spot wallet banner

Make group payments with SPOT

Hey Spot fan are you struggling to link your bank card to claim your rewards?

It’s probably because 3D secure isn’t enabled.

Here’s how to do it:


You can call the Absa dedicated 3D secure call centre on 011 354 4058 to activate your card.


Call the Capitec call centre on 0860 10 20 43 or log into the Capitec app on your phone. Here’s the steps on the app:

  1. Choose Cards Sign in with your Remote PIN
  2. Choose the card you want to register
  3. Tap the Register Online Shopping button
  4. Enter your daily limit for online shopping
  5. Accept the agreement
  6. You’ll receive an SMS with an activation code within 9 hours of registering. Do not delete this SMS
  7. Wait 24 hours after you register before activating SecureCode online
  8. Have your activation code, the card you want to activate and ID number ready.


Debit Card activation:

  1. Log into your FNB app (the desktop version is the easiest)
  2. Select the “My Accounts” tab
  3. Select the “My Cards” sub tab
  4. Click on “Activate/Update Now” tab under the “Verified by Visa” sub section
  5. If you haven’t set up OTP’s for your debit card, you’ll be requested to do so now. If you already have OTP’s set up, then please ignore step 5.
  6. You will either be sent an OTP to the cell phone number registered on your FNB account. Or if you have the mobile app, you will be asked to open and confirm the 3D secure request.
  7. That’s it. Your card will now be activated for 3D secure.

Most Credit Cards are automatically 3D secure. If not, then follow the same steps as above.


If your card was issued after 2016 your card is automatically 3D enabled. Activation of 3D secure is completed on the Spot card link step.

An OTP is sent to the cellphone number linked to the card to confirm activation.


You can call the Standard Bank call centre on 0860 12 30 00 to activate your card.

our product range

We have something for all your money needs

Virgin Money Credit Card
credit card

Don’t pay annual credit card fees.

Get the credit card that gives you the best benefits. Everyone wins.

Virgin Money Spot

Send cash to your friends directly from one bank account to another, using your linked card.

Simple. Safe. Social.

Virgin Money personal loans
personal loans

Get an affordable and personalised loan
quickly and easily.

Use our simple online application process.

Virgin Money Credit Score
credit score

Get your free credit score from Virgin Money today.

Review your score, check your credit information and take back control.