Security
What we do to protect your account, what you can do today to make it harder to attack, and the one rule that stops most fraud before it starts.
If you think someone has access to your account
Call us on 020 7946 0100 straight away, or dial 159 from any phone to be connected to your bank. If a card is involved, freeze it in the app first — it takes one tap and it is instant.What we do
Six layers, all of them on by default
None of these is an upgrade, an add-on, or something you have to find in a settings menu.
Password protection that stays out of sight
Passwords are strongly hashed, sign-in attempts are limited, and account lockouts stop repeated guessing.
Every payment scored before it moves
Amount, payee, device, location and history are checked in the moments before a payment leaves. Unusual ones are challenged, not silently declined.
You are told immediately
Every payment, every new payee, every change to a limit or a device raises a notification you cannot turn off.
Controls for the decisions that matter
Per-card and per-payment limits let you decide how much can move before a transfer is sent.
A record you can read
Every device, every session and every security change is listed in the app with a date, and you can end any session from any other one.
Refunds where you were not at fault
Unauthorised payments are refunded, and we do not make you argue for it. Report it and we investigate while your money is back.
What you can do
Five things worth doing this week
Each takes under a minute and closes a route an attacker would otherwise use.
- 1Use a unique password you do not use for any other account.
- 2Turn off any card capability you do not use — contactless, online payments, cash abroad.
- 3Set a per-payment limit that fits how you actually spend, not the maximum we allow.
- 4Check the device list in the app every few months and remove anything you no longer own.
- 5Never approve a payment or read out a code because someone on the phone asked you to.
Questions about security
What will Reliance Bank never ask me for?
A one-time code, your card PIN, your passcode, or your full card number. Not by phone, not by email, not in the app, not ever.
Someone called saying they were from your fraud team. Was it you?
Hang up and call us on the number on the back of your card, or dial 159, which connects you to your bank and cannot be intercepted. Caller ID can be forged.
I clicked a link in a suspicious message. What now?
Freeze your card in the app, change your passcode, and report it. If you entered any detail at all, call us straight away — the sooner we know, the more we can stop.
How do you protect sign-in?
We use strongly hashed passwords, rate limits, account lockouts, device records and immediate alerts for security-sensitive changes.
Know the shape of a scam
Almost every case we see has the same five signals. Learning them takes five minutes.