Secure Shopping Online Q&As

Strong Customer Authentication (or SCA) gives greater security when shopping online. Instead of being asked for one identification method like a password, SCA provides more protection as it uses two methods of identification to confirm it’s you. This means when you’re shopping online, we may need to confirm that it’s really you using your card. The easiest way to do this is to use an AIB app.

A secure password and updated personal information helps protect your digital profile with us.

Create a strong password

A strong password helps you:

• Keep your personal information safe
• Protect your banking information
• Prevent someone else from getting into your account

Meet password requirements:

Create your password using 8 characters or more. It can be any combination of letters, numbers, and symbols. Accents and accented characters (e.g á, é etc.) aren't supported.

We accept long passwords.

You cannot use a password that:

• Is particularly weak. Example: "password123"
• A password that has been previously seen in a data breach
• Starts or ends with a blank space

We check for passwords that have been part of data breaches. There are over 600 million of these. This makes them unsuitable for ongoing use as they're at much greater risk of being used to take over your AIB digital profile.

Password tips:

Use a different password for each of your important accounts, like your email and digital profile.

Reusing passwords for important accounts is risky. If someone gets your password for one account, they could access your email, address, others services you subscribe to and possibly AIB services.

Make Your Passwords Long and Memorable:

Long passwords are stronger, so make your password at least 8 characters long. These tips can help you create longer passwords that are easier to remember. Try to use:

• A lyric from a song or poem
• A meaningful quote from a movie or speech
• A passage from a book
• A series of words that are meaningful to you
• An abbreviation: Make a password from the first letter of each word in a sentence
• Avoid choosing passwords that could be guessed by:
• People who know you
• People looking at easily accessible info (like your social media profile)

Avoid Personal Information:

Don’t use personal information. Avoid creating passwords from info that others might know or could easily find out. Examples:

• Your nickname or initials
• The name of your child or pet
• Important birthdays or years
• The name of your street
• Numbers from your address

Consider managing your passwords with a password management tool:

If you have trouble remembering multiple passwords, consider using a trusted password manager. Take some time to research the reviews and reputations of these services.

When online using your card, Visa helps confirm your identity, if requested. After you’ve entered in your card details to pay, a Visa screen may appear and ask you to confirm your transaction by providing some security details. The on screen instructions will tell you what to do.

Personal Customers:

Make sure you have the latest version of the AIB Mobile Banking app, turn on notifications and you’re ready to go.

If you don’t have the AIB Mobile Banking App, you can download it and use your registration number and Personal Access Code (PAC) from Phone & Internet Banking for the app.

And if you’re not registered for AIB Phone & Internet Banking, call 0818 724 020 (+353 1 771 2424 from outside Ireland) to get set up. If this isn’t for you, our team can tell you about other ways you can make your online shopping even more secure.

Business Customers:

For business customers, each person who has a card on the account will need to download, and set up the new AIB Authenticator app. To find out more, click here.

No. You may not be asked to confirm it’s you if the purchase is low value or considered low risk by us.

No, you cannot opt out of this service. 

Your mobile number is unique to you and is used as a method of identification to confirm it’s you.

Personal Customers:

1. You can update it online using phone and internet banking, under 'Settings & Services', and 'My Details'. You will need your card reader for this.
2. If you don’t have Internet Banking, you can do this at your local AIB Branch.  You will need ID to complete this.

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

Business Customers:

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

1. Calling us at (01) 2695022
2. Writing to your local branch

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

1. Calling us at 01 668 5500.
2. Writing to us at: AIB Card Issuing, PO Box 708, Co Dublin.

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

• Check your balance on our banking services

• Check the expiry date on your card.

• Have you set up a way to confirm your purchase online? If not, find out how here.

• If you have been asked to confirm it’s you, have you entered in the information correctly?

• If you have tried the purchase again and your card is still being declined, phone the number on the back of your card to speak to us. The phone lines are available from 09:00 to 17:00, Monday to Friday, excluding bank holidays.

• Where you have given your card details to pay a recurring or variable bill, similar to a direct debit. Examples of these are:
  • your gas bill
  • streaming/TV subscription
  • subscription App
  • gym membership
  • online shopping for groceries
  • additional charges for a hotel payment for example, mini-bar use, breakfast on the morning of check-out

These purchases need to be flagged a certain way so we can process them. It’s an industry regulation and some retailers may not be ready for these changes. If this type of purchase is declined, contact the retailer and ask them if they will accept the payment over the phone. 

• If you were not asked to confirm your online purchase, it could be that the retailer may not be ready for Strong Customer Authentication. Try again and if it is not successful, contact them and ask if they will accept the payment over the phone.

A notification is a message that pops up on a mobile device from the app. It’s an instant way to communicate with you.

You need to turn on notifications so that we can notify you while you are shopping online for you to confirm your purchase.

Switching on Notifications for an AIB app

If you have an iPhone, you can do this by going to Settings, Notifications, and allowing notifications for the AIB app.

If you’ve an Android phone you can do this by allowing notifications for the AIB app in your phone’s settings.

If you aren’t receiving notifications, first check that notifications are enabled for the AIB Mobile app (for personal cardholders) or AIB Authenticator app (for business cardholders).

On the AIB Mobile app you can also confirm your purchase through the app itself. Just log into the app and follow the steps.

Then try some of our troubleshooting suggestions, depending on your smartphone:

• Do-Not-Disturb mode and Power-Save mode are not activated.
• Check that you are connected to the internet and have sufficient data available on your phone.
• OnePlus: select battery optimization then the app and then don't optimize.

If you have a Huawei or Xiaomi device and are not receiving the notification, go to settings, select advanced settings and Battery manager. Then set the AIB app as a protected app. (Differs on each operating system)

1. Go to Settings -> Advanced settings -> Battery manager -> Protected apps, then find the app you want to see notifications from (AIB app), and protect it.
2. Go to Settings -> Apps -> advanced -> Ignore battery optimizations, then find the app (AIB) and ignore it. Ignoring the app actually means to let it run.

For personal cardholders, if you have mobile banking, you will automatically be asked to check the notification in your app each time you shop online. If you can’t use notifications (and you have the password option set up), you must click ‘use text and password for this purchase’ on the ‘Confirm your purchase’ screen to use your password.

To set up a password for online purchases, click here.

If you don't recognise a request you've been sent and suspect that someone is attempting to use your account or card details, you can deny and report this by following the instructions on screen.

If you can no longer see the notification sent by the AIB App on your screen, here’s how to find it:

If you have an iPhone*:

• On the Lock Screen: Swipe up from the middle of the screen.
• On other screens: Swipe down from the top centre.

*for older devices, you may need to unlock the screen first

If you’ve an Android phone*,

• On the Lock Screen: Unlock the screen and swipe down from the top of the screen.
•  On other Screens: Swipe down from the top of the screen.

*This may vary by device.

On the AIB Mobile app you can confirm your purchase through the app itself. Just log into the app and follow the steps.

Yes you can change notifications settings on your phone and make them more visible.

If you have an iPhone, you can change the notification to be persistent. A persistent banner will stay on the screen until you tap it or dismiss it, while a temporary banner will remain for a few seconds then disappear.  

• Go to the Settings app
• From here, tap on Notifications
• Tap on AIB Mobile, (for personal cardholders) or AIB Authenticator (for business cardholders)
• Tap on Banner Style
• Change the Banner Style from Temporary to Persistent
• Within this screen, you also have the option to change how notifications appear. You can tap to display notifications on the lock screen, notification centre and as banners.
• You can also turn on sounds and badges for the app.

Also ensure Notification Delivery is set to Immediate Delivery.

If you’ve an Android phone, this usually works

• Go to the Settings app
• Tap on Notifications
• Tap on Lock screen
• For notifications to appear on the lock screen, go to Notifications and turn notifications on for the app.

 This may vary by device.

Turning on notifications is slightly different on each phone so check you have these turned on. If they are turned on you may not have received the notification due to a network issue. Please try again. To find out how, click here.

Yes. To use your cards for online shopping, you will need to be set up for SCA.

If you have non-Irish or UK Mobile phone number, you can still use the AIB mobile app (for personal cardholders) or AIB Authenticator app (for business cardholders) to authenticate your purchases.

A jailbroken or rooted device is where a device is modified to eliminate security layers designed to protect your personal information and your mobile device. With this security removed from your mobile device, hackers may steal your personal information, damage your device, attack your network, or introduce malware, spyware, or viruses.

Jailbroken or rooted devices are not compatible with the latest version of the AIB Mobile App (for personal cardholders) or AIB Authenticator app (for business cardholders). When the app is installed it performs a series of checks to determine if the device is safe for running the AIB Mobile app (personal) or AIB Authenticator app (business) - if the security checks have not been successful for example a jailbroken or rooted device is identified our app will not run. This security feature is for the protection of our customers and their accounts.

You won’t be able to confirm your purchase using the App if you have a jailbroken or rooted phone Personal Cardholders will need to use the alternative authentication method, Confirm by Password.

Download the AIB Authenticator app     

• If you are registered for our Phone and Internet banking service, you need to use your registration number and personal access code (for your personal or sole trader accounts) to log into the app.   
  • If you have a registration number and personal access code for your limited company accounts, you will not be able to use these details to log into this app.
• If you don’t use AIB Phone and Internet Banking for your personal or sole trader accounts, you need to register through the Authenticator app by using your email.
• If you have already set up your email and password to confirm your personal card purchases, you can log into the Authenticator app using the same email and password and add your Business cards to this app. 

This one app supports all of our AIB Business cards across AIB group.

If you have business cards from only one region of AIB (i.e AIB in Republic of Ireland), select the region your cards are issued from.

If you have cards from different regions, for example you have cards issued from AIB Republic of Ireland and AIB Northern Ireland, you can set your preferred region.  This means that you can authorise all your AIB business cards using the same log in credentials.  If you are using your registration number as your log in, you might have a preference for using your AIB Republic of Ireland registration number over your AIB Northern Ireland one but this one allows you to choose which credentials suit you.

Good news, you don’t. 

If you already have the app for your Business cards from AIB Republic of Ireland, just log in, select AIB in Republic of Ireland as your primary region, and add your AIB Northern Ireland or AIB GB business card.  This means you can authorise all your AIB business cards using the same app and your existing log in credentials. 

You need to delete the app from your phone and download it again. Log back in and you will be asked to select your primary region.

No. If you only have this service for your limited company, you need to click Register on the app to get enrolled. To find out how, click here

1. Log into the App and confirm you have successfully added your card
2. Remove any cards you have added
3. Check your Data Usage and battery settings on your device (outlined below)
4. Add your cards again and follow the steps. We know you've done this before, so we're sorry to have to ask you to do it again.

If you are registered for our Phone and Internet banking service, we ask you to use your registration number and PAC for your personal or sole trader accounts to log into the app, so we know that it’s you.

If you don’t use AIB Phone and Internet Banking for your personal or sole trader accounts, you need to register through the Authenticator app so that we know it’s you using the card.

To retrieve your Phone & Internet Banking registration number, click here.

Apple

• Device running on iOS 13 or above

Android

• Android Device running on version 8.0 (Oreo) or above

Yes, you can add all of your AIB Business Debit & Credit cards to the app.

Yes you can use the same mobile number for personal and business.

Yes, when you receive your new card, add it to the app and remove your old card. 

No, if your card number is the same, then you don’t need to update it to the app.

Yes

If you are having trouble setting up the AIB Authenticator app try some of our troubleshooting suggestions:

Have you tried using our step-by-step guide? Click here

Device tips

• Check that you have the most up to date version of the Authenticator app by going into the app/play store, if there is no update required for the app, you have the correct version.
• Make sure your device has an operating system to support the app
  • Apple

Device running on iOS 13 or above

Android

Android Device running on version 8.0 (Oreo) or above

Log in/Register tips

• If you are logging into the app using your registration number and personal access code, make sure it’s your details for your personal or sole trader accounts.
• If you have a registration number and personal access code for your limited company accounts, you will not be able to use these details for this app. Instead, you will need to use your registration number and personal access code for personal accounts (if you have one) or if not, you will need to register to use the app.
• If you have already set up your email and password to confirm your personal card purchases, you can log into the Authenticator app using the same email and password and add your Business cards to this app.
• If you get the error ‘Looks like a record with the details you provided already exists’
  • Log out of the app and log back in using your registration number and personal access code (for your personal or sole trader accounts), if you have one. or,
  • If you have already set up your email and password to confirm your personal card purchases, you can log into the Authenticator app using the same email and password. 

Manage your profile tips 

• Once you have confirmed your mobile numbers in the “manage my profile” screen, you will see a green tick beside them. To exit this screen, tap close or X (whichever displays for you) on the top left corner of the screen.
•  Check your details on the “manage my profile” are correct. 
  • Log into the app, tap profile on the bottom of the screen
  • You can edit some of your details in the app, you will see an edit button beside the fields you can.
  • If any other details are incorrect and you can’t edit them, please call us on the numbers below

Adding your card tips

• If you get an error message after trying to add your Business credit or debit card, try entering the card number again, as this might be due to an incorrect card number being entered. 
• You cannot add a personal credit or debit card to this app.

Error message

If you get an error and you are unable to add your cards after trying the troubleshooting suggestions please call us on 

01 668 5500 – Business credit card.

01.2695022 – Business debit card.

From time to time, we’ll send a notification through the AIB Authenticator app for you to confirm your purchase. Tap on the notification and follow the on-screen instructions. Finally, return to the online store to finish shopping.

Log into your app on your old phone, 

Go to Settings -> Unregister Device -> Unregister

Download and setup the AIB Authenticator App. And if you change your mobile phone number you also need to update it with us.

You need to use the AIB Authenticator app to confirm your purchases so it’s unlikely that you will be able to shop online without a smart phone, however you can also download it on to a tablet.

While certain transactions might work online, if we need to confirm it’s really you making the purchase, you will need to confirm these purchases using the app.