Put Your Mind at Ease with 3D Secure & Strong Customer Authentication

3D Secure (3DS) helps increase the overall security level of your online payments. This process has been further enhanced with the introduction of the Strong Customer Authentication (SCA).

Strong Customer Authentication

Strong Customer Authentication is a new regulatory requirement designed to make your online purchases safer and even more secure.

What makes Strong Customer Authentication different from 3D Secure

SCA is an additional step that has been added on top of 3D Secure to the process of purchasing goods or services online. You will now be asked to insert a personal password, followed by a one-time password (received via SMS). This personal password is set by yourself using myAPS internet and mobile banking.

How to set your personal password

If you already use myAPS internet and mobile banking
Guide to set password using myAPS app
Guide to set password using myAPS desktop
If you’ve already set the password up once and need to reset it

If you’ve already set your password up but need to reset it for any reason, visit myAPS desktop or mobile, select the ‘Card Password’ section and submit the new password you prefer, in the exact same way you set it up the first time.

Please note our Contact Centre cannot change your password for you, nor can they ask you for this password. This is personal and should never be shared.

If you don’t use myAPS internet and mobile banking yet

In this case, kindly sign up for this service. This can be done by following the instructions here or by reaching out to our Contact Centre on (+356) 2122 6644 (Mon to Sun, 8am to 9pm).

The Bank’s team will never ask for your password over email or provide a website link to set or change this password. This can only be done by logging in to myAPS as per the usual process.

Information on Terms & Conditions

Please take time to download the updated Terms and Conditions (Section 1.22 has been updated) by clicking on the button below. Please read and keep a copy of these Terms and Conditions for future reference.

Download T&Cs

Strong Customer Authentication (SCA) is a European regulatory requirement, part of the revised Payment Services Directive (PSD2). The aim of SCA is to continue minimising the risk of fraudulent transactions and make your online shopping payments safer.

FREQUENTLY ASKED QUESTIONS

3D Secure

You can set your card password using myAPS internet and mobile banking. Click here for a simple guide on how to set your password using the app or here to view the guide to set your password via desktop.
A new process has been set to make your online purchases safer and more secure. This is part of a regulatory requirement known as Strong Customer Authentication (SCA). With SCA, an additional step has been added to the process of purchasing goods or services online. You will now be asked to insert a personal password, followed with the one-time code (received via SMS). This password is set by yourself using myAPS internet and mobile banking. Click here for a simple guide on how to set your password using the app or here to view the guide to set your password via desktop.
The card password can only be set via myAPS internet and mobile banking. If you have not yet signed up for this service, click here for guidance.
The card password is to be used only when effecting online payments using your APS cards.  This will not impact other card payment methods.
Go on myAPS and set a new password in the same way you set it up the first time round. Need help? Click here for a simple guide on how to set your password using the app or here to view the guide to set your password via desktop.
You must first input your card password, followed by the secure code (received via SMS) in the next authentication screen.
Your card password must meet a number of requirements to be confirmed. The password must:
  • Be 8-15 characters long
  • Include a mix of upper and lower case letters
  • Include at least 1 number
  • Not include special characters or symbols
You need to set up your card password using myAPS internet and mobile banking. Click here to view the step-by-step guide on how to set your password via the myAPS app. Click here if you would like to set your password using myAPS desktop.
You just need to wait for 15 minutes and the card will be automatically unblocked. During this 15-minute timeframe, your card password cannot be changed.
The card password for your company card must be set up via your myAPS personal login. Click here for a simple guide on how to set your password using the app or here to view the guide to set your password via desktop.
If you’ve already set your card password but would like to change it for any reason, you can do so in the same way the password was set up. Need help? Click here for a simple guide on how to set your password using the app or here to view the guide to set your password via desktop. Our Contact Centre agents cannot change your card password, nor ask you for this password. This is personal and should never be shared with anyone.
3D Secure (3DS) helps increase the overall security level of your online payments. This process has now been further enhanced with the introduction of the Strong Customer Authentication (SCA). SCA is a new regulatory requirement designed to make your online payments safer and even more secure.
3D Secure (3DS) helps increase the overall security level of your online payments. This process has now been further enhanced with the introduction of the Strong Customer Authentication (SCA).

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