How We Protect You | Ulster Bank

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Our security measures

How we protect you

Download free IBM security software to keep you safe

We protect you and your computer in many ways

Secure registration and login process

Secure registration and login process

  • Our registration journeys ask for the customer’s personal account information, which only they should know.
  • Our login processes need the right information, in the right order and customers are only allowed so many incorrect attempts before the system locks down for security.
  • When you log in to our Anytime Banking service on a lot of browsers, you’ll notice that the address bar (which starts ‘https://’) turns green. This shows that the website has an extra level of security.
  • Our mobile apps also have biometric security enabled, so logging in can be even more secure through Apple’s Touch ID or Android Fingerprint.
A layered security system

A layered security system

  • 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.
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    Guidance on updating phone number and email address are available

Robust Controls

Robust Controls

  • 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.
Independant and industry testing

Independant and industry testing

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).

Secure Banking Promise

Secure Banking Promise

Whether you’re banking online or using our Mobile Banking app, rest assured you are protected by our Secure Banking Promise.

1. We'll refund any money paid out of your account by a fraudster, as long as you’ve kept your security information safe

2. We'll protect you 24/7 by monitoring your account and using the latest technology to keep you safe

3. We'll help you protect yourself with tips on staying secure and free tools for extra protection

Remember to take sensible precautions

Keep your antivirus and firewall software up to date, and download the free IBM Rapport software for PC, Laptops and Macs

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