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:
Your login password
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.
☝️ 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.