Internet Banking Security Centre

How Do You Prevent Fraud

At AIB, First Trust and Allied Irish Bank (GB), we understand how important the security and confidentiality of your information is to you.

 

Click on the headings below to find out how you can protect.

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    Using Third Party Provider (TPP) Services

    AIB advise that you should never disclose your Internet 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 Internet 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 Internet 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.

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    FraudSMART - Your money Your control

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

     

    A campaign was launched to help raise awareness and combat incidents of fraud as part of the Financial Fraud Awareness Week, which ran from 9th to 15th October 2017.

     

    This initiative is led by the Banking Payments Federation of Ireland (BPFI) and supported by the banking sector. As part of the campaign, research was carried out by the BPFI of which some key findings included:

     

    • 79% of Irish adults have experienced some form of financial fraud, with the most common type being email scams (61%).

    • Nearly half (46%) know someone who has been affected by financial fraud

    • 4 in 10 people are concerned about financial fraud in their everyday lives

    • Common types of scams experienced by people are phone scams (39%), text or SMS scams (37%) and online scams (31%)

     

    The BPFI have developed and launched a one stop shop website, FraudSMART.ie, to educate, inform and keep current fraud information easily accessible, so that both businesses and consumers can prevent and protect against falling victim to scams”.

     

    For more information, visit FraudSMART.ie. 

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    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.
     

    • We recommend that you should not install AIB Mobile or Tablet Banking apps on any phone or tablet that has been jailbroken* (Apple products) or ‘rooted*’ (Android products).  We cannot guarantee that your security will be intact when using devices that have been modified like this

    • 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 one which has had its operating system (e.g. iOS or Android) modified with specialised software, usually to allow the installation of applications from unofficial app stores. This can weaken built-in security features and leave your device open to malware.’

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    Anti-Virus Software

    Anti-virus software protects your computer. It works by matching suspicious files on your computer against a database of known malicious code. In this regard, it is vital that you keep your anti-virus software up-to-date. 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.

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    Updating Your Operating System

    It is important that you keep your software up-to-date. New ways to attack computers 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.

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    Use a Firewall

    You can get further protection against harmful codes by using firewall software that prevents unauthorised access when you're on the Internet. A firewall is a program or hardware device that filters the information coming through the Internet connection into your PC.
     

    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.

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To counteract the threats posed by external fraudsters, the bank advises that you also keep in mind the points below which will help increase the security of your PC and personal information

 

  • DO keep your anti-virus software up-to-date

  • DON’T disclose codes from your AIB Card Reader or your Code Card OR the full five digits of your Personal Access Code (PAC).

  • DO keep your operating system up-to-date

  • DON'T open e-mail attachments from people you don't know.

  • DO keep your browser up-to-date

  • DON'T open e-mail attachments from people you know unless you know what's in the attachment

  • DO install a personal firewall on your computer

  • DON'T share your passwords with anyone

  • DO make sure that, if you're sending sensitive personal information, your connection is secure. A closed padlock icon appears on the status bar and the URL will start with https:// rather than http://

  • DON'T click on links sent in a text message.

  • DO make sure the security settings on your Web browser are at an adequate standard

  • DON’T click on a link or open an attachment to log in to AIB Internet, Mobile or Tablet Banking, as these can lead to fraudulent sites.

  • DO use secure passwords to protect access to your system. Passwords should be changed regularly

  • DON’T use a computer that you do not trust to log in to your Internet Banking.

  • DO frequently make and check back-up copies of your data and store them in a safe place.

  • DON’T let any other people store their fingerprint on your phone. If you enable Touch ID login on the AIB Mobile app, any fingerprints registered in your phone settings will be able to log in to your app.

 
  • AVOID logging into your AIB account over unsecured public Wi-Fi networks. This is considered best practice when carrying out sensitive tasks such as online banking or shopping.