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.