Strong Customer Authentication

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Strong Customer Authentication

We're introducing smarter, stronger and safer ways to keep you protected online

Add your signposting title here… What's changing?

Soon we will ask you to confirm your identity more often when using Anytime Banking or when you buy something online with your card. It'll provide extra protection against fraud and scams by ensuring it's you who is using your details, and not someone pretending to be you.

In the next few weeks, you'll notice that when you log in to your account or buy something online, we'll occasionally text you a code to your mobile phone. This is called a one time passcode (OTP) and you'll need this to complete your task. 

We may also ask you at times to use your card reader with your debit card (or your Anytime Banking card if you don't have a debit card) when logging into Anytime Banking.

If we can't confirm it's you logging into your account, you will experience a restricted service. This means you will only be able to view your balance, order/enable your card reader and make transfers between your own Ulster Bank accounts.

Add your signposting title here… Why the change?

Fraudsters and scammers are becoming more clever and sophisticated. It's our job to keep one step ahead, and to keep your money safe.

We're continually investing in new technology for extra security - and that's why we're introducing a number of new changes to keep you secure.

Add your signposting title here… Tackling Fraudsters

It helps to know how fraudsters work, so you can avoid their tricks. Here are some tips to help:

  • Never share your full Anytime Banking PIN or password with anyone over the phone, by text, or by email - even if they claim to be from the bank or the police.
  • Never share your card reader codes, one time passcode, app passcode or activation codes with anyone.
  • Never take an instruction from a stranger asking you to transfer money from your account.
  • If someone calls you unexpectedly, never let them access your computer remotely.
  • Always keep your contact details up to date - so we can get in touch with you immediately if we spot suspicious activity on your account.
Frequently asked questions

When will I need to use a card reader or Anytime Banking card?  

For extra security, you may need to use your card reader to confirm your identity when logging in. We’ll make sure it’s you by asking for something only you know, such as your PIN, and something you have, like your debit card.

 

If you don’t have a debit card for your account, you can use your Anytime Internet Banking card and PIN with a card reader.

 

When you bank online, you'll also need a card reader to:

 

  • Set up a payee
  • Make a payment for the first time 
  • Update any regular payments, like standing orders
  • Update personal details
  • Manage your activity alerts

To order a new/replacement card reader, log into Anytime Banking and select “Security” from the left hand menu. Under card reader select “order a card reader”.

 

If you don’t have a debit card we’ll send you an Anytime Banking card and PIN for you to use. For security we'll send these separately. Your card will arrive within 10 working days and your PIN 3 working days later.

Why do I need a one time passcode?

For extra security, we may ask you for a one time passcode to make sure it’s you logging into Anytime Internet Banking.

If we have your mobile number, you’ll get a text with a one time passcode. Otherwise, you can create one using your card reader.

If the number we have for you isn't correct, you can update it any time by contacting us by using the contact us (opens in a new window) page. Your changes may take up to 3 working days to show in Anytime Internet Banking. 

Lost your card reader? You can order a new one in Anytime Internet Banking, and it will arrive in 5-7 working days.

Will it be harder for me to shop online?

No, but it will be harder for fraudsters to make purchases using your bank details. It only takes a minute or two to complete the extra level of security and when it's done you'll be able to complete your transaction. 

 

It' s a relatively small step to take but will be a huge step in helping combat fraud. 

Can I still log into Anytime Banking using my debit card details?

No, you'll no longer be able to log into your account using your debit card details. 

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