TESCO - Authenticating your Bank Card

When making a top up for the 1^st time with your debit or credit card, you'll be asked to authenticate your card.  This allows us to confirm your details are correct, and verifies without any fee, so authentication is £0!

This step is part of a regulation in the UK to help fight fraud and increase the security of your online payments.  It's important that you do NOT press back as this will create an error.  You must follow the on-screen instructions.

Depending on your bank, this might be done a number of ways.  Most providers will ask you to verify via your banking app, this can be either approving in app or by adding in a one-time code.

If you are unsure how to do his, we’ve put together a few links below on what to expect with different banks:

• Lloyds: https://www.lloydsbank.com/online-banking/payments-and-transfers/security-checks.html
• Santander: https://www.santander.co.uk/personal/support/industry-updates/strong-customer-authentication
• Barclays: https://privatebank.barclays.com/support-and-information/online-payments/
• Virgin: https://gethelp.virginmoney.com/helptopic/subtopic/pagecontent/article/KA-01502/?How-do-I-approve-a-transaction-in-the-Virgin-Money-app?#:~:text=When%20you%20login%20to%20the,re%20happy%2C%20simply%20select%20Approve.
• NatWest: https://supportcentre.natwest.com/Searchable/1706857502/How-do-I-authenticate-a-transaction-on-EBANKING.htm
• HSBC: https://www.hsbc.co.uk/help/card-support/confirming-online-card-purchases/
• Monzo: https://monzo.com/help/payments-troubleshooting/3ds-fail-online-payment/

As an alternative, you can always make payments via Apple or Google pay.

Our FAQs cover everything you need to know about our app, so please take some time to familiarize yourself if you ever need any help.  

Alternatively you can email our Customer Service team via your app, or directly at tescointernationalcalling@wavecrest.com or call 0330 001 0257.