From now on you will need to use your mobile device as a secure method to login and use online banking.
Make sure you download the latest version of the EBS Authenticator App and follow the steps to set up your device to ensure you don’t get locked out of EBS Your Accounts Online. For more information, or if you have mislaid the 6-digit one time code that was posted to you and need to order a replacement, please login to EBS Your Accounts Online. You can also contact our SCA Helpline on 0818 300 089 (+353 (0) 818 300 089 if calling from abroad) Monday to Friday 9am to 5.30pm.
On September 14th new banking regulation will change how you use EBS Your Accounts Online. These changes help fight fraud and make your online transactions even more secure.
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. In order to ensure minimal customer disruption, after 14 September customers can still access Your Accounts Online as usual and over the coming weeks we will continue to support EBS customers to transition to the new SCA service.
What do I need to do to get ready for SCA?
To be ready for SCA (Strong Customer Authentication) please make sure that we have your correct postal address. You can check the address we have for you by logging into EBS Your Accounts Online. Alternatively you can call into your local EBS office or phone us on 1850 654321 between 9am and 5pm Monday to Friday.
Click here to find out more about how to change your address.
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 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 to your online banking profile. You are now set up for SCA (Strong Customer Authentication).
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 online.
Step by step guide to SCA set up
About the 6-digit one time code
If you have logged in to EBS Your Accounts Online during the last 12 months then we will automatically send a 6-digit one time code to the address we have for you. If you have not used online banking for 12 months then please login now to request your 6-digit code. If you need help logging in or have forgotten your login details 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 it is no longer required.
For security reasons if the code is not used it will expire after 30 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, every time you log into Your Accounts Online. 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 optimization and then select the EBS Authenticator and ensure it is not optimized.
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.