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3D Secure Technology

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

Thanks to 3D Secure Technology online shopping just became safer so that you are more comfortable to shop 24/7.

First Citizens is the only bank to offer this service in Trinidad and Tobago, going even further to strengthen the security of our Chip and Pin credit cards.

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 launched and customers can quickly and easily register online on a self serve basis.

Visit to register 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, through the quick and easy registration process, key information from you and requires you to create a Personal Phrase and a Password.

It is the additional authentication of this information during an online purchase which further strengthens your online purchase with First Citizens credit cards.

First Citizens Visa and MasterCard credit and prepaid cardholders will 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!


  • Classic Credit Card “Shopping”
  • Card Safety Tips
  • E first
  • Contact Centre
  • Point of Sale Terminal
  • Mobile Banking