Download the EBS CardManager App

Secure Shopping online 

When you’re shopping online, we may need to confirm that it’s really you using your card. 

This is an extra layer of security called Strong Customer Authentication (SCA for short) and makes online shopping even more secure. We will do this by using the EBS CardManager App.

When you’re shopping online and we need to confirm it’s you using the card, we will ask you to check your mobile phone. We’ll send a message through the EBS CardManager app (this is called a notification) and in a few taps you can confirm your purchase.

Finally, you will be asked to return to the online shopping site, to confirm your purchase has gone through.

For more information on the app we have included some common questions below:


How do I get the EBS CardManager app?

Download the new EBS CardManager app from the App Store on your Apple Device or the Play store on your Android Device.


How do I get set up on the app?

Download and open the app and follow the on-screen instructions to get set up and enrol your device.

Step 1

  • Enter your details

Step 2

  • Read and accept the Regulatory Information

Step 3

  • An Activation passphrase will be displayed
  • Call the number shown on the screen; you can tap on it to make the call from your mobile If your phone can’t call the number shown, call us on 0818 303 563/or +353 818 303 563
  • Answer a few security questions and tell us the passphrase.  Make sure you have your EBS Debit card to hand for this call
  • Once complete, press “Next"

Step 4

  • We’ll send a one-time passcode to your mobile, for you to enter on the app

Step 5

  • Finally, you will be prompted to set up your own passcode to access the app. This is a 4 digit code  you will be asked to enter on the app each time you need to confirm a transaction
  • For some devices, you may be asked to turn on Push notifications. If you are asked, please select “ok” as the app will not work without push notifications turned on.

You are set up and ready to use the app. 

How do I confirm online purchases using the app?

Sometimes we will need to confirm it’s you when you buy things online.  If we do, the Mastercard Identity Check’ screen will appear to prompt you to check the phone you enrolled on.  

  • On your phone, tap on the notification to open it
  • Enter your passcode for the app (this is the code you created when setting up the app)
  • Check the details of the transaction
    • Press “confirm” if you are happy to confirm the transaction. Then enter your passcode for final confirmation  or,
    • Press “deny” if you are not happy to confirm the transaction
  • Return to the online store to finish shopping.

When will I be asked to confirm it’s me?

Sometimes, when you shop online you will be asked to confirm it’s really you using the card.

How can I confirm it’s me?

By using the EBS CardManager App.  You’ll need to download the app and enrol before you can confirm your purchases.

Will I have to confirm it’s me every time I shop online?

No, you may not be asked to confirm it’s you if we think the purchase is low value or we consider it to be low risk. 

Can I opt out or continue to use one time passcode?

No, you can’t opt out or use a one-time passcode anymore.

What is Strong Customer Authentication (SCA)?

SCA stands for Strong Customer Authentication and is sometimes referred to as ‘Two Factor Authentication’. Under legislation, financial institutions must authenticate online card transactions using two out of three pieces of information:

1. Something you know
2. Something you have
3. Something you are

At EBS, you can do this with the CardManager app. This is similar to how our customers use SCA to log into Your Accounts Online. If you are a registered user of Your Accounts Online please continue to access your EBS accounts using the existing EBS Authenticator app. When these changes come in to effect, to continue to shop online you will need to download and use the EBS CardManager app too.

What is Mastercard Identity Check?

Mastercard Identity Check is a fraud prevention service that helps to protect your Debit Card against unauthorised use when you shop online at participating retailers, this will be used along with the new EBS CardManager app to help confirm it’s really you using your card. 

The terms of service of Mastercard Identity check is now covered in your terms and conditions associated with your account. 

What is a push notification?

A push notification is a message that pops up on a mobile device from the app. It’s an instant way to communicate with you.

Push notifications are disabled in my app. How can I confirm it’s me?

You will need to turn on push notifications for the app to work.

How long will the push notification I receive last for?

The push notification is valid for 5 minutes.

What do I do if I have forgotten my passcode for the app?

If you have forgotten your passcode for the app, you need to enrol again and choose a new passcode.

When you open the app, there is a “Forgot your passcode?” link, click on this link and you will be brought back to enrol the app again. 

Who do I contact if I need more help with the app?

If you need to confirm your passphrase, please call 0818 303 563/+353 818 303 563 at any time.

For any other queries on the app please call us on 0818 303 564 / +353 818 303 564, Monday to Friday 9am -5PM excluding Bank Holidays.