PSD2 Directive

More peace of mind, more security

PSD2: The new EU payment directive ensures enhanced security when you carry out transactions with your accounts, make internet payments, shop online or use financial data aggregration services.

SCA (Strong Customer Authentication)

Two-factor authentication: the new verification system requires the combined use of two authentication mechanisms for online transactions with your account and cards as well as all internet payments.

How does two-factor authentication work?

Un nuevo proceso para una mayor seguridad

La nueva forma de autenticación hace necesario que, independientemente de si vas a realizar tu compra con tarjeta a través de ordenador o tablet, necesites tener tu móvil siempre a mano para finalizar el pago.

This is how it works:

  • The first thing to do is the same as usual: enter your card details on the store website.

  • From now on, you will need your mobile phone to complete payment because you'll receive an SMS with a link directing you to a secure Bankinter page.

  • On the Bankinter secure page, you must enter the unique password that you received simultaneously in the SMS and then enter your card PIN.

  • Done! You can go back to the store website to check the details of your purchase.

Take two minutes to understand what your purchases will be like from now on.

And if your phone has biometric recognition, it will be easier and just as safe.

If your phone has access by fingerprint, retina and iris or facial expression, the process is even easier and faster: when you make a purchase, you'll receive a notification and all you have to do to complete the transaction safely is unlock your phone and confirm the payment on the screen.

How to activate biometric recognition

Download the Bankinter app

If you have already downloaded it, update to the latest version. It's always important to use the latest version of the app, but now more than ever.

Activate notifications

Check that you've activated Bankinter notifications. If you haven't, activate them now.

This is how to register your phone

  • Open “Mobile payments” on the app
  • Select “Add this device”
  • Sign with the code we send you via SMS.