Visa Secure FAQ’s

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    What is Visa Secure?

    Visa Secure (formerly known as Verified by Visa) helps confirm your identity, if requested, when shopping online using your card.

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    How does Visa Secure work?

    When you’re shopping online after you’ve entered in your card details to pay, a Visa screen may appear to ask you to confirm your transaction. The on screen instructions will tell you what to do next.

    Up to now, this was done just by sending you a text with a one-time passcode.

    However, over the next coming months, we will start to introduce new ways to confirm it’s you, such as using an app or using a password for online purchases along with a one-time passcode.

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    Do I need to register my card for use on Visa Secure?

    No, you don’t need to register for Visa Secure, your card is automatically registered.

    During 2021, we are making changes to how you shop online to make it even more secure and we may need you to register for an authentication service. To find out more click here

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    How to confirm your purchases for personal cardholders?

    There will be two ways for you to confirm your online purchase:

    1. Using our AIB Mobile Banking App – this is the easiest way to do it
    2. Setting up a new a password for online purchases to be used alongside a onetime passcode we text to you. 

     

    AIB Mobile Banking App

    With the AIB Mobile Banking app you can confirm it’s really you making the purchase with a few taps. It’s easy and secure.

    To use AIB Mobile Banking, you'll need to be registered for AIB Phone & Internet Banking.

    Click here to find out more.

    Password for online purchases

    If you do not have the AIB Mobile Banking app you’ll need to set up a password for online purchases to be used along with a one-time passcode we text to you.

    Click here to find out more

    These changes will happen over the next few months. For a short time, you may still be asked to confirm it’s you by using a one-time passcode for some of your cards until SCA is introduced for all of our cards.

    If you are asked to confirm a purchase, the information on the screen will prompt you on what to do.

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    How to confirm your purchases for business cardholders?

    For business customers, each person who has a card on the account will need to download a new app.

    We will tell you more about the app when it is available.

    For now, if we need to confirm it’s you, we’ll continue to send you a one-time passcode by text message and you must enter this code to complete your online purchase.

    To find out how to get ready for this change please click here for more information

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    How do I update my mobile phone number with 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:

     

    • 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, Co Dublin.

     

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

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    How will I know the text is from AIB?

    The sender ID on the text message will be AIB and we will provide the one time passcode as part of our message. 

     

    Fraudsters target customers by sending text messages claiming to be AIB and/or other legitimate companies. These messages request you to click a link to review or block a fraudulent transaction on your account, or advise that you are locked out of your account. You may also be asked to input codes from your Card Reader or divulge a One Time Passcode (OTP).

     

    These text messages are fraudulent.

     

    • NEVER disclose your Registration Number or Personal Access Code (PAC) or card information after clicking a link on a text.
    • NEVER generate codes from your AIB Card Reader when they are requested by a text message.
    • NEVER divulge your One Time Passcode (OTP) for Card transactions.
    • NEVER post your card to an address which is provided to you in a text message.

     

    If you have received such a call or text message and have disclosed any information, please contact us immediately.

     

    For additional hints and tips on how to Be Informed, Be Alert and Be Secure, visit FraudSMART.ie

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    How long does the one time passcode last for?

    It’s valid for 5 minutes only.

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    What if I did not receive my one time passcode or it’s blocked?

    If you did not receive your one time passcode, click on the “send new one time passcode” link on the page and a new one will be sent to your phone.

     

    If you still did not receive a code after trying this or if your one time passcode was blocked please contact us at 01 6685500 for credit cardholders and 01 2695022 for debit cardholders.

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    Can I opt out of Visa Secure?

    No you cannot opt out of this service.

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    Is there a cost for text messages?

    Receiving a text from us will cost you whatever your mobile phone operator charges you for receiving a text.

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