Changes to how you access and use Online Services

From August 2019 onwards, when you login, you may be asked for additional security, as well as your current login details. This extra security layer is known as Strong Customer Authentication (SCA). This enhances how we verify your identity and helps fight fraud and further protects your digital banking and payments.

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.

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.

To make the set up easier, please make sure we have your up to date mobile phone number. You can review or update this on Online Banking, or you can call into your local branch with your ID.

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.

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.

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.

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. We’ve updated our website with more information which you can read at aibni.co.uk/psd2.