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Authenticating Online Payments

From November 2021, you may be asked to log in to Online Banking or the mobile app to authenticate a transaction when using your card online. You won’t have to do this every time you shop online.

If you have access to multiple digital channels, you will be able to choose your preferred channel. Once you have selected the digital channel you would like to use to authenticate your payment, you will need to log in to that channel.

How to authenticate a transaction using the Metro Bank App

How to authenticate a transaction using the Metro Bank App

The quickest and easiest way to authenticate a transaction is using our Mobile app. If you’ve allowed notifications, then you can easily login and tap ‘confirm’ to approve the transaction or ‘decline’ if you don’t recognise it. If you haven’t allowed notifications and would like to, log in to your Metro Bank app and tap the settings cog, go to ‘App settings’, go to ‘Notification centre’ then turn on push notifications.

If you’d rather not use notifications, you can approve transactions by logging into your app. Once logged in, the transaction should appear on screen. If it doesn’t, tap on ‘Transaction approvals’.

For a full list of what devices can be used, visit our mobile banking  page on our website.


How to authenticate a transaction using Online Banking

How to authenticate a transaction using Online Banking

For Online Banking, log in like you would normally and your transaction will appear on screen.  You can either approve or decline the transaction.

Once you click ‘approve’, you may need to enter an OTP which we will send to you by text message, so keep your mobile close. You will need to enter the 6 digit code on the screen.

If you don’t see the transaction, click ‘Transaction Approvals’ on the top left corner of the home page. If your transaction still does not appear, please return to the merchant page and attempt the transaction again. If the problem persists, contact us at 0345 08 08 500.

Some key tips

  • You will need to authenticate your transaction within 10 minutes or you will have to redo the transactions on the merchant website
  • If you have access to multiple Metro Bank digital channels, you can choose what works best for you
  • Be sure to return to the merchant website once you have approved your transaction to complete your purchase
  • If you are asked to approve a transaction that you are not making, this could be fraud – please decline the transaction and call us immediately on 0345 08 08 500.