Why do I need to enter a passcode every time I log in?

This is for extra security to ensure it is you that is logging into your account. It’s what we call 2-factor authentication, where you need to enter two pieces of information to prove it’s you - something you know (your password) and something you have (the one-time passcode we send to your phone). As our card is a regulated e-money product, we have to comply with various legislation including the 2nd Payment Services Directive (PSD2). It is this regulation that requires 2-factor authentication. We appreciate it can be frustrating but keeping your accounts and your money secure is of the upmost importance to us. We are continually working on ways we can make accessing your account faster and simper, whilst never compromising on security.