There are three stages to enrolling for CouttsID, if you already have Coutts Mobile you can proceed to stage three
The first stage is to register to use mobile via the desktop
- Select Services
- Select Coutts Mobile
- Select Register
- Enter a Coutts Mobile Password
- Confirm the Coutts Mobile Password
- Select the international dialling code
- Enter or select your mobile number which will be saved as your preferred mobile phone number for contact purposes and will be used for sending you an activation code when you log in to Coutts Mobile for the first time.
- Select whether this mobile is for Personal, Work or Other purposes
- Add any additional information
- Select Next to authorise the changes detailed
- Insert your card in to the card reader
- Press Respond
- Enter your PIN and press OK
- Enter the Security code displayed on screen in to the card reader and press OK
- Enter the Authorisation number from the card reader on to the screen
- Press Authorise and press OK
- Select whether you require the Coutts app link from the App Store or Google Play.
The second stage is to authorise your smartphone for mobile
- Download the Coutts Mobile app from the app store or Google Play
- Open the Coutts Mobile app
- Enter your Coutts Online Username
- Enter the Coutts Mobile Password you created at registration
- Select Login
- You will receive an activation code by SMS which should be entered in to the Activation code box
- Select Login
- If enabled, your device will ask if you wish to use TouchID to login.
Lastly, the third and final stage is to enrol your smartphone for CouttsID using the mobile app
- Select Settings
- Select CouttsID enrolment
- Select Enrol Device
- You will receive an activation code by SMS which should be entered in to the Activation code box
- Select Activate
- If you are a Touch ID user will you will be asked to confirm your mobile password. If you do not know your password you will have the option to create a new mobile password.
Your card and reader are no longer required and we would recommend that you destroy the card securely and return the card reader to us and we will arrange for it to be recycled.
The next time you login to the desktop you will
- Enter your username and select Next
- Enter your password (which is the same password used for mobile) and select Next
- You will receive a message on your smartphone which will display your username and ask Would you like to login to Coutts Online?
- Selecting Yes will log you in to your desktop
- If you do not select a response with 60 seconds, the login screen will ask if you wish to generate a new request, select Yes to send a new request, and select Yes to login when the message is received on the mobile app.
- If you are unable to receive the CouttsID message, the login screen will ask you to enter a One Time Password’ which is generated by selecting Create One Time Password from the mobile app login screen. You will have 60 to enter this password and select Next.
Once logged in you are able to proceed to create your new users or amend your own permissions as required
Continue without Permission Profiles
To create a new user
If dual administration applies, the creation of the new user will have to be approved by another administrator. If you are an unrestricted administrator the new user should be authorised now, however you may choose to Authorise Later.
The user has been created, however will be blocked. If you selected card and reader as the authentication method:
- Select Smartcard and reader for Order type and click Confirm.
The new card and reader will be sent to you and the PIN sent to the user within the next 5 working days. Once these have been received, an administrator will need to unblock the user before they can log in for the first time. Users should only be unblocked once they have received both their card and PIN.
For users enrolled with CouttsID as their authentication method they should only be unblocked when they have downloaded the Coutts Mobile app and are ready to use their temporary password for CouttsID.
Please be aware that the temporary password has a short validity period so the user must be available to use the password when it is generated, you must also advise them of their username as they will need this to login.
Denotes that the change requires authorisation or further approval by another administrator if dual administration applies
To authorise a change
- Click on the to drill down to the level that needs approving
- Check the changes denoted by
- Select Authorise Amendments or Reject Changes
You will now need to choose the accounts this user can view and make payments from as well as assigning limits if the user is to approve payments. This is done by customising the users permissions.
Customising the users permissions
There are two parts to allocating permissions to a user,
- User Rights - controls the payment approval process and payee entry restrictions together with the upload controls across all the accounts the user has access to.
- Account Permissions - controls access to account information and the entry of payments
Please give careful consideration when allocating permissions and only give users permissions that are relevant to them. Changes can always be made at a later date.
User Rights
Select User Rights
Payee Entry – This permission gives the user the ability to create a new payee so the saved payee details can be selected from a list
Dual Approval or Unrestricted:
By selecting Dual Approval if a user creates or amends a payee another user who also has the payee entry permission will need to approve the new/amended payee before it can be used. If this is selected you must have at least one other user with the payee entry permissions in place to be able to check them.
If Unrestricted is selected then this user will be able to create or amend a payee without the need of any further approval.
After selecting the Unrestricted or Dual Approval boxes, you will see payment types available. These options define the payee payment types the user will be able to create.
It is possible to mix approval levels for the different types of payments.
Denotes that the change requires authorisation or further approval by another administrator if dual administration applies
Payment Approval
Payment Approval – allows the user to approve payments and transfers created on the accounts they have access to.
Unrestricted - this can either be the maximum amount a user can sign on their own or, alternatively, the maximum amount they can sign before second approval is required.
Dual Approval - this limit is the maximum the user can approve with another user. To set dual approval so that a user can only approve payments with another user, do not select any of the unrestricted options.
Payment Types – select payment types this user can approve, e.g. unrestricted for Inter Account Transfers and dual approval for the others.
Approval Limits – this will control the maximum payment value this user can approve. You can choose to have a fixed limit by placing an amount in one or all of the fields provided, Free Entry, From Saved Payee and Uploaded Payments. If an approval limit is entered you can choose to select the unlimited box for Inter-Account Transfers & Withdrawal notices which will mean that those are exempt from the external payment limits
Approve Own – allows the user to approve a payment that they have keyed themselves.
Amend Uploads – allows the user to amend an uploaded payment.
Account Permissions
A list of the accounts registered are displayed, select each of the accounts individually that this user is to have access to and select the following options as appropriate.
Read Access
- None - completely prevents access to the account
- Restricted - view balance only
- Unrestricted - view balances and transactions
Confidential Payees – Allows the user to create and view payments to Confidential Payees, for example salaries.
Payment Entry - Select the payment types that the user will be able to key, upload and amend
Denotes that the change requires authorisation or further approval by another administrator if dual administration applies
Unblocking the new user
Users should only be unblocked once they have either received both their card and PIN or are ready to login using CouttsID and have downloaded the mobile app.
To unblock a user
- Click User Admin
- Select Users
- Select the User
- Select User Details
- Select Unblock User
- Enter an Unblock Reason such as 'card and PIN received'
- Select Confirm
If the user is logging in using CouttsID, a temporary password needs to be generated. as a security precaution, this password is only available for a short period of time. To send the temporary password;
- Select Send Temporary Password
- Press Confirm
Denotes that the change requires authorisation or further approval by another administrator if dual administration applies
To authorise a change:
- Click on the to drill down to the level that needs approving
- Check the changes denoted by Warning Triangle
- Select Authorise Amendments or Reject Changes
Continue with Permission Profiles
To create a permission profile
The profile is now available for you to customise if required.
Denotes that the change requires authorisation or further approval by another administrator if dual administration applies.
Customising the Profiles permissions
If the standard configuration of the default profile used to create the new profile needs to be amended, there are two parts that can be customized.
- User Rights - controls the payment approval process and payee entry restrictions together with the upload controls across all the accounts.
- Account Permissions - controls access to account information and the entry of payments
Customising User Rights
Expand the screen by selecting User Rights
The current profile options will be displayed and can be changed.
Payee Entry – This permission gives the user the ability to create a new payee so the saved payee details can be selected from a list.
Dual Approval or Unrestricted:
By selecting Dual Approval if a user creates or amends a payee another user who also has the payee entry permission will need to approve the new/amended payee before it can be used. If this is selected you must have at least one other user with the payee entry permissions in place to be able to check them.
If Unrestricted is selected then this user will be able to create or amend a payee without the need of any further approval.
After selecting the Unrestricted or Dual Approval boxes, you will see payment types available. These options define the payee payment types the user will be able to create.
It is possible to mix approval levels for the different types of payments.
Payment Approval
Payment Approval – allows the user to approve payments and transfers created on the accounts they have access to.
Unrestricted - this can either be the maximum amount a user can sign on their own or, alternatively, the maximum amount they can sign before second approval is required.
Dual Approval - this limit is the maximum the user can approve with another user. To set dual approval so that a user can only approve payments with another user, do not select any of the unrestricted options.
Payment Types – select payment types this user can approve, e.g. unrestricted for Inter Account Transfers and dual approval for the others.
Approval Limits – this will control the maximum payment value this user can approve. You can choose to have a fixed limit by placing an amount in one or all of the fields provided Free Entry, From Saved Payee and Uploaded Payments. If an approval limit is entered you can choose to select the unlimited box for Inter-Account Transfers & Withdrawal notices which will mean that those are exempt from the external payment limits
Approve Own – allows the user to approve a payment that they have keyed themselves.
Amend Uploads – allows the user to amend an uploaded payment.
Account Permissions
A list of the accounts registered are displayed, select each of the accounts individually that this user is to have access to and select the following options as appropriate.
Read Access
- None - completely prevents access to the account
- Restricted - view balance only
- Unrestricted - view balances and transactions
Confidential Payees – Allows the user to create and view payments to Confidential Payees, for example salaries.
Payment Entry - Select the payment types that the user will be able to key, upload and amend
The permission profile can now be given to a user however denotes that the change requires authorisation or further approval by another administrator if dual administration applies, before it can be allocated
The profiles have been created and can be allocated to a user.
Creating a new user
The profiles have now been created and the next step is to create the user.
To create a new user
If dual administration applies, the creation of the new user will have to be approved by another administrator. If you are an unrestricted administrator the new user should be authorised now, however you may choose to Authorise Later.
The user has been created, however will be blocked. If you selected card and reader as the authentication method:
- Select Smartcard and reader for Order type and click Confirm.
Users should only be unblocked once they have received both their card and PIN. Users enrolled with CouttsID as their authentication method should only be unblocked when they have downloaded the Coutts Mobile app and are ready to use their temporary password for CouttsID.
Please be aware that the temporary password has a short validity period so the user must be available to use the password when it is generated, you must also advise them of their username as they will need this to login.
The new card and reader will be sent to you and the PIN sent to the user within the next 5 working days. Once these have been received, an administrator will need to unblock the user before they can log in for the first time.
Denotes that the change requires authorisation or further approval by another administrator if dual administration applies.
Unblocking a new user
Users should only be unblocked once they have received both their card and PIN or are ready to login with CouttsID
To unblock a user
- Click User Admin
- Select Users
- Select the User
- Select User Details
- Select Unblock User
- Enter an Unblock Reason such as 'card and PIN received'
- Select Confirm
If the user is logging in using CouttsID, a temporary password needs to be generated, to send the temporary password;
- Select Send Temporary Password
- Press Confirm
Denotes that the change requires authorisation or further approval by another administrator if dual administration applies
