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Frequently Asked Questions

For information on St. James's Place Bank Secure, use the links below to go to specific topics, or scroll down the page to review the full list of commonly asked questions and answers.

General questions

What is St. James's Place Bank Secure?

St. James's Place Bank Secure is a new service provided by St. James's Place Bank and certified by Visa International, offering secure internet shopping, using your preferred form of internet payment - the debit card. St. James's Place Bank Secure lets you add a personal password to your existing St. James's Place Bank Visa debit card, getting added security and the reassurance that only you can use your St. James's Place Bank Visa debit card online. St. James's Place Bank Secure is a part of Visa's global Verified by Visa scheme.

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How does St. James's Place Bank Secure work?

When you purchase online at a participating retailer, St. James's Place Bank Secure issues a receipt at the end of the checkout process. The receipt includes details of your current purchase, such as site name, purchase amount and date. You sign the receipt by entering your personal St. James's Place Bank Secure password, then click 'Submit' to proceed with the purchase.

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How does St. James's Place Bank Secure protect me?

With St. James's Place Bank Secure only you can sign your receipt and approve a purchase because only you know your personal St. James's Place Bank Secure password and message.

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Will I need to apply for a new card to use St. James's Place Bank Secure?

No. All existing St. James's Place Bank Visa debit cards are enabled for purchasing using St. James's Place Bank Secure.

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When will my account be charged for St. James's Place Bank Secure purchases?

There will be no change to your existing billing arrangements.

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Where can I buy with St. James's Place Bank Secure?

Many retailers are already a part of Verified by Visa, and more retailers are signing up! A list of participating online retailers can be viewed on the Visa Website.

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Do I have to pay for St. James's Place Bank Secure?

No. St. James's Place Bank is offering St. James's Place Bank Secure free of charge!

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What are the system requirements for St. James's Place Bank Secure?

St. James's Place Bank Secure requires the use of Windows Microsoft® Internet Explorer 5.5 and 6.0, Windows Netscape® 7.1 and 7.2, Windows AOL ® 9, Windows Firefox® 1.0 and Macintosh Safari®.

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What happens when my St. James's Place Bank debit card expires?

When you are re-issued a new St. James's Place Bank Visa debit card, the St. James's Place Bank Secure service is automatically updated with the new card information. You do not need to re-enrol in order to continue using the St. James's Place Bank Secure service.

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What happens if I cancel or lose my St. James's Place Bank debit card and then get a new one with a different account number?

You will need to enrol the new card for the St. James's Place Bank Secure service.

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Can I set my computer to reject cookies?

Yes. Both Netscape and Internet Explorer provide the means to alert you when a cookie will be placed on your computer and give you the opportunity to accept all, some or none of them. We do not recommend disabling cookies on our website because doing so may limit the ways in which we can serve you online. We use cookies to enable our computers to recognise you and facilitate your use of the website.

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Enrolment

What is enrolment and how do I do it?

You need to enrol your St. James's Place Bank Visa debit card for the St. James's Place Bank Secure service. During enrolment you set up your password and Personal Message.

You also set up a login name so that you can use the St. James's Place Bank Secure Personal Account Manager facility. You will also need to review and accept the St. James's Place Bank Secure terms and conditions. You will be invited to enrol, if you have not already done so, when you purchase at a Verified by Visa retailer. After 3 prompts, if you do not register your password you will not be able to shop at the participating retailers' sites.

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What cards can I enrol with St. James's Place Bank Secure and when?

St. James's Place Bank Secure covers all St. James's Place Bank Visa debit cards.

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How many cards can I enrol with St. James's Place Bank Secure?

You can enrol any number of St. James's Place Bank Visa debit cards. You can enrol all of your St. James's Place Bank Visa debit cards at one time.

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Can I use the same password for all of my St. James's Place Bank Visa cards?

Yes. When you enrol with St. James's Place Bank Secure you will select a login and a password. These will be valid for any of the cards you have enrolled. You must select a password between 6-20 characters, which includes at least one digit and one letter. You may not use passwords that you have used previously for St. James's Place Bank Secure. We recommend that you select a password that will be easy for you to remember and difficult for others to guess.

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Can joint account cardholders on an account use the same password or should they enrol for St. James's Place Bank Secure separately?

Both cardholders can enrol with St. James's Place Bank Secure. Joint account clients cannot use the same login and password and must enrol separately.

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Why do I have to supply personal information during enrolment?

The personal information you are supplying is used as a security measure to make sure you are the real cardholder. The information you supply is verified against the data stored in the St. James's Place Bank database. This same information will also be used in case you forget your St. James's Place Bank Secure password and need to re-enrol.

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Why am I required to supply my email address during enrolment?

Your email address will only be used for important notifications from St. James's Place Bank, and in full accordance with the privacy policy and the terms of use.

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What is a Personal Message?

The Personal Message is a short phrase (6-30 characters long) that you set-up during enrolment. This text should be personal, however not secret. Each time a St. James's Place Bank Secure receipt is presented to you by St. James's Place Bank you should look for the Personal Message - it proves it is a genuine St. James's Place Bank receipt. Please note - you cannot select a Personal Message that will be identical to the password. Your password must be kept secret, while the Personal Message is openly displayed to you on the receipt during the purchase authentication process.

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What is the Card Security Code?

The Card Security Code is the last three digits that appear on the back of your card, on the top right hand corner of the signature panel. It is requested as an extra security measure to make sure you are in the possession of the card you are enrolling.

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What do I do if I have problems during the enrolment process?

The enrolment process is very straightforward. But, in the unlikely case you experience difficulties, the enrolment website has information available to help you. In the event you have a problem which you still cannot resolve, please call the St. James's Place Bank help desk who will be pleased to assist you. The number is on the back of your debit card.

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Activation During Shopping

What is the St. James's Place Bank Secure service?

St. James's Place Bank Secure is a service offered by St. James's Place Bank in partnership with Visa. St. James's Place Bank Secure provides a way to password-protect debit card usage on the Internet. Simply register your debit card and choose a password. Your password is required when you use your card to make Internet purchases at participating merchants. The requirement of your password prevents unauthorised usage of your card on the Internet, giving you more confidence about making secure purchases online.

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What is 'Activation During Shopping'?

As a St. James's Place Bank client, we offer you the chance to activate St. James's Place Bank Secure when you shop at participating merchants. The activation process is simple and quick - all you have to do is enter a few identifying pieces of information, and select the personal password you will be using in your future purchases.

Please make sure you read and agree to the terms of use, as activating the service indicates you have done so. Note that you may not be offered to activate the service online if you had already registered your card to the service in the past.

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I activated St. James's Place Bank Secure, and now I have received an email saying I should personalise my account online. What does that mean?

When you activate St. James's Place Bank Secure during shopping, you receive a pre-assigned login name and Personal Message. When you personalise your account you can select a different login name and personal message.

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What is the Login Name?

When you activate St. James's Place Bank Secure during shopping, a pre-assigned login name that St. James's Place Bank had selected for you is displayed. The login name is based on your first and last name. You will need this login name in your future purchases, and also in order to access your personal account manager. After activating St. James's Place Bank Secure you receive an email with a link. You can use this link to go online and change your login name.

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What is a Personal Message?

When you activate St. James's Place Bank Secure during shopping, a pre-assigned Personal Message that St. James's Place Bank had selected for you is displayed. When you pay online, always look for your Personal Message before you enter your password to ensure that you're using the authentic St. James's Place Bank Secure service. After activating St. James's Place Bank Secure you receive an email with a link. We recommend that you click on this link and create a new, truly Personal Message. Please note that your personal message must not be similar to your password.

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I activated St. James's Place Bank Secure. Can I activate it for additional cards?

After you activate St. James's Place Bank Secure for one card, you are welcome to add to the service any of your St. James's Place Bank debit cards. This includes St. James's Place Bank branded cards as well as our partner cards.

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Shopping with St. James's Place Bank Secure

How do I buy with St. James's Place Bank Secure?

When you purchase online at a participating retailer, St. James's Place Bank Secure issues a pop-up electronic receipt window at the end of the checkout process. The receipt includes details of your current purchase, such as site name, purchase amount and date. You check that the receipt contains your Personal Message, and then sign the receipt by entering your password, and click "Submit" to proceed with the purchase. When you shop online with your St. James's Place Bank Visa debit card, the St. James's Place Bank Secure service will automatically be active at participating online stores.

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Where can I buy with St. James's Place Bank Secure?

Many on-line retailers are already a part of the Verified by Visa scheme, and more retailers are signing up! A list of participating online retailer sites can be found on the Visa Website.

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How soon after completing my online enrolment can I begin to use the St. James's Place Bank Secure service to make online purchases?

You can start to use the St. James's Place Bank Secure service immediately after you complete the enrolment process.

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What should I do if I purchase online but the St. James's Place Bank Secure receipt does not appear?

First, check to make sure that the card you used for the purchase is one that you have enrolled with the St. James's Place Bank Secure service. Second, determine whether the retailer is a participating Verified by Visa retailer. If the retailer is participating and you are using the right card, contact the retailer's customer service centre for help.

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Can I purchase at retailers that do not participate in the St. James's Place Bank Secure scheme?

Yes. However you will not be able to use St. James's Place Bank Secure. To complete the purchase at such retailers, simply follow the regular checkout process.

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Where can I view the history of my St. James's Place Bank Secure purchases?

You can view your receipt history by logging in to the Personal Account Manager.

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I forgot my password. What should I do?

You must re-set your password by clicking the 'forgot your password?' link on the purchase receipt or the Personal Account Manager login page. You will need to provide the same personal information as you did when you enrolled the card for St. James's Place Bank Secure. If you enter the wrong password several times your St. James's Place Bank Secure login will be locked. You can unlock it at any time by re-setting your password as above.

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I don't see my Personal Message on the receipt. What should I do?

Always look for your Personal Message before signing the receipt. If your Personal Message does not appear on the receipt, please do not sign it with your password. Call the St. James's Place Bank help desk. The number is on the back of your debit card.

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The Personal Message on the receipt is not mine. What should I do?

Always look for your Personal Message before signing the receipt. If a Personal Message other than yours appears on the receipt, please do not sign it with your password. Call the St. James's Place Bank help desk. The number is on the back of your debit card.

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The Personal Account Manager

What is the Personal Account Manager?

The Personal Account Manager is a special service offered by St. James's Place Bank, which helps you trace the receipts of your St. James's Place Bank Secure purchases. In addition, it enables you to change your account settings: change your email address, password, and Personal Message.

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Do I need to write down the details of my online purchases?

No. You do not need to write down details of your online purchases. When using St. James's Place Bank Secure you do not need to record or even type the purchase details anywhere. Reviewing your previous receipts online is a convenient option through the Personal Account Manager feature.

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I am trying to login to the Personal Account Manager but I forgot my password. What should I do?

If you forgot your password, click on the "Forgot your password?" link on the login page. You will need to provide the same personal information as you did when you enrolled the card for St. James's Place Bank Secure. If you enter the wrong password several times your St. James's Place Bank Secure login will be locked. You can unlock it at any time by re-setting your password as above.

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How do I change my password?

In the Personal Account Manager, access "Manage Your Profile", and select "Change your password". You will be required to enter the old password, select a new password and retype it for verification. You must select a password between 6-20 characters, which includes at least one digit and one letter. You may not use passwords that you have used for St. James's Place Bank Secure in the past. We recommend that you select a password that will be easy for you to remember and difficult for others to guess.

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How do I change my Personal Message?

In the Personal Account Manager, access "Manage Your Profile", and select "Change your Personal Message". Your old Personal Message will be presented, and you will be able to select a new Personal Message (6-30 characters long). Please note that your Personal Message must not resemble your password.

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How do I update the email address?

Your email address is used for important notifications from St. James's Place Bank. It is therefore important that you keep the email address in the St. James's Place Bank Secure service updated. In the Personal Account Manager, access "Manage Your Profile", and select "Update your email". Your old email address will be presented, and you will be able to enter a new one.

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I have been using St. James's Place Bank Secure for a while and I would like to add another card to the service. What should I do?

You can either access the regular enrolment, or add another card through the Personal Account Manager: access "Manage Your Profile", and select "Enrol additional card(s)".

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