Changes to using your card online

When you’re shopping online, we may need to confirm that it’s really you using your card. This is to keep your card secure. Up to now, this was done just by sending you a text with a one-time passcode.

However, over the next coming months, we will start to introduce new ways to confirm it’s you, such as using an app or using a password for online purchases along with a one-time passcode.

We are adding an extra layer of security called Strong Customer Authentication (SCA for short) making online shopping even more secure. 

When you’re shopping online after you’ve entered in your card details to pay, a Visa screen may appear to ask you to confirm your transaction. The on screen instructions will tell you what to do next.

Personal Cardholders

Personal Cardholders

Business Cardholders

Business Cardholders

Personal cardholders


How to confirm your purchases

When we introduce SCA, there will be two ways for you to confirm your online purchase:

  1. Using our AIB Mobile Banking App – this is the easiest way to do it
  2. Setting up a new a password for online purchases to be used alongside a onetime passcode we text to you. 

Here’s more about how to set them up:

AIB Mobile Banking app

With the AIB Mobile Banking app you can confirm it’s really you making the purchase with a few taps. It’s easy and secure.

To use AIB Mobile Banking, you'll need to be registered for AIB Phone & Internet Banking, have the latest version of the app and have notifications turned on.  Find out more in the how to get ready section below. 

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AIB Mobile Banking App

Click here to find out more.

Password for online purchases

If you do not have the AIB Mobile Banking app you’ll need to set up a password for online purchases to be used along with a one-time passcode we’ll send you by text message. 

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Password for online purchases

Click here to find out more.

These changes will happen over the next few months. For a short time, you may still be asked to confirm it’s you by using a one-time passcode for some of your cards until SCA is introduced for all of our cards.

If you are asked to confirm a purchase, the information on the screen will prompt you on what to do.

How to get ready

Business cardholders


How to confirm your purchases

For business customers, each person who has a card on the account will need to download a new app.

We will tell you more about the app when it is available.

For now, if we need to confirm it’s you, we’ll continue to send you a one-time passcode by text message and you must enter this code to complete your online purchase.



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Business Cardholders

To find out how to get ready for this change, please click here for more information.