Starling Bank Introduces 3D Secure Feature

Just days after announcing plans to create 150 jobs in its new Southampton office, UK-based digital banking platform Starling Bank announced its new 3D Secure feature. According to the banking group, 3D Secure is a tool for online transactions that require the account holder to complete an authentication process for some purchases. The feature also forms part of the security of your account.

“Some banks use passwords. But we’ve all been in that position when trying to make a purchase late on a Sunday evening. Can you remember the first, fourth and ninth character of the password you set 5 years ago? Probably not. At Starling, we’ve decided to use ‘one-time passwords’ sent via SMS as the type of authentication for online purchases. This means that a text will be sent to your phone when you are required to authenticate for a specific online purchase. One code will be sent for each purchase meaning that static password can be left behind.”

Starling Bank also noted that implementing 3D Secure adds to the many ways we ensure your money is protected, helping you to make online payments safely. It was then revealed:

“For certain transactions, we want to make sure that the person making the purchase is the account holder. One way to do this is to make the account holder provide information that only they would know, for example, codes sent to the phone number linked to your Starling bank account. A few websites require banks to support 3D Secure, and rightly so. This is all about making payments more secure for customers. That’s why we’re working hard to roll out this security feature out to all our customers.”

Starling Bank went on to add that for those who are paying on a website that uses 3D Secure, they will see the 3D Secure screen showing that the transaction is being processed. For some transactions, they will then see a screen where you will be required to enter a ‘one-time password’ to complete the transaction.

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