Strong Customer Authentication – Are you Ready?

Strong Customer Authentication – are you ready?

IMPORTANT: The way you use your card online has changed.



To approve an online transaction, you must tap on the notification that we send to your primary device. Make sure you have notifications turned on for the BoI app.

Notification example for Android device on left and for Apple on right


If you don’t get a notification

You can approve a card transaction using any of your listed security devices. Go to the login screen of the BoI app and without logging in, tap the Waiting for your approval box (see left).

Then return to the site you were on and complete your online purchase by selecting I have approved in BOI app.

Why didn’t I see a notification?

Notifications requesting approval for online payments are sent to your primary device. You can have several security devices added to your profile, but we will only send (or push) the notification to your primary one.


Which one is my primary device?

To check which one is your primary device, and to add or remove other devices, log into the BoI app and follow these steps.

    If you would like to update your Active PRIMARY device to the device ‘(Now being used)’, please select the existing Active PRIMARY device and follow the on screen instructions to ‘Remove device’ from your profile.

        Tap Services at the bottom of the screen.
        Select Add, remove, block, unblock or change the nickname of your security devices.
        Tap My security devices

    This will show the devices registered to your 365 online profile. The device you are using will be labelled (Now being used). In the example here on the left, Karls phone is both the primary device and the one that is being used with the BoI app.

Changing your primary device

You can select any device from your list to be your primary device. However to do so, you must first remove any other devices (such as previous phones or downloads of the app) that were added before the device you now want as your primary.

      Log in to the app on that device, so that it shows as (Now being used) in your list of devices. This example on left uses personal phone as the logged in device.
      Tap on the device labelled as Primary, then tap Remove device. In this case, this will remove johns phone as the primary device
      The device called Off phone then becomes the primary. To remove it from the list, repeat step 2.
      Repeat this until each device except personal phone is removed. This will now be the default primary device. You can continue to add other devices as previously.

This will show the devices registered to your 365 online profile. The device you are using will be labelled (Now being used). In the example here on the left, Karls phone is both the primary device and the one that is being used with the BoI app.

Introducing Strong Customer Authentication (SCA)

SCA is an extra layer of security to help make online card payments safer. It works through your mobile phone or tablet.

To use it, you must download the latest version of the BoI app and make sure we have an up-to-date mobile phone number for you.

Then when you use your card for online transactions, we will send you a message. We’ll know that the payment is genuine when you confirm you got the message.


No mobile phone or tablet? No worries.

We’ll send you a Physical Security Key (PSK). When you use your card online, we may send a passcode to your PSK, which you use to confirm your identity.

For more information on SCA, see FAQ’s below



Have a Credit Card and a 365 profile?

If you already have a profile on 365 you can add your credit card to it. To do this:

  • Log in to the Bank of Ireland Mobile app
  • Go to ‘Services’
  • Scroll down to ‘Manage Accounts’
  • Click on ‘Add your Account or Policy’
  • Select your Credit Card and then type in the requested details


Transactions over €30

As part of the European regulation for electronic payment services, online retailers must now use a fraud prevention tool called 3D Secure for online card payments over €30. Without it, payment will not be possible.

If a recent online payment over €30 was unsuccessful for you, the retailer may not have used 3D Secure. If they did, and it was still unsuccessful, let our cards team know on 081 820 0370.

More updates on industry changes: www.mypsd2.ie



FAQs (Frequently Asked Questions)

SCA General Queries

Personal Debit Card Customers

Business Debit Card Customers

Personal Credit Card Customers

Business Credit Card Customers

 

SCA Brochure

SCA Brochure – A guide to Strong Customer Authentication (SCA)

Voice recording: SCA Brochure – A guide to Strong Customer Authentication (SCA)

*This page will be updated regularly, please check back soon for further updates.