Your Discovery Bank security toolkit: a practical how-to guide
Your banking app already includes powerful built-in protection like TRUST™ alerts. This practical how-to guide shows you the quick security checks and settings you can activate in minutes to strengthen your protection even further.
Fraud today rarely involves breaking systems - it involves manipulating people through pressure, urgency and deception. That's why Discovery Bank combines intelligent fraud monitoring with powerful in-app security tools that put you in control.
A smarter system, and a smarter you
Security works best in layers. While Discovery Bank's systems work continuously in the background, there are also several tools in your app that you can activate or review to strengthen your protection.
Here's a simple how-to guide to the key security features you can manage yourself.
How to activate your Security Code and Panic Code
These codes add an extra layer of protection to your account. Your Security Code protects access to sensitive features in the app. Your Panic Code is designed for extreme situations - it behaves like you're entering your normal PIN, but silently alerts Discovery Bank's fraud team.
Steps to activate your codes
- Tap More on the home screen
- Scroll to Manage
- Select Account Security
- Tap Activate
- Choose and confirm both your Security Code and Panic Code
How to manage card and device controls
The Discovery Bank app allows you to manage your cards and connected devices instantly - without contacting the bank.
You can pause cards, set spending limits and monitor how your cards are being used.
Steps to review your card controls
- Tap Cards
- Select the relevant card
- Choose Card limits to adjust spending limits
- Pause or manage the card if needed
These controls help you act quickly if something doesn't look right.
How to check where your card details are stored
Card details are often saved across apps, websites and digital wallets - and many people forget where they're stored. Your app makes it easy to see where your cards are linked and remove access when it's no longer needed.
You can view this information in two places:
- From the card itself: Shows all wallets, subscriptions and services linked to that specific card.
- From the More menu: Shows the devices where your digital cards are currently loaded.
Steps to review stored card details
- Tap Cards
- Select the relevant card
- Tap Digital cards
- Choose the wallet, subscription or service you want to review
From there, you can remove access if the service is no longer needed.
How to use the Digital Account Vault
Some accounts don't need to be visible all the time. The Digital Account Vault lets you hide selected accounts behind your Security Code, adding an extra layer of privacy and protection.
Each time you want to access these accounts, the vault must be unlocked using your code - meaning that even if someone gains access to your phone or banking profile, sensitive accounts remain hidden.
A quick security checklist
Most fraud attempts rely on speed and pressure. A few quick checks can make a big difference in preventing loss. Take a moment to confirm that your Discovery Bank security tools are set up and working for you.
✔ Security Code and Panic Code activated
Adds an extra layer of protection and allows you to discreetly alert the fraud team if needed.
✔ Card controls reviewed
Check spending limits and pause cards you're not using.
✔ Stored card details checked
Remove cards from apps, subscriptions or wallets you no longer use.
✔ Digital Account Vault in use
Hide sensitive accounts behind your Security Code.
✔ TRUST™ alerts active
These run automatically in the background, monitoring transactions and flagging unusual activity.
