Hey there, thanks for getting in touch. You will still be able to verify your own online purchases as you do now - by using a one-time pass code issued to you via SMS. When introduced, the mobile banking app (MBA) authentication will allow customers to authenticate an online transaction using their Tesco Bank MBA, either via touch ID/fingerprint, face ID or passcode & password combo, based on their standard log in preference. This applies only to primary cardholders. I hope this clarifies things for you.