Changes to how you use your AIB cards online

We’re making online purchases more secure

 

We’re adding an extra layer of security known as Strong Customer Authentication (SCA). These changes will help fight fraud and make your online transactions more secure.

 

When using your card to purchase online in the future, we may ask you to authenticate a card transaction. We will write to you as these changes happen.

 

What do I need to do now?

 

To help protect your card against unauthorised use, we need to make sure we have the right mobile phone number for you. Your mobile phone number is needed for the SCA solution when it is available.

 

If you have an AIB Business Debit Card you can update your mobile number by:

 

  • Calling us at (01) 2695022

     

  • Writing to your local branch

     

If you have an AIB Corporate, Business or Purchasing Card you can update your mobile number by:

 

  • Calling us at (01) 6685500

     

  • Writing to us at: AIB Card Issuing, PO Box 708, Dublin 18.

 

Please let all additional cardholders know they need to do this too.

 

We will write to you closer to the time to tell you how you can authenticate your card when you use it online.

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FAQ's

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    Does SCA affect me?

    Yes. We are now introducing SCA for business debit and corporate credit cards when you shop online. This is to increase the security of your transactions. We are changing our terms and conditions for this and we will notify you of the changes.

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    Do I have to use SCA?

    Yes. SCA is already required for online banking users and is being introduced for online transactions with your debit or credit card. We will write to you and tell you what you have to do.

     

    Every bank in Europe must implement these changes for customers.

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    What do I need to do?

    We're asking customers to consider the following:


    Do we have the right mobile number for you?

     

    If you have an AIB business debit card you can update your mobile number by calling us at 01 2695022. You can also update your mobile number by writing to your local branch.


    If you have an AIB Corporate, Business, or Purchasing Card you can update your mobile by:

     

    • Calling us at (01) 6685500.

       

    • Writing to us at: AIB Card Issuing, PO Box 708, Dublin 18.  

       

    Please let all additional cardholders know they need to do this too.

     

    We will write to you closer to the time to tell you how you can authenticate your card when you use it online.

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    I manage our company's AIB Corporate credit cards – what action do these cardholders need to take?

    We need to ensure we have a mobile number for all cardholders so that they can continue to use their cards online.

     

    They can update their mobile number by:

     

    • Calling us at (01) 6685500.

       

    • Writing to us at: AIB Card Issuing, PO Box 708, Dublin 18. 

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    Can I opt out of this service?

    You cannot opt out of this service. Under Payment Services Directive (PSD2) regulations we have to provide Strong Customer Authentication for certain online transactions.

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    Why do you need my mobile number?

    Your mobile number is unique and so it is the easiest way to get ready for SCA.

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    Why are you making these changes?

    PSD2 changed how we bank online and introduced (SCA) to make transactions more secure. 

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    I live abroad, do I still have to do this?

    Yes. To ensure you can continue to use your card(s) for transactions in the EU or access your accounts online, you will need to be set up for SCA.

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    Can you tell me more about PSD2?

    The second Payment Services Directive (PSD2) deals with electronic payments and payment services.  It affects the whole banking industry through the introduction of Strong Customer Authentication (SCA) and new third party payment service providers known as TPPS.  SCA is intended to make payments more secure and TPPs will be able to offer you a range of new payment services.

    You can learn more about PSD2 from the Banking & Payments Federation Ireland here

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