Geared up for 2026? Your Discovery Bank security toolkit explained

Five powerful tools. One secure app. Learn how Discovery Bank can help protect you, your money and your data in 2026.

Fraud doesn't stand still - and neither does Discovery Bank. That's why your banking app is equipped with a complete security toolkit, designed to protect your money, your data and you.

From intelligent fraud alerts and biometric checks to advanced card controls and discreet emergency features, Discovery Bank gives you the tools to spot risk early, limit exposure and respond fast - all from one place.

This matters more than ever. In South Africa, fraud is no longer about breaking systems - it's about manipulating people. According to SABRIC, most banking fraud now involves social engineering, where criminals pressure or deceive clients into acting. In this environment, smart in-app controls are one of the strongest defences you have.

Your five essential security tools - explained

Behind the scenes, Discovery Bank runs sophisticated fraud monitoring 24/7. But what really puts you in control are the tools you can see and use yourself. Here's how to make the most of them.

1. Biometric checks that verify it's really you

When you link a new device, Discovery Bank may ask for a live selfie check - helping stop fraudsters even if they've obtained your login details. If suspicious activity is detected later, biometric re-verification can also be triggered on trusted devices.

Why it helps: It adds a powerful identity check exactly where fraudsters often try to break in.

2. Fraud alerts that interrupt scams in real time

The app doesn't just notify you - it actively looks for red flags while you're banking. If you're on a call, making an unusual transaction, or shopping online, persistent alerts prompt you to slow down, check details and confirm who you're dealing with.

Why it helps: Scammers rely on urgency. These pause points create space to think - and stop mistakes before money moves.

3. Card and device controls you can manage instantly

You don't need to phone the bank to take action. From the app, you can:

• Pause or cancel cards
• Set personalised spend limits
• Manage linked devices
• Review third-party subscriptions and wallets

Why it helps: The faster you can act, the smaller the risk. Total control sits with you.

4. The Digital Account Vault - security within security

Some accounts don't need to be visible all the time. The Digital Account Vault lets you hide selected accounts behind a custom Security Code. Each time you want access, the vault must be unlocked.

Why it helps: Even if someone gains access to your phone or profile, sensitive accounts stay out of sight.

5. The Panic Code - protection under pressure

Unique to Discovery Bank, the Panic Code is designed for extreme situations. If you're forced to access your app, entering your Panic Code instead of your Security Code looks normal on screen - but quietly alerts Discovery Bank's fraud team, enables live monitoring and can trigger further response.

Why it helps: It protects you when discretion matters most.

Set up stronger security in minutes

A few quick checks can significantly boost your protection:

Manage alerts and notifications

• Tap More on the home screen
• Select Notifications under Banking
• Open Settings (gear icon)

Activate your Security and Panic Codes

• Tap More and scroll to Manage
• Select Account Security, then Activate
• Choose and confirm both codes

Review your channel limits

• Tap More and scroll to Manage
• Select Channel Limits

Keep tabs on where your card details live

Card details are often saved across apps, websites and digital wallets - and forgotten about. The Discovery Bank app lets you see exactly where your cards are stored and remove access when you no longer need it.

View linked devices and subscriptions

• Tap Cards
• Select the relevant card
• Tap Digital cards
• Choose a wallet or subscription

Track spend by card or device

• Follow the same steps and view transaction history

Set card-specific spend limits

• Tap Cards
• Select a card
• Choose Card limits

Security that evolves with the threat

Discovery Bank continues to invest in security that reflects how fraud really happens - quietly, quickly and often under pressure. By activating and using these tools, you're not just reacting to risk - you're staying ahead of it. That's banking security, geared for 2026.

This article is for information purposes only and should not be taken as financial advice. For personalised guidance, please contact your financial adviser.

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