Strong Customer Authentication (SCA) allows verifying 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.

It relies on 2 security levels:

  1. Your login password

  2. The pairing of your phone 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.

The SCA allows you to pair only one phone per profile.

☝️ Good to know: the SCA is available for phones using iOS, Android or HarmonyOS (Huawei/Honor).

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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