During activation we will ask for photos of your ID and a recording of your face to verify your identity - a digital version of an ‘in-person’ identity check that happens at a high street branch of a bank. This is used to create your unique digital key that sits within your Triodos Mobile Banking App and is linked to your activated device. This means that only you can log in to your accounts using a passcode or your biometrics.

Banking apps can be safer than online banking as they are not prone to fraudulent activity such as phishing. Unlike your browser, apps have security built in and don't store your personal data on your device.

Banking apps are secured with a numeric code and biometric data, which means a third party cannot use your banking app.

All banking transactions are done via the app. A banking app encrypts your data before it leaves your device. As a result, no one can intercept your data.

At Triodos, we take security very seriously - visit our Fraud Awareness pages for more information on how we protect our customers and things you can do to stay safe online.

As you'd expect from a bank, we take security very seriously - here are some things we do to keep you safe. To help you spot fraud, we’d also like you to know the things we’d never do.

What we do

• Provide around the clock debit card transaction monitoring.
• Provide 24/7 phone support to answer your questions about your debit card.
• Let you freeze and unfreeze your card whenever you need to.
• Temporarily block accounts and debit cards if fraudulent activity is suspected.
• Automatically log you out of Internet Banking and the app after a period of inactivity.
• Keep you up to date with fraud protection advice.
• Send text alerts when online or card transactions are made.
• Temporarily suspend your Internet Banking if left dormant for a long time.

What we’ll never do

We will never contact you out of the blue to ask you:

• For your mobile app passcode.
• For your digipass PIN.
• For your card number or PIN.
• To transfer money out of your account.
• To click a link in an email to our Internet Banking.
  

If in doubt, call us on the number on our website, or delete the email without opening it.

Learn more about how to stay safe online or visit the action fraud website.

Yes. The Triodos App with Mobile Secure Key is an easier and more secure way to log in and authorise payments - both within the app and in Internet Banking via your desktop or laptop. If you prefer, you can continue to use your current login and authentication method.

The Triodos Mobile Banking App and Mobile Secure Key are available to all personal customers. It’s not currently available for business accounts.

The Financial Services Compensation Scheme (FSCS) is a UK body which gives you automatic protection up to £85,000 if your bank, building society, or credit union goes out of business.

Your eligible deposits with Triodos Bank UK are protected up to a total of £85,000 by the FSCS. An eligible deposit is money in accounts such as current and savings accounts, including cash ISAs. With Triodos, this will also cover cash held in investment accounts but not the investments themselves.

Please note that the £85,000 will apply to the total of all eligible deposits with Triodos Bank rather than per account or product. Any deposits over this amount are unlikely to be covered.

For more information, please visit the Triodos FSCS webpage.

Cash cannot be paid in to the Triodos Current Account. You can make payments into your Triodos Current Account by bank transfer or online. If you wish to pay a cheque into your account, you can send them via our freepost service to our office in Bristol - Freepost TRIODOS BANK. This is an untracked 2nd class service, however, if you are sending in cheques or original documents, you may wish to use our registered address (this will require a stamp):

Triodos Bank
Deanery Road
Bristol
BS1 5AS 

Please include the sort code and account number of the account you wish the cheque to be credited to.

Your biometric personal data is required to help us establish and verify your identity and comply with legal requirements. It will be held by Triodos Bank and our digital identity supplier Fourthline to validate your identification in the future. Please see our Privacy Policy for information on how we hold and protect our customer data.

The Internet Banking log in screen has three different tabs for you to choose from.

• Log in with digipass.
• Log in with username and password.
• Log in with Mobile App.

Select the option that is right for you and follow the on-screen steps.

If you are a business customer and have requested a digipass that hasn’t arrived, or you have lost a digipass, please contact us.

A nominated account is an account in your name(s) with either another bank/building society, or an existing Triodos account that allows you to transfer funds.

You need a nominated account for when applying for one of our accounts online and your opening deposit must be made by electronic transfer from your nominated account. Also if you want to transfer money from your account online, you must do so to your nominated account.

Yes, you can. However, you'll need to set your devices up one at a time. Once you have successfully set up the Triodos App on one device, you'll receive a confirmation email. You can then set it up on another.

Here’s how:

1. Download the app (via Google Play or App Store) on your second device.
2. Tap 'Get started' and then 'Access my accounts'.
3. Choose 'Triodos Mobile Secure Key’.
4. Follow the instructions to set up your Mobile Secure Key on the new device. You will need to submit your selfie again so we can verify it is you on a new device.
   

Start by going to our website www.triodos.co.uk and in the top right-hand corner you'll see a link for "Log in" to Internet Banking.

If you have set up the Triodos App, you can log into Internet Banking using the app’s QR scanner on a second device. You can find more information on how this works here.

If you’re a Current Account customer and you do not use the Triodos App you will need your digipass and PIN, and details regarding the security word you set up when applying for the account.

If you’re a Personal Savings or Investments customer and do not use the Triodos App, you will need your username and password.

Yes, you can. You may find it helpful to rename your accounts to make identifying and distinguishing them a bit easier. To do this, go into ‘Account settings’, select the account you would like to change the name of, then click on ‘Account name’. Once here you can amend the account name.

Google Play services are required to activate the Mobile Secure Key on Android devices, so if your device uses MicroG libraries instead then unfortunately it will not be compatible. If you do not use MicroG and are experiencing this issue, then please call us on 0330 3550 355.

The Mobile Secure Key sits within the Triodos Mobile Banking App. It’s a digital key that’s unique to you, allowing you to use your smartphone to securely log in to the app and Internet Banking and authorise payments. If you still use a username and password or physical Triodos digipass, these will be automatically deactivated once your Mobile Secure Key is set up.

You can request a temporary increase to your account daily payment limit in either Internet Banking or the Triodos Mobile App. You can increase your limit up to £2 million for Savings Accounts, or £3 million for the Personal Current Account. You can set your higher daily payment limit for up to seven days.

Personal Current Account Payments

When paying another account with another bank, for payments over £20,000 you will need to request a temporary payment limit increase.  Once you’ve made the request for the temporary limit increase it can take a minimum of four hours for it to take effect. CHAPS payments must be made before 2pm if they need to be received by the end of that working day. Foreign payments must be made before 1pm if they need to be sent that day, but please be aware they can take up to 10 working days to arrive. We therefore recommend you make the temporary daily limit change the day before to ensure you can make the CHAPS or foreign payment on time. You can set the maximum temporary limit increase of £3 million for up to seven days.

For payments over £250,000 : If you do not have a digipass, once you have authorised the payment in Mobile App or Internet Banking you will have to call our contact team to go through extra security checks.

As with all payments, please check the bank details you are paying to are genuine and correct before making the payment.

Savings Account Payments

If you want to make a payment for more than £20,000 you will need to request a temporary limit increase and wait a minimum of four hours before you can make the payment. You can set the temporary limit increase for up to seven days and the maximum you can pay is up to £2 million per day. Payments over £100,000 in one day will have to be made as a CHAPS payment with a fee of £20.

If you are paying more than £20,000 in one go from your Savings Account to your Personal Current Account, to then make a CHAPS payment of over £20,000 to another bank account, you will need to increase the payment limit on both of your accounts.

How to make the temporary payment limit increase

You will be able to make the temporary limit increase in the Triodos Mobile Banking App or via Internet Banking.

In the Mobile App go to ‘More’ then ‘Account Settings’ and select the account you wish to apply the temporary change to. From there, choose ‘Daily limit per transaction’ and fill in the temporary change with the amount and for how long you’d like this temporary change to be available.

In Internet Banking go to ‘Self Service’, ‘Account Settings’, ‘Daily Limit’, here you can request the temporary payment limit change.

Once you’ve submitted the request you’ll need to wait four hours before it goes live, we’ll send you an email confirmation once it has.

The sort code for Triodos Bank is:   16-58-10

For foreign payments to a Triodos account the above sort code is not valid. Also mandatory information is needed to ensure a foreign payment reaches your account.

If you wish to change the details of your nominated account, you must send us a signed, written instruction by post to:

Freepost TRIODOS BANK

Our freepost address is Royal Mail registered and simple to use - write it on your envelope exactly as shown above (no stamp required) and your letter will get to us free of charge by second class mail.

For first class mail, you can post in the normal way to:

Triodos Bank
Deanery Road
Bristol
BS1 5AS

You are not able to amend your nominated account using Internet Banking. The instruction must include the details of the new nominated account (including the account name, six digit sort code and eight digit account number) and must be signed in accordance with the signature form previously returned to us. For joint accounts, the instruction must be signed by both account holders.

The new nominated account must be a personal sterling account held in your name(s) with another UK bank/building society or an existing Triodos UK account that allows you to transfer in funds.

We will not be able to process any written instructions unless we hold your signature on our records.

If you have not returned the signature reply form enclosed with your welcome letter sent to you when you first opened the account, please do so with your request to amend your nominated account. We may send further documents for you to sign to your registered address with us or request documents from you as an additional security measure before we will process your request.

If you cannot locate the signature reply form and you are still living at the address we have on our records then please send us a Secure Message from within internet banking to request a signature reply form. We will send this to your registered address for you to return to us together with your written request to amend your nominated account. We may send further documents for you to sign to your registered address with us or request documents from you as an additional security measure before we will process your request.

If we do not hold a signature for you on our records and you have moved from the address we hold for you on our records you will need to write to us with your new address and nominated account details enclosing one document from list A and one document from list B.

A - Identity Verification:

• Valid Passport
• Valid full or provisional UK / EU Drivers licence photo card or full old-style driving licence
• Valid identity card (EEA Member state or equivalent)
• HM Revenue & Customs HMRC Tax notification only (statement of account or notice of coding relating to the current year)
  

B -  Address Verification:

• Original bank or building society statement showing recent transactions dated within the last 3 months  
• Valid full or provisional UK / EU Drivers licence photo card or full old-style driving licence
• Current Council tax bill dated within the last 12 months
• Utility Bill dated within the last 3 months (mobile phone or broadband statements not acceptable)
• Mortgage statement within the last 12 months
      HM Revenue & Customs correspondence relating to current tax year or dated within the last 3 months (whichever is earlier), must contain National Insurance Number

To see what consents are active on your account, log into Internet Banking and go to ‘Account Profile’ and then ‘Open Banking Consents’. If you use our mobile app you can find this under ‘More’, ‘Preferences and privacy’.