Changes to how you log in and use online banking services

Don't get locked out

 

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).

 

What do I need to do?

 

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.

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You can set up SCA by

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    AIB Mobile App (use this for login to both Mobile and Internet Banking)

    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.

     

    1. Download the latest version of our Mobile App.

    2. Start log in to either Mobile Banking or Internet Banking.

    3. Follow the on screen instructions

     

     

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FAQ's

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    Does SCA affect me?

    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.

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    Do I have to use SCA?

    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.

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    When do I need to set up SCA by?

    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.

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    What do I need to do?

    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.

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    Why are you making these changes?

    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).

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    What happens if I don’t set up SCA up by 14/09?

    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.

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    Why are you removing Code Card?

    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.

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    When will the Mobile app be available to download?

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

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    I don’t have a smartphone – what do I do? How do I get a Card Reader?

    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.

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    What happens if I get a new phone / handset, but I haven’t changed my number?

    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.

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    I had set up my phone for SCA and now I've lost my phone - how do I see my accounts and use my Online Banking Services?

    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).

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    I have requested an Activation Code in the Post – I cannot access the AIB Mobile Banking App.

    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.

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    I haven’t received my SMS code/Push notification – what do I do?

    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.

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    I live abroad, do I still have to do this?

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

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    I have an international phone number, can I set up for SCA?

    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.

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    What is a Jailbroken or Rooted Device?

    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.

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    I’ve lost my letter/email that I received in May

    You can see copies of our customer letters below.

     

    Customer Letter Sample A

    Customer Letter Sample B

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    Can you tell me more about PSD2?

    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.

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    Where can I find out more about the regulation?

    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.

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    I'd like to view the Terms and Conditions

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

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    From 14 September can I use the mobile app on multiple devices?

    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.

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    If I only have a Deposit account / Credit card (and no debit card) and don’t wish to use my mobile phone - what are my options for login?

    To set up for SCA you will need a mobile phone or have an account which offers a debit card.

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Changes to how you share your financial information

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