How Do You Prevent Fraud

Click on the headings below to find out how you can prevent fraud

• Using Third Party Provider (TPP) Services
  AIB advise that you should never disclose your Online Banking Registration Number or Personal Access Code (PAC) to anyone.

   

  As an exception, with the introduction of PSD2 you may choose to consent to appropriately registered or authorised third party providers (TPPs) accessing your account online (for example, to make payments or to obtain information about balances or transactions on your account).

   

  TPPs might ask you for your AIB Online Banking log-in details to provide their service to you in accordance with PSD2. If you decide to give them these, you should note that they will have the same access to accounts and information on AIB Online Banking as you.

   

  If you do choose to share your login details with a TPP, you should ensure you safeguard the security of your online account by:

  • Checking that the TPP is appropriately authorised or registered with the Central Bank of Ireland
  • Ensuring that it is a legitimate site – look for the security padlock icon in the address bar and check to see it has ‘https’ as part of the address
  • Being data savvy - make sure you understand and agree with what access you are granting to your account, how the account information will be used and who it may be passed to
  • To prevent the TPP accessing your accounts and information in future you will have to change your PAC

   

  If you consent to a TPP accessing your account online that is not appropriately registered or authorised we may not be liable for any loss you suffer as a result.
  

   

  If you have concerns of fraud you can call a Customer Service Advisor on 0818 724 724 or +353 1 77 12 424 if outside Ireland.
• FraudSMART - Play your PART

  FraudSMART - Play your PART

  Fraud can happen to anyone, at any time, and it can have serious consequences.

   

  For hints and tips on how to Be Informed, Be Alert and Be Secure, visit FraudSMART.ie.
• Keeping your Phone & Tablet Secure
  We will do our best to keep you secure, but there are some recommendations that we have when you are using Online Banking on your mobile.

  • Since September 2019, you cannot use AIB Mobile or Tablet Banking apps on any phone or tablet that has been jailbroken* (Apple products) or ‘rooted*’ (Android products), as the app will not work on such devices for security reasons.
  • We also recommend that you only install apps from the Apple App Store or Google Play Store, and not from third-party services or websites. Apps from ‘unofficial’ sources may be insecure or may come bundled with malware designed to gather personal data.

   

  *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.
   

  Jailbroken or rooted devices are not compatible with the latest version of the AIB Mobile App. When the app is installed, it performs a series of checks to determine if the device is safe for running the AIB Mobile app. If the security checks have not been successful; for example, a jailbroken or rooted device is identified, our app will not run.  This security feature is for the protection of our customers and their accounts.

   

  However, you do  have the option to access your online account through Internet Banking on a browser using one of the following methods to set up for SCA:

  1. Use a Card Reader with your debit card, or
  2. Use One Time Passcodes sent by SMS.
• Anti-Virus Software
  Anti-virus software protects your Device. It works by matching suspicious files on your computer against a database of known malicious code. Most anti-virus products will clear this malicious software from your computer.

   

  If your computer is infected with a virus, anti-virus software should alert you to the infection. It's important to regularly update your anti-virus software and be aware of all new fraud developments and threats.
  
• Updating Your Operating System
  It is important that you keep your software up-to-date. New ways to attack device are being developed daily by criminals. Software providers are constantly monitoring these new potential threats to their products. As such, they release regular updates to their products to counter any new security threat to their software. By keeping software up-to-date, you lower the potential risk faced from criminal attacks.
• Use a Firewall
  A firewall is a program or hardware device that filters the information coming through the Internet connection into your PC.

   

  You can get further protection against harmful codes by using firewall software that prevents unauthorised access when you're on the Internet.

   

  Some operating systems come with a firewall built in. Otherwise, a software firewall can be installed on the computer in your home that has an Internet connection.