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Protected with 3D Secure Technology

Shop Online with Added Security and Confidence, with 3D Secure Technology, only from First Citizens.

First Citizens offers 3D Secure Technology designed to enhance customer experience and strengthen the security of online transactions.

With 3D Secure Technology 2.0 cardholders can look forward to an enhanced online shopping user experience.

Cardholders are automatically enrolled and automatically authenticated when shopping online at 3D Secure Merchants.

The technology is offered on First Citizens VISA and Mastercard credit cards, known as Verified by Visa and Mastercard SecureCode respectively. The service also applies to the First Citizens Prepaid Mastercard.

The Verified by Visa and Mastercard Secure Code services have been upgraded and all cardholders have been automatically enrolled for the service.


3D Secure stands for Three Domain Secure - a unique technology behind the global programs Verified by Visa and Mastercard® SecureCode™ designed to ensure safe online shopping by further authentication of the customer's identity.

Verified by Visa and Mastercard SecureCode captures and trends key information about cardholders during your online shopping.

This information is analysed to further strengthen your online purchase with First Citizens credit cards.

First Citizens Visa and Mastercard credit and prepaid cardholders will not be prompted to register for either the Verified by Visa or Mastercard Secure Code Service prior to completing their purchase at online merchants who subscribe for either the Verified by Visa or Mastercard SecureCode service from their bank.

Visit our Frequently Asked Questions section for answers to all your questions.

Choose to shop online with the added security and confidence that only Verified by Visa or Mastercard SecureCode from First Citizens can bring you!



  • First Citizens Fifty Plus
  • Personal Lending
  • First Citizens Smart Start
  • Visa Classic and Gold
  • Merchant services
  • Mastercard