Following this decision Cater Allen will be making changes to a range of current and savings account rates and to all base rate linked accounts on 31 August 2018. To view the changes to our rates, please the interest rates pages.

Changes to current accounts from 31 October 2018

31.07.18Category:News

To comply with the law and regulation for your personal current account, we will be introducing a set of Standardised Terms & a Fee Information Document. Read more.

Removal of counter services from 1 July 2018

01.07.18Category:News

We want to remind you that one of these changes is that our customers will not be able to use RBS branches for counter services after 30 June 2018. The removal of this service means you can no longer use RBS branches to pay cash or cheques into your account.

Ring-fencing

14.06.18Category:News

The Court has approved Santander’s plans to restructure the business to comply with ring-fencing legislation. Find out more.

A message about Dixons Carphone

13.06.18Category:News

You may have seen media coverage about Dixons Carphone.

We’d like to reassure our customers that we’ve increased our monitoring and placed alerts on accounts to increase protection against potential fraud.

At this time, our customers don’t need to take any further actions.