CVV

CVV is the 3 digit security code on the back of your card. Do not tell it to anyone, because it is meant to be known only to you.

CVV: CVV stands for Card Verification Value. It is a three-digit code printed on the back of a debit or credit card. Online shops ask for it to check that you hold the card. Together with the card number and expiry, it can authorise payments.

When you pay at an online site, the form asks for the card number, expiry date and CVV, and then often an OTP. Because the CVV is not stored on the card's magnetic stripe, it adds a layer against copied cards. Many apps now use card tokenisation so you do not have to type these each time. Your bank already knows the card details, so it never needs to ask you for them.

Scammers ask for the CVV on calls pretending to be from a bank, a card upgrade desk or an offer team. Even a photo of the card, front and back, is enough for a thief. Never share the CVV, even with someone who already knows your card number. A real bank already has everything it needs. Treat the back of your card like a password.

Tips

• Do not share a photo of either side of your card in chats or emails.
• Never read out the CVV, expiry and OTP to a caller.
• Set your card limits and turn off online or international use when you do not need it.

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