Yes, if you use AIB (NI) Online Banking or Mobile Banking, you will receive a letter or email to tell you about this, along with changes to our terms and conditions.
Changes to how you login and use Online Services
New regulations relating to payment services come into force on 14 September 2019. This will affect the whole banking industry, and will further protect your online banking and payments.
From August 2019 onwards, when you log in, and make certain online payments, you may be asked for additional security, as well as your current log on details. This extra security layer is to apply what is known as Strong Customer Authentication (SCA). You may have used or seen this on other websites called Two Factor Authentication, and it helps fight fraud by strengthening your existing log on details.
Changes to how you login to Online & Mobile Banking
When we launch this, you’ll need to download the latest version of our Mobile App. You can then set up your mobile phone to complete security for your Mobile Banking and Online Banking logins.
Alternatively, if you do not have a smartphone, you can use a Card Reader to do this.
Don’t worry – this isn’t happening right now. We’re here to help.
When the time comes to make the changes, we’ll guide you through the steps you need to take on your Online or Mobile Banking screens.
Please don’t forget to update your details.
To make this change easier, make sure you have your mobile phone number on your Online Banking profile. Log into your Online Banking, click on “Services & Settings” and select ‘My Details’ to update , or you can call into your local branch with your ID.
Removal of Code Card
From 3 September 2019 you will no longer be able to use a Code Card. If you currently use a Code Card you’ll need a Card Reader instead. You can order a Card Reader through the ‘Services & Settings’ section on Online Banking, or by contacting our Customer Services team on 0345 6460207.
Changes to how you set up new payees through Online & Phoneline Banking
From August 2019 onwards, you will need to use a Card Reader to set up any new payees and bills or to amend any payees you had previously saved, and also to make one-off payments through Online Banking.
Changing your Personal Access Code (PAC)
From August 2019 onwards, if you need to change your PAC, you will only be able to do this on Online Banking, or through Phoneline Banking by selecting the option to speak to one of our Customer Services team.
Changes to Third Party Provider Services
Last year we let you know that you could allow authorised third party providers (TPPs) to access your online accounts. You could either consent to these TPPs by confirming your Online Security Details with us when redirected to our online platform by the TPP, or by sharing your Online Security Details directly with the TPP.
From 14 September 2019 these new regulations mean that TPPs you have shared your Online Security Details directly with will no longer be able to access your accounts. We have updated our Terms and Conditions to reflect that you should no longer share your Online Security Details, and for your own peace of mind you may wish to change your Personal Access Code. TPPs who you have authorised through our online platform can continue to access your accounts in this way.
We’ve also made changes so you can allow a Card Based Payment Instrument Issuer (CBPII) to request information about the availability of funds in your online payment account.
It’s your choice to use these services, and we want to make sure you have the information you need to decide if they are right for you. You can find out more information about Third Party Provider Services here.
Updated Terms and Conditions – effective from 21 August 2019
The changes we are making to our Terms and Conditions are outlined in the summary leaflet which you should have received recently. If you have not already done so, you should take some time to read these, and keep them for future reference. Updated Terms and Conditions reflecting these changes are available online here and in any of our branches, or if you would like to get in touch we will be happy to post a copy to you. If you continue to use your Online Services after these amendments take effect on 21 August 2019, we’ll take it that you have accepted these changes. If you do not want to accept the changes you can contact us to cancel your access to Online Services at any time.
Important fraud and security notification
In any of our email, phone, or text communications we will never ask you for security codes or to transfer money out of your account.
We want to help you understand more about how to protect yourself and your bank accounts from fraud.
Fraudsters might try to get you to share your personal or banking details by pretending to be someone you know or trust - even a member of bank staff. We won’t follow up this letter with a phone call to ask you to do anything, though we may occasionally call you to ask for feedback on our products and services. For more security advice visit our Security Centre.
FAQs about Strong Customer Authentication (SCA)
Does SCA affect me?
Do I have to sign up for SCA?
Yes, from 14 September 2019, Strong Customer Authentication (SCA) Regulations will come in to force. You’ll need to follow the onscreen instructions to be able to access and use your Online Services after this date. Every bank in Europe must implement these changes for customers.
When do I need to sign up for SCA?
Strong Customer Authentication (SCA) comes in to force on 14 September 2019. To use your Online Banking or Mobile Banking you’ll need to have SCA set up. We’ll help you do this by guiding you through the simple steps you need to take on your Online or Mobile Banking screens.
What do I need to do?
When the time comes to make the change and you log onto your Online Services, we’ll guide you through the simple steps you need to take on your Online or Mobile Banking screens.
Why are you making these changes?
We want to protect what’s important to you, so helping you keep your personal details and sensitive banking information safe is our number one priority.
Why are you removing Code Card?
Unfortunately your Code Card cannot be used for Strong Customer Authentication (SCA). You can use a Card Reader, which is a small hand held device that works with your debit card. You can use your Card Reader to log on and to make certain payments and use certain services. Simply follow the on screen instructions.
Can you tell me more about these new regulations?
These new regulations will standardise and regulate payment systems for both the banks and the new payment service providers known as Third Party Providers (TPPs).
How do I order a Card Reader?
Your first Card Reader is free of charge. You can order a Card Reader through the ‘Services & Settings’ section on AIB (NI) Online Banking.
The charge for a replacement Card Reader can be found in our Price list and guide to fees and interest for personal customers and Price list for business customers.
I'd like to view the updated Terms and Conditions