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BOV 3D Secure App
BOV 3D Secure App
BOV 3D Secure App
Strong Customer Authentication  - BOV 3D Secure App 

When you buy goods or pay for services online, you are often required to authenticate your payments through a fraud protection tool known as 3D Secure. You receive an SMS with a code on the mobile phone number registered with the bank which you then key in before payment is affected. 

We have now introduced a stronger security process for safer and more secure online purchases and payments in line with a new regulatory requirement known as Strong Customer Authentication (SCA). 

What’s new?

The NEW BOV 3D Secure App, will replace the current SMS method, adding another layer of security to minimize the risk of fraudulent transactions. This will result in a safer and more secure online shopping experience. 

Here's how it works

  1. Click on the icons below to download the BOV 3D Secure App on your smartphone. You can also easily do so by scanning the respective QR Code. 



  2. Enrol one of your BOV Cards by following the instructions on your phone.  You only need to enrol one card – the rest of your valid BOV credit & debit cards will automatically be uploaded on the app. 

  3. When you need to affect an online purchase which requires 3D secure authentication, choose push notification in the drop down list in order to authenticate the purchase. 

  4. Once, you have authenticated the purchase through the 3D Secure App on your mobile, click ‘Proceed Once Authentication is successful’, on the device you are affecting the purchase on and your transaction will be completed in seconds. 

What happens if you do not have Wi-Fi or mobile data on your smartphone? 
Should you not have any Wi-Fi or mobile data connection at the time you are effecting the purchase, there is another method which you can use in order to authenticate the purchase by means of scanning a QR code through the 3D Secure App.

Can I opt to authenticate purchase by means  of an SMS?
For the time being this option is still available, however it will be deactivated soon.

Follow the user guides for step-by-step instructions:


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Bank of Valletta p.l.c. is a public limited company regulated by the MFSA and is licensed to carry out the business of banking and investment services in terms of the Banking Act (Cap. 371 of the Laws of Malta) and the Investment Services Act (Cap.370. of the Laws of Malta).