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.
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.
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
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.
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
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”.
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.
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.
Need to be sure that a BoI text is genuine? Use our ‘TextChecker’ Service.
Here is an example of a TextChecker submission:
Here is an example of a TextChecker response:
Remember, fraudsters can insert a fraudulent text into a genuine BOI message thread, we will never text you a link asking you to share your log in details such as your PIN or one-time passcodes.