There are two versions: the physical little fob (the classic) and the digital version inside the HSBC Mobile App. For this post, we’re focusing on the physical gremlin. You open the envelope from HSBC. Inside is a card with a sticker covering a code, and the device itself. You press the big button. Nothing. The screen is blank.

But once it’s done? That little fob is your best friend. Keep it next to your passport. Don’t lose it. And for the love of finance, if you switch to the Mobile App version, (seriously, HSBC recommends physical destruction).

Here is the no-nonsense, slightly sarcastic guide to getting that little device to actually work. First, a little respect. The Secure Key isn't just a calculator. It’s a two-factor authentication (2FA) device. Even if a hacker in a hoodie steals your password, they can't get into your account without physically holding your key. It’s annoying until you need it, then it’s a fortress.