Yes. If you use our mobile, internet or tablet banking, or our in-branch kiosk services, you will already be familiar with SCA. We are now introducing SCA for debit and credit cards when you shop online. This is to increase the security of your transactions and will be reflected in new terms and conditions that we will send you over the coming months.
We’re making shopping online more secure
We’re adding an extra layer of security known as Strong Customer Authentication (SCA). These changes will help fight fraud and make your online transactions with your AIB card more secure.
When you’re shopping online, you’ll have to confirm that it is you using your card. We’ll send you a message through the AIB app and ask you to confirm the transaction. If you’re not able to use the app, we’ll send you a text message with a one-time passcode. It’s similar to what we sometimes ask you to do when using our online services.
What do I need to do?
To continue to shop online with your card securely you need to:
Make sure we have the right mobile number for you
Register for Phone and Internet banking (if you haven’t already) – 0818 724 020 / +353 1 771 2424, select option 5
Download the latest version of the AIB mobile app
If you are registered for internet banking, you can update your mobile number by logging into your Internet Banking, clicking on ‘Services & Settings’ and selecting ‘My Details’. You will need your card reader for this.
How does SCA work?
SCA uses two factor authentication. This is a secure, digital way to confirm it’s you using the card online. It asks you for two of the following pieces of information that you set up in advance:
Knowledge - something you know (for example personal access code (PAC), password)
Possession – something you have (for example a phone / app, code)
Inherence – something you are (for example fingerprint, face recognition)
Using our app to complete SCA in this way is the best way to make shopping online much more secure and reduce fraud.
In some cases, where websites are not yet set up for SCA, we will have to decline online purchases over a certain amount. You may not be able to shop online on certain websites if they are not yet ready for SCA. More details can be found on the Banking and Payments Federation Ireland (BPFI) website: www.mypsd2.ie.
Do I have to use SCA?
Yes. SCA is already required for online banking users and is being introduced for online transactions with your debit or credit card. We will write to you and tell you what you have to do.
Every bank in Europe must implement these changes for customers.
What do I need to do?
We're asking customers:
1. Do we have the right mobile number for you? 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. Do we have the right mobile phone number for anyone with an additional card (authorised user) on your account? They can update their mobile phone number by registering for phone and internet banking if they want to use Phone and Internet Banking by calling us at 1890 724 020. They can also do this at their local branch, with ID.
3. Do you have the latest version of our mobile app? You can check if there is an updated version in the App Store or the Play Store. You can then use your mobile phone to complete the security steps for your online purchases. The AIB Mobile app is the best way to authorise these purchases. To download the AIB Mobile app you must be registered for Phone and Internet Banking. You can register for Phone and Internet Banking by calling 1890 724 020.
Can I opt out of this service?
You cannot opt out of this service. Under Payment Services Directive regulations we have to provide SCA for certain online transactions.
Why do you need my mobile number?
Your mobile number is unique and so it is the easiest way to get ready for SCA. Having this, along with the mobile app is the smoothest way to authenticate card transactions when shopping online.
When do I need to set up SCA by?
Since 14 September 2019, SCA has been in use in order to use our online banking services. Over the coming months, it will also be required for online shopping. We will write to you about this – ideally you should act as soon as possible so that you won’t be affected when you shop with your card online.
I only use Internet Banking to do my banking – how do I get ready for changes to shopping online with my card?
The fastest and easiest way to set up SCA for online purchases is by using the AIB Mobile app. If you use Internet Banking, you can download the AIB Mobile app on your mobile and use it to authenticate online card transactions.
If you'd prefer not to use the app we would ask that you ensure your mobile number is up to date, so that we can send you a text message with a code to authenticate your transactions when shopping online.
My mobile phone is not a smartphone – what do I do?
If you don’t have a smartphone we will still need your mobile number so that we can text you a code to authenticate your transactions when shopping online.
I do not have a mobile phone, will I still be able shop online?
As time goes on, it is unlikely that we will be able to make sure it is you shopping online without using a mobile phone.
While certain transactions might work online for you, many will be subject to SCA. You will need to authenticate this transaction using our mobile app or by entering a code we send you by text.
What happens if I get a new phone?
If you change your mobile phone you will need to download the AIB Mobile app again set up your new phone for SCA. If you also change your mobile number you need to update it online.
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 mobile or internet banking using SCA in the last 90 days, you can log back in under limited access and check balances, recent transactions and make payments.
I haven’t received the Push notification to ask me to confirm the transaction – what do I do?
Turning on push notifications is slightly different on each phone so check you have these turned on. If they are turned on you may not have received the notification due to a network issue. Please try again.
I live abroad, do I still have to do this?
Yes. To ensure you can continue to use your cards for transactions in the EU or access your accounts online, you will need to be set up for SCA.
I have an international phone number, can I use SCA for card transactions?
If you have non-Irish or UK Mobile phone number, you can still use the AIB mobile app to authenticate your transactions online.
What is a jailbroken or rooted phone?
A jailbroken or rooted device is where a phone’s security is removed. When this happens hackers may steal your personal information, damage your device, attack your network, or introduce malware, spyware, or viruses. You cannot use the AIB Mobile app on jailbroken or rooted devices for security reasons. You can use AIB Internet Banking as an alternative.
Can you tell me more about PSD2?
The second Payment Services Directive (PSD2) deals with electronic payments and payment services. It affects the whole banking industry through the introduction of Strong Customer Authentication (SCA) and new third party payment service providers known as TPPS. SCA is intended to make payments more secure and TPPs will be able to offer you a range of new payment services.
You can learn about PSD2 from the Banking & Payments Federation Ireland here.