Strong Customer Authentication

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You are your strongest password

You can now use your face or fingerprint in your app to confirm it’s really you when shopping online.
#ItsReallyMe

Add your signposting title here… What’s changing?

Between now and September 2021, new regulation is being introduced to improve online payment security and help reduce fraud and scams. In a nutshell, it means you’ll be asked to confirm it’s really you more often.

This could be when you're:

  • shopping online
  • using Anytime Internet Banking
  • making contactless payments
Add your signposting title here… We’re making online shopping even more secure

When you shop online, we’ll ask you to confirm your identity and approve transactions more often. You can do this in your Ulster Bank mobile banking app by using your Face ID, fingerprint, or passcode to confirm #ItsReallyMe.

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries

Add your signposting title here… The best way to protect your account

Using your Face ID or fingerprint is the most secure way to confirm #ItsReallyMe when you need to review a transaction.

Face ID and Touch ID are available on selected Apple devices. Android facial recognition and fingerprint are available on selected Android devices.

How does it work?

Add your signposting title here… How does it work?

It’s simple. If we spot an unusual transaction, we’ll ask you to open your app and confirm your identity with your Face ID, fingerprint, or passcode. Then you’ll be able to see the details of the transaction and approve or decline it.

To see a step-by-step demonstration of exactly how it works, watch our how-to video.

Add your signposting title here… Make it easier by turning on app notifications

With your notifications enabled, we can let you know straight away if you need to review a transaction. Then you can simply tap the notification to go straight to your app. If you want to turn on push notifications for your app, just go to your phone’s notifications settings and look for the Ulster Bank app.

Frequently asked questions

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 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.

What if I don't have Face ID or Fingerprint on my phone?

If you don’t have Face or Fingerprint ID on your phone, or don’t have them switched on, you can use the app passcode.

What if I don't have the app on my phone?

If you don’t use the app, you’ll continue to approve transactions with a One Time passcode. Just make sure your contact details are up to date through Online Banking or by calling the number on the back of your card.

For more information about how to get the app, click here.

What if I don't have a mobile phone?

You can choose to receive the One Time passcode by email, or you can call us to approve the transaction

I have the app but can I continue to receive one time passcodes by SMS?

No. If you have the app, you will need to use Face ID, fingerprint or your app passcode to confirm the transaction.

How long do I have to confirm a transaction in the app?

You have 8 minutes to confirm the transaction in the app. If you don’t confirm it within this time, the transaction will be cancelled and no money will leave your account.

What happens if I decline a transaction?

The payment to the retailer is stopped and no money leaves your account.

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