Coutts online
You don't need to activate your smartcard when you get it as it's ready to use once you have changed the PIN.
Ordering a new smartcard for an existing cardholder automatically deactivates the existing card.
No, but an icon is present indicating that the payment has been keyed from a payee and if that payee is being used for the first time or has been changed since it was last used. It is also possible to restrict a user to only approve payments keyed from a payee..
Yes. Commercial administrators can give their Users the ability to change their authentication method from card & reader to CouttsID. To do this the administrator will need to select the optional feature User can enrol for CouttsID authentication within the User Admin section of Coutts Online.
No, you can only have one smartcard per user. If an administrator orders another smartcard for an existing cardholder, this will disable that user's current card.
No, the smartcard and smartcard reader are only required at login and when authorising a payment that is being made to a beneficiary for the first time.
Yes - whereas each smartcard is assigned to an individual user, the smartcard readers can be shared.
This guide is designed to assist administrators in setting up new users and allocating permissions within Coutts Online. Please note, you will need to complete these steps before you and/or your users are able to make any payments or transfers.
As an administrator you will have been given access to User Admin which is where you will create new users and control their online access by allocating them permissions to allow them information on accounts, key different payment types and if required, approve payments. You will have been given the permissions to view balances and transactions and key payments on all the registered accounts but you can amend your own permissions in the same way as you would allocate them to a new user.
Administrators are also responsible for making the appropriate changes if a user is blocked, leaves the company, requires a new card or reader or wants to use CouttsID to login and authenticate payments and online changes.
Certain changes that are made will require authorisation which can be carried out either by using your card and reader or CouttsID. If you have not already opted to use CouttsID, you can enrol to use it which allows you to use your smartphone as a banking security device. To authorise an action, as well as login to the desktop, you will receive a CouttsID message which you can either choose to accept or reject. If you wish to use it we would recommend that you follow the Enrolling for CouttsID instructions before you begin to create new users.
Dual Administration – if dual administration was selected on the application form then changes that an administrator makes to a user will need to be approved by a second administrator before they take effect.
Messaging - the messaging service in Coutts Online provides every user with a way to contact Coutts from a computer, tablet or smartphone securely and without the need for encryption. It is recommended that all administrators and users create an alert so they are notified each time a new message is received from the bank.
No, the level of administration is set at user level and therefore 3 users could be subject to dual administration and another user could have single administration and therefore make changes on their own.
Not currently. It is up to the 1st administrator to advise you to approve the changes.
