These types of cookies are essential for the security and proper performance of our website and/or the provision of a product or service you have requested. Dropping these cookies do not require your consent. Without these cookies, we will not be able to offer a functional website and provide you with the products or services you may request.

Although you can configure your browser to block these cookies or to alert you accordingly, disabling them may cause parts of our website to not work.

These cookies are used to:

• allow us to confirm that you are logged in to secure areas of our website;
  
  
• ensure the security of our website, including, in specific cases, to protect it against online fraud, malicious bots and other automated attacks, for example by limiting robotic access attempts. To this end, we ensure that the traffic comes from a human and not a robot by analysing, for example, the user’s behaviour against predetermined patterns to identify possible fraudulent activity;
  
  
• help you navigate between pages and maintain your session;
  
  
• distribute traffic properly to ensure adequate website connectivity and performance, preserve the integrity of traffic on our website (by preventing/detecting data corruption, for example) and block any malicious users;
  
  
• record and respect your preferences regarding our use of cookies on your device;
  
  
• help us detect fraud crime when you open a new account with us online by analysing your interaction (mouse movements and keys pressed) with our new accounts webpage;
  
  
• enable the use of interactive services such as Webchat, if you have requested it.

Our suppliers include :

• InAuth
  
  
• Akamai
  
  
• F5
  
  
• Eightfold
  
  
• Oracle Taleo
  
  
• BioCatch

The following categories of cookies (Sections 2, 3 and 4) will be blocked if you choose to decline cookies on our website (see the section “Changing cookie preferences on our website”).

These cookies remember you so that we can improve and personalise your visit to our website. Without these cookies, we cannot remember your previous settings or personalise your experience on our website. These cookies can also be used for credit risk management purposes.

These cookies are used to:

• remember your user preferences, such as your preferred language;
  
  
• remember your accessibility choices, such as font size;
   
• remember your username if you have logged in to your online account in the past;
  
  
• facilitate content dissemination on our website;
  
  
• manage credit risk, including to review and make a decision on each request you submit via digital channels, and to develop and adjust our risk management policies, models and procedures related to card applications and the management of customer accounts;
  
  
• provide you with or facilitate the use of interactive services such as Webchat (on our travel and lifestyle service webpages and our corporate programme webpages only).

Our suppliers include :

• Qualtrics
  
  
• Eloqua
  
  
• Live Person
  
  
• Eightfold
  
  
• Oracle Taleo
  
  
• Adobe
  
  
• YouTube

We use these cookies to understand how you and other visitors use our website in order to assess its performance, optimise your digital experience and make improvements.

These cookies are used to:

• understand which browser visitors use, what pages are most and least visited and the number of new visitors to our website over a given period of time;
  
  
• understand how you arrived at our website, including the third-party application or website that led you to us, and the number of repeat users;
  
  
• understand user behaviour on our website in order to improve the digital experience and solve problems more effectively (for example, by looking at how visitors use and navigate our website and how these actions affect website performance);
  
  
• test different versions of the same web page in order to provide the best customer experience to our users;
  
  
• identify performance errors/issues and improve the performance of our website;
  
  
• improve the products and services we provide.

Our suppliers include :

• Adobe Analytics (Adobe)
  
  
• Contentsquare (Clicktale)
  
  
• Dynatrace
  
  
• Acoustic Tealeaf
  
  

We and our partners use marketing and social media cookies (also known as advertising cookies) to provide visitors with more relevant ads tailored to their interests. These cookies track your browsing on our website and other websites, collect information about your habits and preferences and are used to understand your interests better based on past or current browsing activities.

Marketing Cookies

Marketing cookies are used for the following purposes:
 

• Advertising targeting and “retargeting”: These cookies help us to display ads that are relevant to you (including on third-party websites such as social media). This personalisation is based on your past browsing. For example, if you have visited specific product pages on our website, you may see ads for those products on other websites you visit.
  
  
• Analysing advertising performance: We use cookies to assess the performance of our advertising campaigns and calculate our partners’ remuneration. This includes calculating the number of times an ad has been viewed or clicked on, and whether it has led to an action by the user, such as visiting a product page or applying for a card. Their aim is also to limit the frequency of dissemination (i.e. limit the number of times you see an ad).
  
  
• Personalisation: Cookies help us personalise content or search results as well as advertising messages according to your specific interests and needs.

Third-party partners

We work with third-party suppliers and advertising partners, who may also place cookies on your device to provide you with personalised ads during your web browsing. These third-party cookies also collect information about your online activities and combine the data with other information they may have collected about you to display more targeted ads, in compliance with industry standards. These partners also give you the option to refuse targeted advertising.

Our advertising partners and suppliers are as follows:

• Adobe Analytics (used to measure the success of our advertising campaigns only where you have consented to marketing cookies)
• Amazon
• Facebook
• X (formerly Twitter)
• LinkedIn
• YouTube
• Google/DoubleClick (Google Ads)
• Havas People
• Pinterest
• Quantcast
• Seedtag
• Sizmek/Amazon Ad-Server
• Xandr/Microsoft Advertising
• Yahoo
• Adot
• Sojern
• Exactag Tracking
• Adara media
• Bing
• Oracle
• Rezync

Social media cookies

These cookies are placed by third-party social media platforms to link up and integrate with our website. They can be installed through plug-ins or sharing buttons on the social media platform. We do not allow these third-party platforms to place these cookies on the career and job offer pages of our website.

These cookies are used as follows:

• for advertising purposes;
• to allow you to see videos embedded on our website;
• to allow you to share information with social media platforms;
• to allow you to interact with content published on social media.

Our partners are as follows:

• Facebook
• LinkedIn
• YouTube
• X (formerly Twitter)