Changes to how you log into Online & Mobile Banking

Frequently asked questions

• Why are you asking me for five digits of my PAC now when it used to be three?

  We are putting extra layers of security into our systems. Depending on how you access your accounts, we may ask you to authorise your login by responding to a push message we send you, or to authorise your login or payments using code from your Card Reader.  This is in addition to giving us three digits from your PAC (Personal Access Code). We have also paired your mobile device to your profile, making logging into mobile banking easier and more secure. These are parts of a multi layered security approach.

  As part of these improvements, we are now asking you to enter all five digits of your PAC when you log into our Online Banking and Mobile App. In the past we said we would not ask for all five digits, but we have now decided that it is the easiest way for you to log in with these extra layers of security.
  As with your PIN, you should always keep your PAC secure and never share it with anyone. We will never contact you by email, text or phone asking for your PAC.

• Was my information secure when you used to ask me for three random digits of my PAC?

  Yes, your information was secure when we were asking for only three random digits from your PAC. We're now enhancing our security technology in advance of the introduction of additional SCA (Strong customer authentication) for online card purchases in 2021. As part of this we will ask you for all five digits of your PAC.

• Will I be able to see the digits of my PAC when I enter them?

  No, for extra security you won't see the digits as you type them, they will appear as a dot, so nobody else can see them.

• Do you ever ask for login details?

  We will never email, text or phone you asking for your PAC. We will never send you an email or text message with a link asking you to input your login details

• Is there any further information available on Fraud?

  Yes please visit our Security Centre for further information. You will also find useful information on the Take Five and ScamwiseNI websites.