Does my card-reader need to be activated before I can use it?

Yes - before you can use your card-reader you will need to enable it.

First you will need to pull out the plastic tab that protects the batteries, then -

1. Log in to Online Banking at www.onlinebanking.natwestinternational.com (opens in a new window)
2. Select 'Security' from the main menu
3. From the 'Using a card-reader' section select 'Enable a card-reader' and follow the on screen instructions

For further information on using a card-reader please see Do you have a card-reader?.