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HSBC Secure Key FAQ

Help with using your Secure Key for online banking

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What is a Secure Key?

The Secure Key adds a layer of protection to your online banking transactions. Once you activate your device, it is uniquely linked to you and allows you to carry out transactions online securely.

The Secure Key provides one-time codes that are only valid for a short period of time, which you can input to carry out online banking transactions. This means that even if a third party manages to get your log on details, they still won't be able to fraudulently carry out transactions without your device.

When do I need to use my Secure Key?

You'll always need your Secure Key to log on to online banking. This keeps your account as safe as possible.

You'll also need it when you're making higher-risk transactions, such as new payments to third parties. The unique code generated by the Secure Key validates your identity, keeping your account secure.

How do I activate my Secure Key?

You'll need to activate your Secure Key before you use it for the first time. 

Log on to online banking, and you will be asked to activate your Secure Key. This is a simple procedure:

  1. Select Activate now, click Generate new Code and another screen will pop up
  2. Then click Request new Activation Code, and you will immediately receive an SMS with a one-time activation code
  3. Insert this code together with the Serial Number which you’ll find on the back of the Secure Key
  4. Create your own PIN by pressing the green button for two seconds
  5. Enter a PIN of your choice and press the yellow button
  6. Confirm your PIN by re-entering it into your Secure Key


At the end of the process, to activate your Secure Key: 

  1. Generate a Security Code by pressing the green button for two seconds, 
  2. Enter your PIN 
  3. When you see the HSBC welcome screen, press the green button again.

A Security Code will be generated. Enter this Security code and press Activate secure key.


You can now use our Online Banking which allows you to view all your accounts and recent transactions, move money between your accounts and others, pay bills, and so much more.   

Can I use someone else's Secure Key?

No. Once you activate your Secure Key, it is uniquely linked to you.  

Can I have 2 Secure Keys, one for work and one for home?

No, to keep our system secure, only one Secure Key can be activated for each customer. The Secure Key has been designed so that it is small enough to carry around or attach to a key ring.

How do I use my Secure Key to make transfers?

You will need to use the Secure Key only when paying someone (or a company) for the first time. This is done through our Move Money function which can be accessed as follows:

After logging in to online banking, you will see your account selection page. Use the Move Money function from the account selection page by selecting one of the following:

  • the 'Move Money' option from the top menu or;
  • the ‘Pay and Transfer’ icon situated in the quick links menu or;
  • the three red dots you will find next to the account balance in the account selection page. After clicking these, choose ‘Pay and transfer’

For more information, please review our Move Money guide.

How do I take care of my Secure Key?

Your Secure Key is light and portable, so it can be easily attached to your key ring. Make sure you keep it away from liquids or extreme heat sources.

We'll replace your Secure Key without charge if it is lost or damaged.


Find out what to do if you're having problems with your PIN or password.

If I find my Secure Key after reporting it missing, can I use it again?

No. When you report your Secure Key missing, we de-activate it immediately to protect your account.

I forgot my Secure Key PIN. How do I reset it

To reset your PIN:

  1. Visit our log on to online banking page.
  2. Enter your username and select continue.
  3. Go to the help icon at the top right of the username field.
  4. Select the ‘Forgot PIN’ option and answer the two security questions.
  5. Lock your Secure Key by entering three incorrect PIN numbers.
  6. On your browser, enter the seven digit lock PIN code showing on your Secure Key.
  7. Enter a new PIN.
  8. The PIN will reset instantly.

Why does my Secure Key keep switching off?

The Secure Key has been designed to power off after a given period of time to preserve battery life. In most scenarios this will be 30 seconds. We suggest that you switch it on and enter your PIN just before you need to use it.

Replacing your Secure Key or its battery

I lost my Secure Key. What do I do?

Please contact us on +356 2380 2380 and we'll order you a new one. Advance customers should call +356 2148 9101 and Premier customers +356  2148 9100.

It will take about 10 working days to deliver your new Secure Key to an address in Malta; longer to an overseas address.

You can get a new Secure Key immediately by calling into one of our branches. Alternatively, you can fill in the Security Key replacement form (PDF 205KB) and send it to us.

We'll replace your Secure Key without charge.

Do you have an accessible Secure Key?

Yes. If you need a device with larger numbers or audio, just let us know and we can provide one.

How do I replace the battery in my Secure Key?

The batteries for your Secure Key are unique to the device. If your battery has run out of power, please contact us and we'll order a new device for you.

Understanding error codes

What do the error codes mean?

A list of errors or messages that may appear in your Secure Key together with instructions on what you would need to do when such a message is displayed can be found in our Secure Key Troubleshooting Guide (PDF, 166KB).

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