Changes to how you log into Online Banking Services

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Why are you asking me for five digits of my PAC now when it used to be three?

We are putting extra layers of security into our systems. Up to this we asked you to respond to a push message we sent you, use a card reader for payments, as well as giving us three digits from your PAC (Personal Access Code). We have also paired your mobile device to your profile, making logging into mobile banking easier and more secure. These are parts of a multi layered security approach.

As part of these improvements, we are now asking you to enter all five digits of your PAC when you log into our channels. In the past we said we would not ask for all five digits, but we have now decided that it is the easiest way for you to log in with these extra layers of security.

As with your PIN, you should always keep your PAC secure and never share it with anyone. We will never contact you by email, text or phone asking for your PAC.

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Was my information secure when you used to ask me for three random digits of my PAC?

Yes, your information was secure when we were asking for only three random digits from your PAC. We're now enhancing our security technology in advance of the introduction of additional SCA (Strong customer authentication) in 2021. As part of this we will ask you for all five digits of your PAC.

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Why do my internet banking / mobile screens look different?

As part of improving security, we have changed the design of the login screen.

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Will I be able to see the digits of my PAC when I enter them?

No, for extra security you won't see the digits as you type them, they will appear as a dot, so nobody else can see them.

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Do you ever ask for login details?

We will never email, text or phone you asking for your PAC. We will never send you an email or text message with a link asking you to input your login details

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Is there any further information available on Fraud?

Yes please visit FraudSMART.ie for further info.

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