Strong Customer Authentication – SCA

Strong Customer Authentication (SCA)

Strong Customer Authentication or SCA is an extra layer of security we’ve added to help make online card payments safer. It works through your mobile phone or tablet.

To use it, you must download the latest version of the BoI app and make sure we have an up-to-date mobile phone number for you.

Most frequently asked questions

• How do I approve my online card transaction?

  
  

  

  
  

  

  
  

  To approve your online card transaction:

  1. Tap on the notification sent to your primary device follow the directions on screen

  OR

  2. Open the BOI app within 45 seconds of making the purchase and the notification will appear on screen. If it doesn’t appear, just tap Waiting for your approval (located below where you enter your 365 PIN on the BOI app). Do not log in before tapping 'Waiting for your approval'.

  Swipe to enter 3 digits of your 6 digit 365 PIN. Then, you can return to the site you were purchasing from where you may need to select I have approved in the BOI app to complete your online purchase. Please note not all seller's sites will display 'I have approved in BOI app'. If they don’t, when you return to the seller's site the transaction will be complete.

  Note: If you did not receive a notification it may be because the device you are currently using is not your Active PRIMARY device. View details on primary devices below.

  
  

  
  
• What is my primary device and how do I view/change it?
  

  A primary device is the very first, active security device (smartphone/tablet) you would have registered on which you downloaded the Bank of Ireland Mobile app and completed the set up process. Your registered security device(s) provide additional security, using Strong Customer Authentication, when you access and manage your online banking. Your primary/registered device is required whenever additional security is needed for online card purchases.

  To view/change your primary device, please follow the steps below:

  Log in to the BoI app

  Tap Services at the bottom of the screen.

  Select Add, remove, block, unblock or change the nickname of your security devices.

  Tap My security devices

  This will show the devices registered to your 365 online profile. The device you are using will be labelled (Now being used).

  You can select any device from your list to be your primary device. To do so you must first remove any other devices (such as previous phones) that were added before the device you now want as your primary.

  Tap on the device labelled as Primary, then tap Remove device.

  Repeat this until each device except the one you want to use as your primary device is removed. This will now be the default primary device that we will use for SCA notifications.

• Why didn’t I get a notification?
  

  If you do not receive the notification, this may be because:

  • You have your notifications turned off, or;
  • You are not using your primary device (see FAQ above on what a primary device is) when making your purchase.

  We recommend that you turn your notifications on.

  If you wish to change your primary device, you must remove any other devices (such as previous phones) that were added before the device you now want as your primary.

  • Tap on the device labelled as Primary,
  • Tap Remove device,
  • Repeat this until each device except the one you want to use as your primary device is removed. This will now be the default primary device that we will use for SCA notifications.

• What do I do if I don’t get a notification?
  

  If you didn’t get a notification, you can still approve a card transaction using any of your listed security devices.

  Open the BOI app within 45 seconds of making purchase and the notification will appear on screen. If it doesn’t appear, just tap Waiting for your approval (located below where you enter your 365 PIN on the BOI app) and follow the instructions to approve. Do not log in before tapping 'Waiting for your approval'.

  Once completed, return to the site you were on and complete your online purchase by selecting ‘I have approved in BOI app’.

• Can I change my notifications settings to make the notification more visible when it arrives?

  Yes, you can change notification settings on your phone and make them more visible. If you have an iPhone, you can change the notification to be persistent. A persistent banner will stay on the screen until you tap it or dismiss it, while a temporary banner will remain for a few seconds then disappear.

  • Go to the Settings app
  • Tap on Notifications,
  • Tap on BOI Mobile app
  • Tap on Banner style
  • Change banner style from temporary to persistent

  If you have an android device:

  • Go to the Settings app
  • Tap on Notifications,
  • Tap on lock screen,
  • For notifications to appear on the lock screen, go to Notifications and turn notifications on for the app.

• What if I have a credit card and a 365 profile?

  If you already have a profile on 365 you can add your credit card to it. To do this:

  Log in to the Bank of Ireland Mobile app

  Go to Services

  Scroll down to Manage Accounts

  Click on Add your Account or Policy

  Select your Credit Card and then type in the requested details

General FAQs (Frequently Asked Questions)

Frequently asked questions

Business Debit SCA Supports

SCA Brochure

Personal Debit Card

A Guide to Strong Customer Authentication (SCA)

Personal Credit Card

A Guide to Strong Customer Authentication (SCA)

Business Debit Card (Single Card)

A Guide to Strong Customer Authentication (SCA)

Business Debit Card (Multiple Cards)

A Guide to Strong Customer Authentication (SCA)

Voice Recording

Voice Recording – A Guide to Strong Customer Authentication’