Security Centre
Trust is a record, not a claim
Every bank says it is secure. We publish the incident archive, the capital position and the fraud statistics so you can check rather than believe.
- Availability
- 99.987%
- Fraud line
- 24/7
- SMS codes
- Retired
- Incidents published
- 47
Account security
The four layers between a criminal and your money
Each layer is independent, so the failure of one does not create a path to your balance.
Passkeys by default
FIDO2 and platform biometrics. Phishable SMS one-time codes have been removed entirely.
Behavioural interception
Payee age, device, typing rhythm and channel modelled together to intercept scams in progress.
Session integrity
Device binding, session revocation from any device, and re-authentication before sensitive changes.
Infrastructure
Active-active in London and Dublin, encrypted at rest and in transit, keys in HSMs.
Financial crime
Friction placed precisely, not sprayed everywhere
Our research across 2.1 million flagged payments found payee relationship age outperformed transaction value as a fraud predictor by a factor of four. Warnings now follow the evidence.
Named-pattern warnings
We tell you which scam pattern we detected and ask a question the script cannot answer.
Confirmation of Payee
Account name verified with the receiving bank before any new payee can be saved.
Reimbursement, not argument
Where you are the victim of an authorised push payment scam and took reasonable care, we reimburse within five working days.
Case ownership
One named investigator from report to resolution, reachable directly.
Fraud outcomes, trailing 12 months
- Payments flagged for review
- 2,140,880
- Interrupted at the point of payment
- 18,412
- Confirmed loss rate, per £1m sent
- £41
- Median reimbursement time
- 2 working days
- Cases with a named investigator
- 100%
Published quarterly alongside our operational resilience disclosure.
Your money
Where the deposits actually sit
A bank's security posture starts with its balance sheet, not its login screen.
- 19.4%
- CET1 capital ratio against a 15% internal floor
- 187%
- Liquidity coverage ratio
- 61%
- Of deposits in central bank reserves and short-dated sovereigns
- £85,000
- FSCS protection per eligible depositor
If something is wrong
Freeze first, ask questions after
You can freeze every card and revoke every session from any device in one tap. Nothing is charged, nothing is lost, and unfreezing takes a second once you are sure.
24/7 fraud line
+44 20 7946 1200, option 1 — median answer 41 seconds
In-app report
Flag a transaction and freeze the card in the same flow
Responsible disclosure
security@nordhavenbank.example, PGP key published
FAQs
Questions, answered plainly
Next step
Bank somewhere that shows its working
Capital ratios, incident history and fraud statistics, published on a schedule rather than on request.