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