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.

Protect your business

Businesses and organisations are increasingly becoming targets of fraud and cybercrime.

We want to help our customers protect themselves from common threats such as ransomware, payment redirection fraud, email compromise, cheque overpayment and more.

For more information and helpful tips for you and your staff, 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 push notification will be sent to your registered mobile device or PSK asking you to approve the login, you will need to swipe to approve.

    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 after 5 minutes

    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 Approve

    • Business On Line uses HID Approve. Approve has been developed by BOI’s chosen security partner HID Global, an industry leader in secure authentication solutions.
    • Approve generates unique, one-off Secure Codes you can use to log on to Business On Line and authorise payments and payees
    • Approve offers the following security benefits:
      1. You need a PIN to generate Secure Codes. A unique Secure Code is generated per transaction and expires when used, or after 60 seconds
      2. Approve doesn’t store any information
      3. Approve 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 goes on holidays, etc.)
    • Read more about Bank of Ireland Approve here

    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

    Protect your Business From Fraud (Business On Line customers)

    We have created a helpful checklist of Bank of Ireland Business On Line’s tools available to help protect customers with the security of their online banking here

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.

TextChecker

Fraudsters can try to trick you into giving away your personal and financial details, by sending fake texts mixed in with real Bank of Ireland texts. If you get a text that says it’s from Bank of Ireland, use our ‘TextChecker’ service to check it’s not a scam.

TextChecker guide
TextChecker guide

 

Sample TextChecker submission:

TextChecker submission example

Sample TextChecker response:

TextChecker response example
 

Remember, Bank of Ireland will NEVER text you a link asking you to share your card details or your online banking details like your PIN or one-time passcodes.

Report fraud

Please get in touch with us if you:

  • shared your online login, card or banking details in response to a suspicious call, text or email;
  • believe your card has been lost or stolen (top tip – if you think you might have just misplaced your card, you can temporarily freeze/unfreeze it via the app or 365 online);
  • notice suspicious activity or unauthorised transactions on your account;
  • need to report online or ATM fraud.

Emergency Contact Numbers

Available 24 hours 7 days a week

Republic of Ireland

Freephone: 1800 946 764 (personal and business)

Great Britain & Northern Ireland

Freephone: 0800 121 7790 (personal and business)

Everywhere outside Republic of Ireland, Great Britain & Northern Ireland

Not Freephone + 353 1 679 8993
Not Freephone + 353 56 775 7007 (Lost/Stolen cards or smart device)

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 or click here now