Strong Customer Authentication (SCA) allows us to verify your identity when you make a transaction or a sensitive action (a transfer for example). This system strengthens the authentication process and provides additional protection to make your Qonto account even more secure.

How does it work?

It's based on two secure elements:

  1. Your password

  2. Your phone paired with your Qonto account

In practice, whenever you make a transaction or a sensitive operation, you will be notified on your Qonto mobile app (after logging in using your password). With only one click, you can confirm both your request and your identity.

☝️ Good to know: Make sure the phone you choose to pair is yours because it will be the one on which you will receive all future action confirmation requests. Wondering how to pair your phone with your Qonto account? Find all the information you need right here.

Why this new authentication system?

SCA follows the second Payment Services Directive (PSD2) whose goal is to make transactions and banking operations more secure while keeping your data safe.

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