Dual Authorisation | Royal Bank of Scotland

Protect yourself in Bankline

Protecting yourself in Bankline

Everything you need to know about using the controls and security features to protect yourself in Bankline

What’s Dual Authorisation?

When activated, dual authorisation is an added security measure that requires two different people to authorise a payment above a limit set by the administrator. This is an additional security measure that removes the risk of an individual user authorising inappropriate payments, and makes life much harder for fraudsters as they would have to compromise multiple user-profiles in order to succeed.

What’s a Dual Authorisation threshold?

The Dual Authorisation threshold is the limit that determines whether dual authorisation is required. Any payment below this level can be authorised by a single individual. The default is set to none (i.e. no threshold) so no payments will need dual authorisation until you change this.

The benefits of Dual Authorisation

Dual authorisation can help identify and prevent many types of fraud, here are 2 real life examples:

Accordion

Icon expand Malware

Step 1. A customer was infected by malware via an attachment to an email. This malware was used to trick the intended victim into disclosing their Customer ID, User ID, PIN & password to the fraudster, along with smartcard challenge & response codes.

Step 2. The fraudster used this information in real time to access the customer’s Bankline profile and key payments.

Step 3. Dual authorisation was turned on for all external payments, so the transaction went into the authorisation queue where the second authoriser queried why their colleague had seemingly made a series of large payments, to previously unknown beneficiaries in both in the UK and abroad.

Step 4. The attempted transactions were confirmed as fraudulent and were reported to the bank and law enforcement. The dual authorisation control effectively thwarted the malware attack, preventing the loss of a six figure sum.

Learn more about Malware

Accordion

Icon expand Vishing

Step 1. A customer was called by someone claiming to be from the bank asserting that their Bankline profile was not working and that they would need to disclose certain information in order to reactivate it. The customer was tricked into verbally disclosing their Customer ID, User ID, PIN & password along with smartcard challenge & response codes.

Step 2. The fraudster used this information in to access the customer’s Bankline profile and key payments.

Step 3. Dual authorisation was turned on for all external payments so the transaction went into the authorisation queue. The bogus caller then contacted another Bankline user who could authorise the payments, but the second user was immediately suspicious and terminated the call.

Step 4. She cancelled the fraudulent transactions and reported the incident to the bank and the police. Again the dual authorisation control effectively thwarted the malware attack and prevented the loss of a six figure sum.

Learn more about Vishing

Activate Dual Authorisation in 5 simple steps

Step 1: Login to Bankline, and from the left hand navigation menu or the Bankline Welcome screen, select ‘Administration’.

Step 2: Scroll down and select ‘Payment limits’

Step 3: Tick the ‘Dual Authorisation Threshold’ box and enter the amount above which payments will be subject to Dual Authorisation. Ensure that the ‘1st & 2nd authorisation’ radio button is selected, and then press confirm.

Step 4: A screen asking you to confirm the change will now appear. Check the details and if you are happy that everything is correct, then click the ‘Update’ link.

Step 5: To complete the process, you will need to authorise the change with your smartcard and reader by clicking on the ‘Continue’ link.

Dual Authorisation | Royal Bank of Scotland Do you want to report a fraud or cyber crime on Bankline?
If you suspect fraudulent activity on Bankline, call:

UK: 0800 161 5157

Lines open: Monday to Friday, 7am-8pm

To report other suspicious activity, call:

UK: 0800 161 5150

Lines open: Monday to Friday, 7am-8pm

^If you need any other help, please contact your Relationship Team.

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