Prevent fraud before it happens.

NBF introduces CVVkey™, a simple, proven solution to online credit and debit card fraud.

Less than half of payment card transactions are online, yet they account for 83% of credit and debit card fraud. The problem is that anyone who has seen your card can use it online.

Now we can solve that vulnerability. CVVkey™ replaces the 3-digit CVV code on the back of your card with an easy-to-use dynamic CVV code you access with a glance at your phone.

It's easy. Simply download the CVVkey™ app from the App Store or Google Play. Enroll your NBF Debit and/or Credit Card(s) by entering your card number, expiration date, and 3-digit CVV number from the back of your card, and you are ready to use CVVkey™.

How does CVVkey™ work?

CVVkey™ sends a unique 3-digit security code to your smartphone. Whenever the three-digit security code on the back of your card is requested during check out for online purchases, just enter the fresh code from the app on your phone. The app generates a new code every six hours, so if your card is ever stolen, unauthorized purchases will be denied. Your card works the same as always for purchases in stores.

Watch this how-to video to learn more.

Frequently Asked Questions

  • Who makes CVVkey™?

    CVVkey is a product of Keyno, who invented the first dynamic CVV2 ("dCVV2") code technology that works with credit, debit, and prepaid cards to prevent online fraud. The CVVkey service is provided to card-issuing financial institutions in collaboration with Visa.

  • Why should you use it?
    According to fraud analysis, over 90% of online fraud is initiated by gathering information through social engineering, capturing card image and details at point-of-sale machines, ATMs, or during the online shopping process. Even cardholders who never use their cards online are affected. Dynamic CVV prevents fraudsters from using stolen card information online.

  • What else can I get out of the app?
    CVVkey also allows you to control and manage what types of transactions are allowed and what are restricted. You can, for example, restrict all online transactions, or international transactions, or not allow cash withdrawals on credit cards.

  • What are the other features?
    CVVkey gives you the ability to set daily or monthly spending limits. You can unenroll your card anytime; once unenrolled, the static CVV code will apply to all transactions. 

    If you unenroll the card from the CVVkey app, all the settings will be reset to their default values.

Start protecting your card online for free. Search "CVVkey" in your app store to find it. After downloading, log in with the credentials and enroll your card.

If you require assistance, please call 8008NBF(623).


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