Strong Customer Authentication

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

Add your signposting title here… What's changing?

Increasingly we will ask you to confirm your identity 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.

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 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, for example, you will only be able to view your balance, order/enable your card reader and make transfers between your own Ulster Bank accounts.

If you are buying something online and cannot receive an OTP, you will be unable to complete your purchase.

Add your signposting title here… Make sure your contact details are up to date

As we need your mobile phone number to send you an OTP – and if you have a credit card with any additional card holders we’ll need their number as well – it’s really important to make sure we have your up to date details. This will enable you to receive the OTP and complete your purchase safely. If you’re in an area with poor phone coverage there will be other options available to receive an OTP.

Add your signposting title here… We’ll ask for your PIN more often

We will also be asking you to input your PIN more often when you pay with contactless. Don’t worry it doesn’t mean there is something wrong with your card or account – it’s just another way for us to keep your money safer and more secure - simply use chip and PIN as normal

Add your signposting title here… Why the change?

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

New regulation is being rolled out across all UK banks which is designed to improve the security of your purchases and reduce fraud. It is called Payment Services Directive 2 (PSD2) and you may have heard it sometimes referred to as Strong Customer Authentication (SCA).

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

Add your signposting title here… Tackling Fraud & Scams

Be prepared for when criminals might target you;

Always:

Ensure you keep your contact details up to date so we can alert you if we detect any suspicious activity on your account.

Never:

Tell anyone your Anytime Banking login details, activation codes, full PIN, full password or app passcode. Even a caller claiming to be from the bank or police
Transfer money from your account after being instructed to do so, even if that person claims to work for the bank or police
Allow remote access to any device when someone gets in touch with you unexpectedly.
If you’re asked to do any of the above, end contact with the individual immediately and contact us using either a number from our website or on the back of your debit or credit card.

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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Strong Customer Authentication