How We Protect You | UBN

• 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.

• When customers first enrol for Anytime or mobile banking they are given level 1 access, meaning that they are limited to making balance and transaction enquiries or moving money between their own accounts. To access level 2 services, like 3rd party payments on online banking, customers 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 Anytime 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 the customer on the banks records before they can use services like Pay Someone New.

• Ulster Bank Secure provides you with additional security when shopping online at participating merchants. Simply ensure that your contact details 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, verified channel of communication

• All payments are analysed for irregularities by our profiling engine. Customers are offered free security software, IBM Rapport, to protect them when they’re banking or shopping online. All communications from our customer’s computers 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. When we detect unusual activity on your account, we will contact you immediately to find out if fraud has actually occurred.

• Sometimes a fraudster may steal some of your security details and try to access your account through online 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).

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