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

We have introduced 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.

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.

With just a few taps, the AIB (NI) Mobile Banking App is the easiest way to confirm it’s really you making a purchase.

Personal Cardholders

AIB (NI) Mobile Banking App

With the AIB (NI) 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 (NI) Mobile Banking App, you'll need to be registered for Online and Phoneline Banking

Find out more here

This service requires push notifications

Password for online purchases

For the smoothest journey, download the AIB (NI) Mobile Banking App but if you prefer not to use the mobile app or cannot use push notifications, you can set up a password to use instead.

To confirm it’s really you using your card online, you’ll need to set up a new password for online purchases, to be used along with a one-time passcode we’ll send you by text message.

Find out more here

No mobile phone?

If you don’t have a mobile, you can use a landline and your voice as your password.

Find out more here.


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

Do you have any additional cardholders (also known as Authorised Users) on your credit card account?

Make sure all additional cardholders are aware of this change as they will have to set up their card to confirm purchases too.   

Business cardholders

How to confirm your purchases

For business customers, all cardholders need to download and set up the AIB Authenticator app.

 To find out more, click here