Protect your everyday banking

We are committed to keeping your everyday banking secure so you can manage your accounts and payments with confidence.

To help you learn how you can protect yourself from fraudsters, read our guidance so that you can spot common scams and know how to avoid them.

While we may contact you to discuss the operation of your account, to send you product related messages, or for feedback on your banking experience, please remember these points:


  • Bank of Ireland will never:

    • Send you a text or email with a link directly to the login page of our online banking channels.
    • Send you a text or email with a direct link to your latest e-Statement.
    • Ask you to click a link in an email with an urgent warning about suspicious activity on your account. (We may sometimes send you an email to verify a transaction on your account but we will never ask you to provide confidential information or click a link to verify a transaction).
    • Ask you to share or send us your full six-digit 365 PIN, four-digit card PIN or Business On Line credentials
    • Ask you to send us back your bank card
    • Ask you to transfer money out of your account to protect yourself from fraud.
    • Request your account information through an onscreen pop-up window.
    • Call you to ask you to make a payment to another account.
    • Ask you to tell us any ‘one-time password’ or code that you have received from us by text.

  • Bank of Ireland will ask you for:

    • Three random digits from your 6-digit 365 PIN – never more, never less.
    • Your full 365 online user ID and
    • Either your date of birth or the last four digits of your phone number – never both

  • Top tips to keep your accounts safe:

    • Protect your PIN. Never share your online banking PIN or card PIN with anyone. Remember: Bank of Ireland will never ask you for your full six-digit 365 PIN.
    • Cover your PIN. Make sure you are not being overlooked or distracted when entering your PIN in a public place, such as at an ATM or supermarket checkout.
    • Beware of links in fake texts and emails. Don’t click on any unexpected links or attachments – they could infect your device or direct you to a fake website designed to collect your personal and account information.
    • Beware of fake calls claiming to be from Bank of Ireland or another trusted company. Remember: Bank of Ireland will never ask you to transfer money out of your account to protect yourself from fraud.
    • Check your accounts regularly for any unusual activity. If you do find anything suspicious, tell us.
    • Use up to date anti-virus software and always keep operating system software up to date with the latest versions on all your devices.
    • Keep your passwords secure. Use strong passwords that cannot be easily guessed and use a different one for each online account.
    • Limit what you share on social media. The more information you share, the more you put yourself at risk of identity theft and fraud.

Cyber calendar

Read about other important cyber security events throughout the year.

  • Safer Internet Day

    Safer Internet Day is celebrated globally to promote a safer internet for everyone, but especially for young people.

    Read or download our tips card to help young people connect and be digitally safe.

    Visit saferinternetday.ie for more information.

    Download our flyer here

    Youth Cyber Security Awareness

  • World Password Day

    World Password Day is an annual event to raise awareness about the importance of strong passwords and best practices for online account security.

    Read our guidance on creating strong passwords and keeping them safe here.

  • Cyber Security Awareness Month

    Cyber Security Awareness Month

    October is Cyber Security Awareness Month, an international campaign to raise awareness of cyber security threats and how best to handle them.

    We are committed to keeping your banking secure but it’s still important that you know how you can protect yourself from online fraudsters.

    In Security Zone, you can learn about common scams and threats and how to avoid them, watch our short ‘stay safe online’ video, download brochures or find important numbers you can call to report concerns.

    Learn more about different types of fraudster tactics here

  • Cyber Monday Tips

    Buying online this Black Friday or Cyber Monday? Read our top tips guide to help you stay safe online

    Use up to date anti-virus software on your computer – this will help protect it against malware.

    Think before you click – planning ahead can help and make sure you double check website addresses for anything unusual.

    Be careful with links in emails and texts – remember that fake links or ads could lead you to a fraudulent website or contain malicious software.

    Use trusted websites  – check that the ‘https’ and the lock symbol is displayed, this needs to be in your browser address window when entering your card details or any personal information.

    On a mobile device use trusted apps – it can be difficult to see the full web address on mobile if you are using a web browser so instead stick with trusted apps.

    Keep your passwords long and unique – make sure to mix your passwords up with special characters, capital letters and numbers and use a different password for each site.

    Check your bank statements – if you don’t recognise a transaction, contact your bank or card issuer.


Help for older people

For those of us that didn’t grow up using computers every day they can sometimes seem confusing and more than a little scary, but that’s no reason not to use them.

Computers and the internet open up a world of information and experiences to all age groups, allowing us to keep in touch with friends and relatives a thousand miles away, or in the next village. We can order groceries for delivery from the comfort of our homes. Missed that programme on TV? No problem! Catch-up TV is hugely popular on the internet. Whether it’s making everyday tasks easier or learning new skills, the internet can help.

However, as well as opening up lots of positive opportunities there are plenty of people looking to take advantage of internet users, whatever their age.

To read more, please click here.

Brochures and videos

Videos

Brochures

To help you learn how you can protect yourself from fraud, read our guidance so that you can spot common scams and know how to avoid them. To read and download our brochures, please click here.

How we protect you

Read about the ways in which we protect you.

  • How we protect you

    Online Security

    • Our online banking websites are encrypted to protect your information
    • They are also protected by a firewall (a barrier between the internet and our internal bank network)
    • A secure browser is needed to access account information and transact

    Logging on and Timing out

    • When you log on to Bank of Ireland 365 online, we’ll ask you for:
    1. A private and individual User ID
    2. 3 random digits from your 365 login PIN
    3. A personal detail question

    This information is encrypted and will stay private if you don’t disclose it.

    • For Business On Line customers, your last log on details will show when you log on. This means you’ll know if
      someone else has accessed your account online
    • If you’re inactive for a while, your online banking session will automatically time out

    Two Factor Authentication

    • You need a Two Factor Authentication to add or edit a payee on 365 online
    • We’ll text a code to your registered mobile phone, or send via post if you prefer

    Protecting your business with Bank of Ireland KeyCode

    • Business On Line uses the award-winning* Bank of Ireland KeyCode
    • KeyCode generates unique, one-off codes you can use to log on to Business On Line and authorise payments and
      payees
    • It replaces your logon passwords and means you don’t need a Digital Certificate or Java
    • Bank of Ireland KeyCode offers the following security benefits:
      1. You need a secure PIN to access the KeyCode app. This One Time Code is generated per transaction and
        expires when used, or after 60 seconds
      2. KeyCode doesn’t store any information
      3. KeyCode only works on your registered device, along with your corresponding Business On Line User ID
      4. The app is registered to the individual User
      5. The Business On Line Administrator can lock a User’s profile (for example, if the User go on holidays,
        etc.)
      6. When you download KeyCode, the app works offline with no need for an internet connection
    • Read more about Bank of Ireland KeyCode here

    *Winner of ‘Best Information Security Initiatives (Corporate/Institutional)’ in Western Europe, Global Finance
    Best Digital Bank Awards 2017

    Daily Control Limit

    • The Administrator and your relationship manager will set a Daily Control Limit (DCL) on your Business On Line
      profile
    • This limit means your profile is less likely to be exposed to fraud

FraudSMART

Launched in October 2017, FraudSMART is a fraud awareness initiative developed by the Banking & Payments Federation Ireland (BPFI) in conjunction with member banks across Ireland, including Bank of Ireland.

The BPFIs new website, FraudSMART.ie, is a ‘one stop shop’, providing education and information on fraud and scams for both business and personal use. The website offers tips, advice, case studies and fraud alerts to help you protect yourself against fraudsters.

The BPFI says that “Fraud can happen to anyone, at any time, but it’s generally simple precautions that can be taken to protect people against getting caught out”.

Visit fraudSMART.ie for more information.

New for June 2018

Guide to Safeguarding your Money Now and in the Future:

The BPFI has launched a new guide aimed at helping consumers safeguard their finances and protect themselves against financial abuse and fraud. If you have concerns about how to manage or access your money or are you concerned about a loved one who may be in need of assistance with their finances, the new guide can help. You can download a copy here.

Guide to Protect Your Business from Fraud

FraudSMART has published a new fraud prevention guide for businesses outlining the common types of financial fraud affecting Irish businesses and providing advice on how to avoid them. A copy of the guide can be downloaded here.

Report fraud

Lost or stolen card?

As soon as you believe your card has been lost or stolen, please get in touch. We’ll cancel your card as soon as you tell us it’s missing and get a new card issued to your address (the one we have on file for you) in 5 to 7 working days.

Fraud, suspicious activity or unauthorised transactions?

To report online fraud, suspicious activity, unauthorised transactions on your account or ATM fraud, please contact us as soon as possible via our Freephone numbers listed below.

Shared your online login details?

If you have shared your banking details in response to a suspicious email, text or call, please notify us as soon as possible via the Freephone numbers listed below.

Report a suspicious email or text

To report suspicious Bank of Ireland related emails or texts (both personal and business customers), send the suspicious email or text to 365security@boi.com

Emergency Contact Numbers

Republic of Ireland

Freephone: 1800 946 764 (personal and business)

Great Britain & Northern Ireland

Freephone: 0800 121 7790 (for 365 credit card customers)

Great Britain & Northern Ireland

Freephone: 08000 321 288 (for Business On Line & Global Market customers)

Everywhere outside Republic of Ireland, Great Britain & Northern Ireland

Not Freephone + 353567757007