How We Protect You | Ulster Bank

• When you first enrol for Anytime or mobile banking you will be given level 1 access, meaning that you are limited to making balance and transaction enquiries or moving money between your own accounts. To access level 2 services, like 3rd party payments on online banking, you will need a card reader and a debit card.

• A card reader is a security device needed by all online banking customers, looking to get the most out of their Online Banking.  It works with your Anytime Banking service to provide an extra layer of protection against online fraud. The card reader also allows you to set up new payments, change your details and more.

• In the app, a One Time Passcode will be sent to the mobile number we hold for you on the banks records before you can use services like Pay Someone New.

• Ulster Bank Secure provides you with additional security when shopping online at participating merchants. On selected transactions we may send you a passcode for verification. Simply ensure that all your contact details including your mobile number are up to date with us so when using your card and verification is requested against a transaction, we can send you a One Time Passcode to your chosen contact method.
 

Guidance on updating phone number and email address are available

• All payments are analysed for irregularities by our profiling engine. We also offer free security software, IBM Rapport, to protect you when you’re banking or shopping online. All communications from yourcomputers or mobile apps are encrypted.

• If we hold your mobile number, we will send you an SMS to confirm some activities on your account and check that it was you that made the transaction or changed some of your information, so it is important that we hold up to date contact numbers for you. If we suspect or become aware that your account may be subject to fraud, we will attempt to contact you.

• Sometimes a fraudster may steal some of your security details and try to access your account through Anytime or mobile banking. We temporarily disable online accounts if too many unsuccessful attempts have been made to log in.

Regular tests of our mobile and online banking systems are undertaken by independent industry experts to ensure our services meet the highest standards of security. All of our websites are monitored and protected from sophisticated attacks such as DDoS (Distributed Denial of Service).