Online Services

We take online security very seriously and use two-factor authentication to provide an extra layer of security, which means we rely on more than passwords and memorable information for some activities. Your extra layer of security can be either your Secure Passcode within our app or your One-Time Code.

You don’t need to use this when logging into Skipton Online or our app, or making a payment into your account(s). You only need to use it for certain activities including:

• Withdrawing money
• Transferring money
• Changing your personal details
• Setting up a new nominated account to withdraw to

When you sign up for our online services, you'll be asked to choose between a Secure Passcode (for our app users only) or a One-Time Code as your extra layer of security.

An extra layer of security is something you'll need to use when you carry out certain activities online e.g. making a withdrawal or changing your address.

You'll have three attempts to enter both the One-Time Code and the Secure Passcode before you're locked out of Skipton Online

One-Time Code

A One-Time Code is a code which we send to you via text message, to your nominated phone number (this can be a landline number). It will expire after 3 minutes. If you put in the wrong five-digit code in, or if it has expired, you can request another.

Secure Passcode

The Secure Passcode is a six-digit code generated within the app, which lasts for 30 seconds. If you put in the wrong six-digit Secure Passcode, you can generate another.

There are a couple of ways you might have locked your account.

If you’ve entered your login details incorrectly in Skipton Online:

You will then get the option to unlock your account using your Secure Passcode in our app, or the One-Time Code feature.

If neither of these security methods are available to you, you’ll need to call 0345 266 0978, or web chat with our team so we can unlock your account.

If you’ve entered your six-digit PIN incorrectly in our app:

You can unlock within the app using your login details for Skipton Online.

If you are locked out of the app and Skipton Online at the same time:

You will need to call us on 0345 266 0978, or you can speak to us on web chat so we can help you get back online.

Our app contains our main form of two factor authentication, Secure Passcode, which is designed to keep your accounts safe.

Whilst we do encourage as many customers as possible to install this, we do understand not everyone has the means or desire to use our app.

As such, we have an alternative called One-Time Code which sends a text message or an automated telephone call to verify any withdrawals or changes to your account.

To find out more about how this works, visit our One-Time Code page.