What if I am the authorised user but I do not have the Bank of Ireland app?

We recommend that you download the Bank of Ireland app from the App Store or Google Play. Once SCA is introduced, the easiest way to approve a transaction will be through the app, regardless whether it's you or another cardholder using your business debit card online. If you cannot use the app then you will need to use a Physical Security Key (PSK).More about using a PSK to authenticate payments. You will need to set up your B365 profile (by nominating an authorised user) and set your 365 PIN before a PSK can be ordered.