Changes to how you log in and use online banking services

Yes. If you use our mobile banking, internet banking, or tablet banking, or our in branch kiosk services, you will have received a letter or email to tell you about this, along with your updated terms and conditions.

Yes, from 14 September 2019, Strong Customer Authentication (SCA) applies. You’ll need to follow the onscreen instructions to be able to access and use your Online Banking services. Every bank in Europe must implement these changes for customers.

Strong Customer Authentication (SCA) applies from 14 September 2019. To use your Online Banking Services you’ll need to have SCA set up. We’ll help you do this by guiding you through the simple steps you need to take on your internet or mobile banking screens.

When the time comes to make the change and you log onto your online banking services, we’ll guide through the simple steps you need to take on your internet or mobile banking screens.

The fastest and easiest way to set up SCA is by downloading the latest version of the App and then follow the prompts on the AIB Mobile App, making sure to allow notifications and that your phone number is correct (so that we can send you a code). This should take less than a minute. Then you'll be all set. This is a seamless option and you will not experience any difference to your log in process.

You have a choice in terms of how you want to set up SCA – you can:
 

A) Download the latest version of the app and choose to use your phone to confirm via a push notification that it’s really you logging into Internet Banking – don’t forget to check that we have your correct phone number. Also remember that you will need your phone to hand, when you are logging into Internet Banking on a browser.
 

B) Alternatively, if you don't want to use the mobile app, you can set up SCA with a Card Reader. You can order a Card Reader free of charge through the 'Services & Settings' section on Online Banking.

C) You can ring our Customer Services team on 0818 724 724 to enquire about setting up SCA via SMS.

The fastest and easiest way to set up SCA is by downloading the latest version of the App and then follow the prompts on the AIB Mobile App, making sure to allow notifications and that your phone number is correct (so that we can send you a code). Alternatively you can choose to set up SCA with a Card Reader.

On September 14th new banking regulation changed how we bank online. These changes help fight fraud and make your online transactions even more secure. There’ll be an extra layer of security added when you use Internet or Mobile Banking.

This is known as Strong Customer Authentication (SCA).

All AIB online customers now have the option to set up Strong Customer Authentication (SCA) via Mobile or Internet Banking. To simplify the set up process customers should check that their mobile phone number details are correct and update them if this is not the case.

Beyond 14 September to ensure customers have time over the coming weeks to adopt this new security they can continue to access Mobile and Internet Banking as usual. Any customers who have not yet set up for SCA will of course continue to benefit from the existing high level of security and customer protections which AIB Mobile Banking, Internet Banking and Tablet Banking currently offers. Those who have set up SCA will benefit from two factor authentication instantly.

In order to ensure minimal customer disruption over the coming weeks we will continue to transition our customers to the new service. This may mean if you do not set up SCA at your next log in, you may be locked out of your accounts.

Unfortunately your Code Card cannot be used for Strong Customer Authentication (SCA). You can use a Card Reader, which is a small hand held device that works with your debit card. You can use your Card Reader to log on and to make certain payments and use certain services. Simply follow the on screen instructions. Your first Card Reader is free. Additional/replacement AIB Card Readers ordered will not incur a fee for a limited period of time.

The app is now available to download from the App store and the Playstore.

To use your Internet Banking after 14 September 2019 you’ll need to have set up for SCA. If you don’t have a mobile phone, you’ll need a Card Reader. You can order a Card Reader from the services and settings in Internet Banking before SCA goes live. Once the SCA screens appear on Internet Banking you can simply choose the Card Reader option to order a Card Reader.
 

If you need a Usability Card Reader device you can order one by calling AIB Phone Banking on 0818 724 724. or +353 1 771 2424 from abroad.

You will need to download the latest version of the Mobile Banking App and follow the onscreen instructions to set up your new phone for Strong Customer Authentication (SCA). In the meantime if you have accessed your online banking using SCA in the last 90 days, you can log into Internet Banking to check balances and recent transactions and make payments to existing beneficiaries (people you pay) and bills.

The first thing you need to do is call our Customer Service team and let them know you have lost your phone. If you have accessed your online banking using SCA in the last 90 days, you can log into Internet Banking to check balances and recent transactions and make payments to existing beneficiaries (people you pay) and bills. You can then download the latest version of the Mobile Banking App and follow the onscreen instructions to set up your replacement phone for Strong Customer Authentication (SCA).

The Activation Code is required to complete setup of your AIB Mobile Banking app. The code may take 3 to 5 business days to arrive. In the meantime you will be blocked from accessing the app. Once the code arrives, enter this into the app to complete setup and get access to your accounts.

If you aren’t receiving these messages, first check that notifications are enabled for both your phone and the AIB mobile banking app and that you have a strong signal or internet connection to receive notifications.

This can be slightly different on each device.

Turning Push Notifications on/off:

Android:

To turn on or disable notifications, go to your phone settings and locate the AIB Mobile App your Apps manager. Note - Notifications are automatically switched on for anyone with AIB Mobile App Version 6 or above.

Apple:

Within the AIB app go to App Settings then select ‘Push notifications’ and select “Ok” in the pop up message that appears.  This turns on app notifications.

If they are turned on, you may not have received the notification due to a network issue. In either case, you will be returned to the login screen where you can try again.
 

If you have a Huawei or Xiaomi device and are still not receiving the notification, go to your phone settings and then select Advanced settings and Battery settings. Then set AIB Mobile as a protected app.
 

Likewise if you have a OnePlus device and are not receiving the notification, go to your phone settings, then Battery and then Battery optimization and then select the AIB Mobile and ensure it is not optimized.
 

If the problem continues, and if you have accessed your online banking with SCA in the last 90 days, you can log into Internet Banking to check recent balances and transactions and make payments to existing beneficiaries (people you pay) and bills.

Yes, these regulations apply to all banks in the EEA (European Economic Area) and/or EU (European Union).

You can only set up SCA with your mobile device with an Irish or UK Mobile Number. However you can still access the AIB Mobile Banking App and set up for SCA with a Card Reader instead.

If you have two devices, you can pair one profile to one device and in this scenario be able to use the Mobile App for each distinct profile
 

1) If you have only one mobile and you need to access both your profiles on the one device, you will need to choose if you are going to set up SCA via the Mobile App for your personal or business profile. For the profile not paired to the Mobile App – you have two alternatives:
 

a) you can choose to set up SCA with a card reader and use the browser on your phone* Or

b) you can ring our Customer Services team on 0818 724 724 to enquire about setting up SCA via SMS.
 

* We appreciate that the ability to only support one account per device is challenging for you. In the meantime rather than needing to use your card reader each time to login, you can use the ‘Limited Access’ functionality ( You will need to log in with a code at least every 90 days) – this allows you to view your accounts, make payments between your accounts and make payments to existing beneficiaries. If you need to access other services e.g. make an international payment or set up a new beneficiary you will need to login in using your card reader.

If you have a personal AIB Visa debit Card and are not registered for AIB Phone & Internet Banking, then there is no difference.

If you have a personal AIB Visa debit Card and are registered for AIB Phone & Internet Banking, then you will need to log in using your Card and PIN (you may already have been doing this, in which case there is no difference).

If you have a business AIB Visa debit Card, you will not be able to log in to Kiosk Banking at the moment, but you could do the following to access your accounts:

• Internet Banking (i.e. use a browser on your desktop or phone)

• Mobile Banking (i.e. use the Mobile App)

• Use our In-Branch phone, with a staff member’s assistance if required

Please note we plan to reinstate the ability to log into AIB Kiosk Banking using your Internet Banking Registration Number and PAC (Personal Access Code) at the earliest opportunity.

Anyone who accesses their bank accounts online must SCA. For your 16 year old, the easiest way to SCA is to have them update their mobile phone number on their online profile, and then simply download the latest version of the mobile app and follow the onscreen instructions.

Your 12 year old can access their Internet banking on via a browser and use a Card Reader to set up SCA.

There may also be instances where children don't have a debit card so won't be able to use a Card Reader.

In these cases if the parent/guardian populates their mobile number in the mobile field of their child's account in Online Banking, they can then receive an SMS on their mobile phone in order for their child to log into Internet Banking. There is no limit on the number of online profiles this can be used for so it will allow more than 2 children's accounts to setup SCA using SMS for login.

Limited Access provides you with the option to log in without two factor authentication (provided you have already set up with SCA) for 90 days. With limited access you can make payments between your accounts, to your beneficiaries and pay your bills, see your account list and view a limited number of transactions. If you need to access other services you will need to log in with your chosen SCA method.

You can see copies of our customer letters below.

Customer Letter Sample A

Customer Letter Sample B

The Payment Services Directive 2 came in to force on 13^th January 2018. The next phase applied from 14^th September 2019. The Regulations will standardise and regulate payment services for both the banks and the new payment service providers known as Third Party Providers (TPPs). This means you can access more products and services to meet your needs.

You can see more about PSD2 on this factsheet and in this short explainer video from the Banking & Payments Federation Ireland. You’ll also find more information in our FAQs below.

The Terms and Conditions for Phone and Internet Banking as of August 2019 are available here.

Unfortunately not. For SCA to work effectively your phone and app are linked together. This is known as paired and only one Mobile App can be paired to your Online profile at one time.

To set up for SCA you will need a mobile phone or have an account which offers a debit card. Alternatively you can you can ring our Customer Services team on 0818 724 724 to enquire about setting up SCA via SMS.

Due to the implementation of an EU Directive called the Payment Services Directive 2 (PSD2) on September 14th, feeds of transactional information from bank accounts into the Xero platform may have changed. Xero have published information on changes affecting Republic of Ireland customers here.

For information on PSD2 changes including a table describing the status of bank feeds and any action required by customers for all UK and Irish Banks please click here.
 

As referenced in the article above another requirement of PSD2 is that banks need to make bank account transactional information available via a technology called Application Programming Interfaces (APIs). The implementation of these APIs is also sometimes referred to as Open Banking. AIB opened our APIs in the UK in January 2018 and in Ireland in November 2018, well in advance of the recent implementation date.