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One-Time Code

What is a One-Time Code?

One-Time Code is a unique code sent to your nominated mobile or landline number to provide an extra layer of security when you're completing certain transactions with Skipton Online. For example, you may need this code when setting up a withdrawal to a new nominated bank account or changing your personal details.

When completing one of these transactions, you’ll be prompted to enter the five-digit One-Time Code, sometimes alongside your Skipton Online password.

How do I use a One-Time Code?

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Step 1 - Log in to Skipton Online

You first need to log in to Skipton Online with your login details to view your One-Time Code.

If you do not have a Skipton Online account, you will need to sign up.

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Step 2 - Find One-Time Code

Once you’re on the home screen for Skipton Online, on the left-hand side you will find a list of options – including the One-Time Code option.


Once you’ve selected the One-Time Code option, a pop up will appear. We will then send you the code either by text message or through voice call, depending on your preferences.


Please remember, we will never contact you to ask you for your code and you shouldn't share this with anyone.

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Step 3 - Enter code

Once you have your code, you’ll need to re-enter your password for Skipton Online, along with the code we’ve just sent you.

When you’ve entered the code, your transaction will be complete.

Important information

  • You can only nominate a UK registered mobile or landline number to receive your One-Time Code.
  • It’s important to make sure your registered mobile and landline numbers are up to date. You will see the registered number before the One-Time Code is sent.
  • Your One-Time Code is a security feature and should never be shared with anyone. We will never ring you to ask for a One-Time Code that’s been sent to you.

Frequently Asked Questions

Once you've requested your One-Time Code, it will expire after three minutes.

If you input the wrong five-digit code, or it has expired, you can request another. You'll have three attempts to enter the code before you're locked out of Skipton Online.

If you haven't received your code after three minutes, you can request another code. You may also want to check that your nominated phone number is correct. If it's not, please call us on 0345 702 5026.

If you have access to your phone number that’s already registered for One-Time Code, you can change your nominated number by logging into Skipton Online.

If you do not have access to the phone number that’s already registered, please call us on 0345 702 5026.

If you already have the Skipton app

Log into your Skipton Online account, select the 'Mobile App' menu option and follow the instructions on screen.

If you are not registered for the Skipton app

Log into Skipton Online and you will be prompted to register for either the Skipton app or One-Time Code. Follow the instructions to complete set-up.

We have an alternative to One-Time Code which is in our app. The app contains Secure Passcode which acts as you extra layer of security.