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NatWest first UK bank to unveil biometric credit card


Biometric fingerprint credit cards enter circulation today. 150 customers selected to take part in pilot Credit card pilot follows successful debit card trial earlier in the year



The first biometric fingerprint credit card issued by a UK bank begins its three-month national trial today. NatWest is piloting cutting-edge, biometric fingerprint technology with 150 customers, in partnership with Mastercard and Gemalto, a Thales Company.

The bank has previously piloted biometric debit cards, but this will be the first-time credit cards have been issued. The biometric credit cards will offer contactless payments using fingerprint verification for transactions up to £100, an increase on the current £30 limit.

As well as retaining contactless functionality, the fully integrated card can be used as normal in ATMs and for online shopping. Additionally, there are no hardware changes needed to accept biometric cards, so cardholders can use them at existing contactless and Chip and PIN terminals. The card is powered through the card terminal and when a customer presents a card, a green light on the card indicates that the fingerprint has been matched successfully.

Enrolment is simple and takes as little as five minutes. A customer can register in the comfort of their home using a plastic sleeve. Once a digital fingerprint is locked onto a card, it cannot be changed. The user’s biometric data never leaves the card, is never shared with the merchant or bank, and no fingerprints are stored in a cloud. This ensures that biometric data cannot be accessed or used outside the card.

Georgina Bulkeley, Director of Innovation, NatWest said: “After the successful pilot of our biometric debit card we are looking to test the technology further with credit cards. This is the biggest development in card technology in recent years and not having to enter a PIN not only increases security but makes it easier for our customers when paying for goods or services.”

NatWest is working closely with Mastercard and digital security company Gemalto to bring the service to customers in the UK.

Bob Reany, Executive Vice president, Identity Solutions, Mastercard added: “Feeling confident that your information is protected is paramount. We, along with our partners, are building biometric cards that recognize an individual rather than a password or PIN. Biometrics are more secure, more trusted and better suited to a world that requires more frequent authentication.”

Howard Berg, Senior Vice president, UK Ireland and Switzerland of Gemalto, a Thales Company, said: “Biometric have a big role in the future of payments and we’re pleased that more NatWest customers will be the first to try out this simple, convenient and secure way to pay. Authenticating payments with a fingerprint isn’t just easy – it boosts security and opens the door to larger contactless payments. We’ll work very closely with NatWest as the trial progresses to address feedback from users and make sure they’re getting the best experience possible.”

The Royal Bank of Scotland plc. Registered in Scotland No 83026. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB. The Royal Bank of Scotland is authorised by the Prudential Regulation Authority, and regulated by the Financial Conduct Authority and Prudential Regulation Authority. The Royal Bank of Scotland N.V. is authorised and regulated by the De Nederlandsche Bank and has its seat at Amsterdam, the Netherlands, and is registered in the Commercial Register under number 33002587. Registered Office: Gustav Mahlerlaan 350, Amsterdam, The Netherlands. The Royal Bank of Scotland N.V. and The Royal Bank of Scotland plc are authorised to act as agent for each other in certain jurisdictions.

National Westminster Bank Plc. Registered in England No. 929027. Registered Office: 250 Bishopsgate, London EC2M 4AA. National Westminster Bank Plc is authorised by the Prudential Regulation Authority, and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

The Royal Bank of Scotland plc and National Westminster Bank Plc are authorised to act as agent for each other.

Visit our website at www.rbs.com

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Mercredi 9 Octobre 2019
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