PSD2 - new regulations for payment transactions: More security for online card payments. Stronger protection for online card payments.
With PSD2, payment transactions on the Internet become even more secure. This also applies to online card payments. In concrete terms, this means that in future you will have to partially validate your online card payments with two authentication elements. This strong customer authentication is usually carried out using SMS-TAN and eCode.

NEW: 3 steps when paying by credit card on the Internet (from September 2019):

(1) Enter your card number
(2) First release with SMS-TAN
(3) Second release with eCode

As of 14 September 2019, you will be able to pay securely with your credit card on the Internet:

Your credit card must be registered for the HVB SMS service.
This is the only way we can send the SMS-TAN to your mobile phone to validate payments. If this is not the case, you can register your card in HVB Online Banking. Or you can contact the HVB card service on +49 89 435 494 90 if you are not registered for HVB Online Banking.

You will receive your eCode in September.
The eCode is a password that you need to validate your online card payments. From September, you can set up the eCode yourself in HVB Online Banking. It applies to all credit cards in your name. If you are not registered for HVB Online Banking, we will automatically send you the eCode by post.

Secure shopping on the Internet.
Mastercard Identity Check and Visa Secure are state-of-the-art security standards for Internet payments.

Frequently asked questions:

When do I have to enter an eCode in the future?
Starting on September 14 2019 it will be necessary for many online credit card payments.

How can I change my eCode?
You can change your eCode in HVB Online Banking only.

You do not use online banking?
You can apply for a new eCode at any time via the HVB card service on +49 89 435 494 90.

What can I do if I have forgotten my eCode?
You can set up a new eCode in HVB Online Banking.

Do you not use online banking?
You can apply for a new eCode at any time via the HVB card service on +49 89 435 494 90.

I do not use online banking. How do I get my eCode?
You will receive the eCode by post from the beginning of September 2019.
You can apply for a new eCode at any time via the HVB card service on +49 89 435 494 90.


What is the SMS service and how does it work?
You can receive messages on your mobile phone free of charge via our SMS service.
Your credit card must be registered for the SMS service in order for you to be able to validate online payments after September 14^th. This is the only way we can send the required SMS-TAN to your mobile phone.


What is "strong customer authentication" or "2-factor authentication"?
In future, you will have to partially release your online card payments with two authentication elements. This strong customer authentication is done with SMS-TAN and eCode.

Can I also use biometric methods with my credit card?
Authentication via biometrics will be available from the beginning of 2020. With the new "HVB ID Check App" you can then validate online payments with the biometric methods fingerprint or face recognition depending on the device.