Card and reader

How do I log in to Online banking with my username, card and reader?

To log in to Coutts Online you will need

Private clients - your debit card and card reader
Business users - your smartcard and card reader

To log in, follow the steps below

Visit coutts.com
Select Login
Enter your username and select Next
To generate a passcode

Insert your card into the reader, the screen will display Select Function
Press the Identify button on the card reader
Enter your card PIN into the card reader, and press OK
If the PIN is correct, a passcode will be displayed on the card reader. Enter this Passcode (without spaces) into the field on your Coutts Online screen.
Select Next

We will NEVER ask you to provide a PIN or passcode over the phone. If you are ever asked for this information, please disconnect the call and contact the Coutts Digital Helpdesk on +44 (0)20 7770 0000 immediately from a different phone.

Please note, while we use up-to-date security measures to ensure that our service is safe and secure, we also recommend that you take the following precautions:

Keep your computer secure. Install anti-virus and firewall software on any devices that you use to log in. Always ensure that they, and the browsers you use, are kept up-to-date.
Treat emails that you receive with caution and be wary of emails or telephone calls asking you to reveal any personal security details. Neither the police nor we will ever contact you to ask you to reveal your PIN or any passcodes.

How do I log in to Online banking with my username, card and reader for the first time?

To log in to Coutts Online you will need

Private clients - debit card and card reader
Business users - smartcard and card reader

Before logging in for the first time with a smartcard (business users only), you must change your PIN. To do this

Insert your card into the reader or press ON
Press the Identify button

Enter the PIN that was sent to you by post
Press OK
Enter PIN, a 4 digit number of your choice
Press OK
Repeat PIN
Press OK

To log in to Coutts Online

Select the Login button
Enter your username, this is sent to you by post and is usually a mixture of letters and numbers, unique to you. If you have forgotten your username, contact the Coutts Digital Helpdesk on +44 (0)20 7770 0000. If you are a business user, please refer to your Administrator.
Select Next
To generate a Passcode, insert your card into the reader or press ON
Press the Identify button
Enter your PIN
Press OK
Enter the Passcode displayed into the Passcode field on your screen (no spaces)
Select Next

We will NEVER ask you to provide a passcode over the phone. If you are ever asked for this information, please disconnect the call and contact the Coutts Digital Helpdesk on +44 (0)20 7770 0000 immediately from a different phone.

Please note, while we use up-to-date security measures to ensure that our service is safe and secure, we also recommend that you take the following precautions:

Keep your computer secure. Install anti-virus and firewall software on any devices that you use to log in. Always ensure that they, and the browsers you use, are kept up-to-date.
Always keep your PIN and passcode secret. We will never ask for these over the phone or by email.
Treat emails that you receive with caution and be wary of emails or telephone calls asking you to reveal any personal security details. Neither the police nor we will ever contact you to ask you to reveal your PIN or any passcodes.

How do I set my new smartcard PIN?

The first time you use your smartcard you will need to change the PIN. To do this place the smartcard into the smartcard reader and complete the following steps:

Insert your card in to the reader or press ON
Enter the PIN contained in your PIN mailer that was sent through the post
Press OK
Enter PIN, a 4 digit number of your choice
Press OK
Repeat PIN
Press OK

To change your PIN at any time

Insert your card in to the reader or press ON
Select Identify on the card reader

Enter PIN
Press OK
Press Menu twice until PIN Change is displayed
Press OK
Enter current PIN
Press OK
Enter New PIN, a 4 digit number of your choice
Press OK
Repeat PIN
Press OK

Your new PIN is now your current PIN and should be used when requested

I can?t remember my card PIN. What should I do?

If you can not remember your debit card PIN, please call Coutts 24 on +44 (0) 20 7957 2424 to arrange for a new PIN to be sent to you.

If you are unable to remember the PIN for your smartcard, your administrator will need to order you a replacement card and PIN. If you are the administrator, please contact the Coutts Digital Helpdesk on +44 (0) 20 7770 0000 to arrange for a new smartcard and PIN to be sent to you.