On September 14th regulation will change how we bank online. These changes help fight fraud and make your online transactions even more secure.
In advance of this date there’ll be an extra layer of security added when you use Internet or Mobile Banking. This is known as Strong Customer Authentication (SCA).
To get ready for SCA;
Download the latest version of our Mobile Banking App.
Make sure we have your correct mobile number
We need to make sure it’s you accessing your online accounts.
You can update your mobile number by logging into your Internet Banking, click on ‘Services & Settings’ and select ‘My Details’ or you can call into your local branch with your ID.
You can use the latest version of our AIB Mobile Banking App to login, regardless of whether you want to log in via the Mobile App or via Internet Banking. Remember, if you’re logging into Internet Banking on a PC, you’ll need to have your mobile phone with you to logon everytime.
Download the latest version of our Mobile App.
Start log in to either Mobile Banking or Internet Banking.
Follow the on screen instructions
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) will apply. In advance of this date we are making changes to get ready. When these changes are made, 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. In advance of this date, we are making changes to get ready. 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.
On September 14th new banking regulation will change how we bank online. These changes help fight fraud and make your online transactions even more secure. To get ready for this, there’ll be an extra layer of security added when you use Internet or Mobile Banking.
This is known as Strong Customer Authentication (SCA).
From the 14 September all AIB online customers will 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. Those who have set up SCA will benefit from the additional security instantly. In order to ensure minimal customer disruption, after 14 September customers can still access Mobile and Internet Banking as usual and over the coming weeks we will continue to transition all customers to the new service.
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. For a limited period of time subsequent Card Readers will not incur a fee.
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 simplecan choose the Card Reader option to order a Card Reader.
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.
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.
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 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.
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. The AIB Mobile Banking App will not work on such devices for security reasons.
The Payment Services Directive 2 came in to force on 13th January 2018. The next phase applies from 14th 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.
These new regulations and extra security measures are being introduced to enhance your online banking experience. You may have heard the term ‘Open Banking’, this is a new and evolving industry-wide initiative to give you more control over your finances.
Open Banking gives you the option to securely share your online payment account information and/or make payments directly from your online payment account with authorised or registered parties you trust known as third party providers (TPPs).
We’ve developed our online banking systems so you can now make direct payments and share your online payment account information, including balances and transactions, using TPPs to whom you have given consent. It’s your choice whether or not to use TPPs, and we want to make sure you have the information you need to decide if it’s right for you. You can find more information here
