How We Protect You

Online Security

  • Our banking sites use an encryption system to protect your banking information at all times.
  • They also require the use of a secure browser to access account information and perform transactions.
  • The bank is protected by a firewall, which forms a barrier between the outside Internet and the internal bank network.

Logging on and Timing out

  • When logging on to Bank of Ireland 365 online we will ask you to provide your own private and individual User ID and 3 random digits from your 365 login PIN in conjunction with a personal detail question. This information is encrypted during transmission and will remain a secret as long as you do not disclose it.
  • For Business On Line customers, your last logon details will display onscreen when you log on. This means you will know if someone else has accessed your accounts online.
  • After a period of inactivity, your current session on our online banking channels will automatically timeout.

Two Factor Authentication

  • Adding or editing a payee on 365 online requires Two Factor Authentication. A code is sent to you via text message to your registered mobile phone, or by post if you prefer.

Protecting your business with Bank of Ireland KeyCode

  • Business On Line uses the award-winning* Bank of Ireland KeyCode. It generates unique, one-off codes you can use to logon to Business On Line and authorise payments and payees. It replaces your logon passwords and means you no longer need a Digital Certificate or Java.
  • Bank of Ireland KeyCode offers the following security benefits or controls:
    1. A secure PIN is required to access the KeyCode app. The One Time Code is transaction-specific and either expires on use or after 60 seconds.
    2. KeyCode does not store customer or Bank information.
    3. KeyCode only works on the registered device, together with the corresponding Business On Line User ID.
    4. The app is registered to the individual user.
    5. The Business On Line Administrator can continue to lock a User’s profile (for example, in the event of leave, etc.)
    6. Once downloaded, KeyCode can operate in an entirely offline environment with no requirement for internet or cellular access.
  • Read more about Bank of Ireland KeyCode

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