Transaction Authentication

Learn when and why you need to authenticate certain transactions, what types of verification methods are used, and how this protects your account.

  1. What is transaction authentication?
  2. When is the authentication required?
  3. What happens if I don't authenticate?
  4. Is authentication time-consuming?

What is Transaction Authentication?

Authentication is a security measure that verifies you're the legitimate account holder before processing certain transactions. It's like showing ID when making a large purchase - it protects both you and your bank from fraud.


When is the authentication required?

You'll typically need to authenticate for:

High-Value Transactions:

  • Large fund transfers
  • Significant online purchases
  • International payments

High-Risk Activities:

  • Unusual spending patterns
  • Transactions from new devices or locations
  • Changes to account settings

Routine transactions like small purchases or regular bill payments usually don't require extra verification.

What happens if I don't authenticate?

If you don't complete the authentication process:

  • Transaction gets declined
  • May be flagged as suspicious activity
  • Account might be temporarily restricted for security

This isn't a penalty - it's protection against unauthorized access to your money.


Is authentication time-consuming?

Authentication processes are designed to be quick and efficient. Most often, it only takes a few seconds to complete, and it adds an extra layer of security to your transactions.

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