Strong Customer Authentication

Shopping online is changing, and we’re making it more secure for you.

In 2021, an additional layer of security will make shopping online with your Bank of Ireland UK card even safer.

What’s it all about?

When you are making an online purchase we may ask you to confirm it is you using the card. The easiest way to do this will be to approve the purchase using the Bank of Ireland banking app using Strong Customer Authentication (SCA). In time, this will fully replace the one-time passcodes that are being sent to you by text message today.
 

Secure online shopping using SCA

Already use the Bank of Ireland banking app to view your current account or credit card? If so, you can use the app to approve card payments using SCA when it is introduced later this year. You should ensure that you have enabled notifications for the app.

FAQs

  • What is Strong Customer Authentication (SCA)?
    Strong Customer Authentication (SCA) works to ensure that it is genuinely you making online purchases or banking online. It is designed to help keep your financial information safe and make online purchases and banking even more secure.
  • Does SCA affect me?
    Yes, if you make online payments using your credit or debit card, SCA will affect you. We are introducing this change to make banking safer for you.
  • How will this work for me?
    From July this year you will need to use the Bank of Ireland banking app to confirm it is really you who is making the payment. If you don’t have a smart device or are unable to use our Bank of Ireland banking app we can then provide you with a Physical Security Key (PSK).
  • What is a PSK?
    This is a small, handheld device that generates a new passcode each time to confirm that it is really you who is making the payment when you use your card for some online purchases. If you don’t have a smart device or are unable to use our Bank of Ireland banking app, you will need to order a PSK. For further information on PSKs, click here.
  • Can I opt out of this service?
    If you want to use your card to shop online, you cannot opt out of this service. You will need to use the Bank of Ireland banking app or, if unable to do so, a Physical Security Key (PSK) to authorise transactions. Under Payment Services Regulations we have to ensure SCA is performed for certain online transactions.
  • I live abroad, do I still have to do this?
    Yes, to ensure you can continue to use your cards for transactions in the UK & EU or access your accounts online, you will need to be set up for SCA.
  • How will SCA work once introduced?
    For full details of what the approval steps using the Bank of Ireland banking app will look like, what will happen if you don’t receive the push notification or what to do if using the PSK, please click here to download ‘A Guide to Strong Customer Authentication’ brochure.

Personal Debit Card

  • What do I need to do to get ready for SCA?
    You will need to be registered for 365 online in order to continue to shop online when SCA is introduced. You will then need to download the Bank of Ireland banking app from the relevant App Store/Play Store for your phone.

    If you are not registered for 365 online:

    • Please call us on 0345 600 7568 from 9am to 5pm Monday to Friday and we will get you set up.

    If you are already registered but have forgotten your 365 online User ID:

    • Please text ‘User’ to 50365 and we will reply with your User ID.

    If you have forgotten your PIN:

    • Please call us on 0345 600 7568 from Monday to Friday 9am to 5pm and Saturday 9am to 2pm, closed Sunday, and we will help you re-set your 365 PIN.

Commercial Debit Card

Commercial Credit Card

  • What do I need to continue to shop online once SCA is introduced?
    You will need:

    • To be registered for 365 online,
    • To download the Bank of Ireland banking app,
    • To add your credit card to your profile.

    If you have all of the above then, great! You are ready for when our SCA change is introduced to continue to make payments online. If you haven’t got all of the above, please see the next two sections.

  • I am a current account holder and I have a commercial credit card but I am not registered for 365. What do I need to do?
    In order to continue to use your credit card to shop online you will need a 365 online profile for your credit card. To get set up:

    • Please call us on 0345 600 7568 from 9am to 5pm Monday to Friday and we will get you set up.
    • You will then need to download the Bank of Ireland banking app from the relevant App Store/Play Store for your phone and log in.

    Once you are registered for 365 online, and have downloaded the Bank of Ireland banking app, you can add your credit card.
    Here’s how:

    1. Log in to the Bank of Ireland banking app or 365 browser
    2. Go to ‘Services’
    3. Scroll down to ‘Manage Accounts’
    4. Click on ‘Add your Account or Policy’
    5. Select your account type and then type in the requested details

    Please note if your commercial credit card is under a different name to your personal or business current account it cannot be added to your existing 365 profile.

    If this is the case, please see the ‘I have a commercial credit card but I do not have a current account’ section below for more information.

  • I have a commercial credit card but I do not have a current account. What do I need to do?
    If you do not have a current account we will need to get you set up with a 365 profile. You will then be able to download the Bank of Ireland banking app in order to continue using your credit card online.

    If you are yet to register your 365 profile, please call us on 0345 604 1070 to complete your set up.

SCA Brochure – A guide to Strong Customer Authentication (SCA)
*This page will be updated regularly, please check back soon for further updates.