Intelligent Finance Secure

We want you to feel safe and secure when you are shopping online.

Intelligent Finance Secure is a free service that gives you extra protection when shopping online.

It offers secure Internet shopping when using your Intelligent Finance credit or debit card to pay for goods and services at participating retailers' sites.

The service will assess each transaction and your card details are either automatically verified or, in some cases, you will be required to provide information for further verification.

This means that you can safely shop online, with fewer interruptions, knowing that Intelligent Finance Secure is helping protect you from fraud.

For further information please read the Intelligent Finance Secure frequently asked questions and terms of use.

Visa secure

You're in safer hands when you shop online with Intelligent Finance Secure.

We want you to feel absolutely confident that you can shop online safely and securely. Customers registered for our online banking service already benefit from our online guarantee, and now Intelligent Finance Secure will help protect you too.

Be aware that fraudulent emails, alleging to be from various UK banks, have been sent out encouraging people to visit a website where personal card or internet security details are then requested. This is known as "phishing".

Intelligent Finance will never send emails which ask for confidential information or your security details. If you think you have received such an email, please delete it immediately without responding or visiting any website details. If you are concerned that you may have divulged any details, please call us on 0345 609 4343.

    • 1.
      What is the Intelligent Finance Secure service?

      Intelligent Finance Secure is a free service offered by Intelligent Finance in partnership with Visa International Services Association and Mastercard® International. This service offers more secure Internet shopping, using your preferred form of Internet payment - your Intelligent Finance credit or debit card. The service will assess each transaction and your card details are either automatically verified or, in some cases, you will be required to provide information for further verification. The Intelligent Finance Secure service only applies to online purchases at participating retailers.


      You will sometimes see the Intelligent Finance Secure service being called Visa Secure or Mastercard Identity Check either online or in other communications, however these names all apply to the same service which protects your cards online.

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    • 2.
      Which cards will be covered?

      Your Intelligent Finance personal debit cards and credit cards are eligible for the Intelligent Finance Secure service.

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    • 3.
      How does Intelligent Finance Secure work?

      When you make a purchase online, Intelligent Finance Secure issues a receipt to the retailer at the end of the checkout process. The receipt includes details of your current purchase, such as the retailer's site name, purchase amount, and the date of the purchase. You will get a page with a 'Processing...' message after you have entered your payment details or, in some cases, you may be required to give further information to verify your card details.

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    • 4.
      How does Intelligent Finance Secure protect me?

      With Intelligent Finance Secure, your transaction is more secure as we use a security system that runs behind the scenes while you shop online, helping to prevent unauthorised use of your Intelligent Finance cards.

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    • 5.
      Will I need to apply for a new card to use Intelligent Finance Secure?

      No. Intelligent Finance Secure is designed to help protect existing cards that you already have with Intelligent Finance.

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    • 6.
      How many online retailers participate in Intelligent Finance Secure service?

      Many online retailers are already participating in the Intelligent Finance Secure service. As the service grows, more will be added.

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    • 7.
      How much does Intelligent Finance Secure cost?

      Intelligent Finance Secure is a free service available to all Intelligent Finance customers.

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    • 8.
      Can I use Intelligent Finance Secure from any computer?

      Yes. One of the great advantages of Intelligent Finance Secure is that you can use it from any computer connected to the Internet with a compatible browser.

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    • 9.
      Can I view the conditions for the Intelligent Finance Secure service?

      To view the Intelligent Finance Secure conditions, please go to the terms of use tab on this page.

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    • 10.
      Where can I get help and information on Intelligent Finance Secure?

      For more help and information, please call us on 0345 609 4343.

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    • 11.
      What if I have software that blocks pop-up boxes?

      Some software may not allow pop-ups. If you have this software installed you must disable it or change the settings to allow pop-ups for Intelligent Finance Secure to operate correctly.

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    • 12.
      I'm purchasing online but the Intelligent Finance Secure box doesn't appear?

      It may be that the retailer does not use Intelligent Finance Secure yet but you will still be able to purchase at these retailer's site.


      Simply follow the retailer's normal checkout process.

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    • 13.
      What accessibility features are provided on this site?

      The following accessibility features are provided:

      • Support for windows reader
      • Support for resizing the text
      • Support for No Java Script.
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    • 14.
      How can I resize the text?

      In the browser go to View > Text Size and choose 'Largest'.

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    • 15.
      Where can I find more information on accessibility?

      Accessibility reference can be found in:

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  • Intelligent Finance Secure provides you with extra security for your online transactions. It is not designed to verify the quality or fitness for purpose of websites or the goods or services ordered. As always, customers need to satisfy themselves that they are dealing with reputable retailers.

    Please read these conditions carefully before deciding whether to accept them. These should be read in conjunction with any other terms and conditions specific to your Account.

    Intelligent Finance Secure terms of use:

    1. Definitions

    Account means any account or jar you hold on which an Intelligent Finance credit or debit card has been issued.

    Identity Details means the personal information which we use to verify that you are the holder of an Intelligent Finance Account.

    Security Codes means card information, memorable information or other information we use to check your identity.

    We, us and our mean Bank of Scotland plc. Intelligent Finance is a division of Bank of Scotland plc.

    You, your and yours means the person who has entered into this agreement with us.

    2. Using Intelligent Finance Secure

    When you use Intelligent Finance Secure, both these conditions and your Account conditions will apply. If they contradict each other, the relevant condition in your Account conditions will apply.

    All Intelligent Finance Card accounts participate in this service. It is not a requirement to register for the service prior to using your card online. The service will assess each transaction and will only be invoked in situations where authentication is required due to the assessed risk of the transaction.

    When making a purchase online and authentication is required, you will see a pop up in a new window. You will then be asked to complete some security questions to authenticate your identity. When you have successfully completed the security questions your purchase will be processed.

    In a small percentage of high risk transactions the authentication process may not be invoked and the authentication request may be denied. Should this occur contact numbers to our Fraud Contact Centre will be provided to allow genuine transactions to proceed.

    Some software may not allow pop-ups. If you have this software installed you must disable it or change the settings to allow pop-ups for Intelligent Finance.

    3. Security

    a) We will collect certain personal information from you for verification and security purposes (including your Identity Details), which we will pass on to EMC Computer Systems (UK) Ltd or EMC Information Systems International for Ireland who is carrying out this service on our behalf.

    b) Your personal information will not be shared with any online retailer when carrying out an online transaction and will only be used in the ways described in our Privacy Policy.

    c) You are responsible for keeping your Security Codes secret. You must not write down, store (whether encrypted or otherwise) on your computer, mobile phone handset or on paper or let anyone else know or use your Security Codes.

    d) If you think that someone else knows your Security Codes or has used them to use Intelligent Finance Secure you must notify us immediately by calling the helpdesk telephone number on the back of the card you use with your Account. You should check statements we send you and let us know urgently about any errors.

    e) We may give the police or any prosecuting authority any information they need if we think it will help them find out if someone else is using your Security Codes.

    f) We may keep any e-mails sent to or from us. We do this to check what was written and also to help train our staff.

    For further details about how we use your personal information please see your Intelligent Finance terms and conditions specific to your Account.

    4. Notices

    We may change these conditions for any reason by sending written notice to any address you provide us (including your e-mail address) or by publishing the change on our web site. If you change your address (including your e-mail address) you must notify us immediately to ensure that our records are up to date.

    Intelligent Finance Secure may be amended or terminated, either temporarily or permanently, without notice where the amendment or termination has been required by Visa International Services Association or Mastercard® International which runs the payment systems for the cards used with your Account.

    5. Your liability

    Unless you are a victim of fraud, you are responsible for all instructions sent using your Security Codes and we are entitled to assume we are dealing with you and will:

    • act on (and you will be bound by) all instructions;
    • allow access to confidential information we hold about you and your accounts, without getting further confirmation from you.

    By using this service you will not acquire any ownership rights, title or interest in or to the software made available to you.

    You must not:

    • do anything which may damage, interfere with or disrupt the software or the way it is provided; or
    • display, alter or use any trademarks without the owner's prior written permission.

    6. Ending your use of service

    We may end the service immediately if you close your Account/s or you no longer have any cards registered for the service or, by telling you personally and giving you 30 days notice.

    We may also suspend or end the service immediately or decline to follow an instruction if we think;

    • there is a breach of security or we are uncertain whether an instruction is valid (but, please note, we are not bound to check whether an instruction is valid);
    • you have broken an agreement you have with us;
    • you are not eligible for an Account or service;
    • we reasonably think you or someone else is using or has obtained, or may use or obtain, the service illegally, fraudulently or improperly.
    • there is a legal requirement or a court or other authority tells us to act in that way.

    If we do take action, we will act in a manner we reasonably think is proportionate in the circumstances and will tell you before doing so, if we can reasonably do so.

    7. General information

    You can usually use the service at any time but repairs, updates and routine maintenance to our systems and those of our suppliers mean the service may be slow or unavailable from time to time. We will not be liable if the service is unavailable at any time for these reasons.

    This service and these conditions are governed by English law. Any disputes arising from this site shall be resolved by the English courts, unless you can show you accessed the site from Scotland in which case the Scottish courts may be used.

    Please remember that email is not a completely secure means of communication: it may be possible for others to intercept and read your messages. So if you choose to send us information by email, it is at your own risk.

    If you have a question about the Service, please call the number on the back of your card. Calls may be recorded and monitored.

    Bank of Scotland plc. Registered in Scotland No. SC327000. Registered address: The Mound, Edinburgh EH1 1YZ authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

    We strongly recommend that you print a copy of these conditions for you to keep.

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