Regulation has changed how we bank online. These changes help fight fraud and make your online transactions more secure. You’ll notice that there is now an extra layer of security for EBS Your Accounts Online. This is known as Strong Customer Authentication (SCA) and was introduced on 14 September 2019. To complete SCA you will need to pair a smart phone or tablet to your online banking profile. Read on to find out more.
What is SCA?
SCA stands for Strong Customer Authentication and is sometimes referred to as ‘Two Factor Authentication’. Under new legislation, supplementing PSD2, Financial Institutions must authenticate online banking customers using two out of 3 factors; 1) Something you know, 2) Something you have, 3) Something you are.
EBS will authenticate customers by their Customer ID & Personal Access Code (PAC) (something you know) and their smartphone or device (something you have).
Do I have to use SCA?
Yes. To login to online banking you will need to complete SCA.
Get Set Up for SCA - Pair Your Smart Device
Pairing your device is how you link your smartphone or device to your online banking profile.
Set up is easy. The EBS Authenticator App is available in the Apple and Google Play Store. Click here to download the App. Simply download the App to your smartphone or device and login with your Customer ID and Personal Access Code (PAC). Then you’ll be asked to enter your 6-digit one-time code to pair your device. You are now set up for SCA for online banking.
Once you are set up, each time you login to online banking we will send a push notification to your paired device, that way we will be able to confirm that it’s really you accessing your accounts.
If you are already registered for online banking then here’s what you need to do to get set up for SCA
About the 6-digit One-Time Code (OTC)
When you register for online banking a one-time code (OTC) will be posted to you. If you are already registered and need an OTC to pair your phone then you can go to the EBS online banking login page and enter your Customer ID & PAC to request a code. Alternatively our internet support team will be happy to send you an OTC. If you need help logging in or have forgotten your login details or would like to request a new OTC then please visit our help centre or phone our internet support team on 6658075.
The 6 digit code is a One-Time Code (OTC), this means it’s only used once to authenticate you. Once the code is successfully entered into the app & you have logged in it is no longer required.
For security reasons if the code is not used it will expire after 40 days. However you can login to Your Accounts Online to request a new one.
What are Notifications?
When installing the EBS Authenticator App you may be asked to enable notifications. Enabling notifications allows us to send you secure automated messages even when the app is not open. Responding to this automated message is the quickest and easiest way that you can confirm that it really is you logging into your account.
If you do not enable notifications, or your phone cannot be reached when you are logging in, then you will be given another way of confirming that it is you.
After entering your Customer ID and PAC, if your phone can’t be reached, you can generate an OTP (One-Time Passcode) in the EBS Authenticator App. Simply enter the OTP in the field provided in your browser and click Continue to complete authentication and login to online banking.
I haven’t received the Push notification – what do I do?
If you have set your device up for SCA but you aren’t receiving notifications, first check that notifications are enabled for both your phone and the EBS Authenticator app and that you have a strong signal or internet connection to receive notifications.
This can be slightly different on each device.
Turning Push Notifications on/off:
To turn on or disable notifications, go to your phone settings, go to notifications and locate the EBS Authenticator App in your Apps manager and you should see an option to enable or allow notifications.
To turn on or disable notifications, go to your phone settings, go to notifications and locate the EBS Authenticator App and you should see an option to enable or allow notifications.
If they are turned on, you may not have received the notification due to a network issue.
If you have a Huawei or Xiaomi device and are still not receiving the notification, go to your phone settings and then select advanced settings and Battery settings. Then set EBS Authenticator App as a protected app.
Likewise if you have a OnePlus device and are not receiving the notification, go to your phone settings, then Battery and then Battery optimisation and then select the EBS Authenticator App and ensure it is not optimised.
Changes to how you share your financial information
You may have heard the term ‘Open Banking’, this is a new and evolving industry-wide initiative to give you more control over your finances.
Open Banking gives you the option to securely share your online payment account information and/or make payments directly from your online payment account with authorised or registered parties you trust known as third party providers (TPPs).
We’ve developed EBS online banking so you can now make direct payments and share your online payment account information, including balances and transactions, using TPPs to whom you have given consent. It’s your choice whether or not to use TPPs, and we want to make sure you have the information you need to decide if it’s right for you. You can find more information here.