Online Safety
Multi-factor authentication
Multi-factor authentication (MFA) coming soon for NBS online banking services
From 16 September 2026, we're introducing multi-factor authentication (MFA) to NBS online banking.
As scams and online fraud continue to increase, we're taking additional steps to help protect your account and personal information. MFA adds an extra security check when using online banking, helping us confirm it's really you accessing your account.
- Install software updates as soon as they arrive
- Keep your phone's operating system current
- Keep your contact details with NBS up to date
The good news?
Most clients can be set up in just a few minutes.
And if you'd like some help, we're here to support you every step of the way.
Important to know
Online criminals are becoming more sophisticated.
Passwords alone are no longer enough to protect online accounts. Multi-factor authentication adds an extra layer of protection by requiring a second step when you complete certain actions online.
That means even if someone obtains your password, it's much harder for them to access your account.
1. Please check your contact details with NBS are up to date.
To help make sure MFA works smoothly for you, please check that the email address and mobile phone number we hold for you are up to date. If your details have changed, or you are not sure what details we have.
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Log into internet banking or the mobile app
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Go to the Secure messaging section and
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Send us a secure message with your current contact details
Alternatively contact your local NBS branch or get in touch with our team so we can update them for you.
2. Ensure your devices is secure
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Use a strong PIN, face ID or fingerprint lock
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Turn on auto-lock so your screen turns off fast
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Install software updates as soon as they arrive
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Keep your phone's operating system current
When you log into online banking and complete a certain action, like create a payee or PIN your debit card you'll be challenged to authenticate with multi-factor authentication.
We'll share a list of actions closer to the launch date.
To sign in securely, use your:
- Fingerprint
- Face ID
-
Device PIN
This is good for:
- Clients already using these features
- Clients who want the fastest, simplest method for online authentication
Receive a one time code by text or email message and enter it when logging in.
Good for:
-
Clients looking for an option not impacted by the device you use to login with
-
Clients who don’t regularly login
There is no right or wrong option. Choose the one you feel most comfortable using.
|
If you prefer… |
Consider… |
|
Strong security |
Passkey |
|
Fingerprint or Face ID or Pin to login |
Passkey |
|
Something simple and familiar |
Text or email message |
Still unsure? Our team can help you decide.
FAQs
MFA stands for multi-factor authentication. It adds an extra security step when you log into NBS Internet Banking or the NBS Mobile Banking app.
Yes, from 16 September 2026 MFA will be required to access our online banking services.
NBS does not charge clients for MFA. Normal mobile or internet charges from your provider may apply.
Depending on the option you choose and the device you're using, you may not always be asked to enter a code. Follow the prompts provided when you sign in.
Select Forgot Password from the login page and follow the prompts. If you need help, contact us.
If you're using an authentication app, you may need to reconnect your account on your new device.
If you're using a passkey, your setup may depend on how your device stores passwords and security credentials.
If you need help, contact us or visit a branch.
Authentication codes rely on accurate device time.
- Check your mobile coverage
- Confirm we have the correct mobile number for you on record
- Wait a few minutes and try again
You may find an authenticator app or WhatsApp-based verification easier while travelling.
If you're unable to access your account, contact us for support.
Visit your local branch, contact our team or attend one of our workshops.
We'll guide you through the process step by step.
This is a genuine NBS security improvement designed to help protect clients from fraud and scams.
If you're ever unsure, contact NBS directly using the phone number on our website or the back of your card.
