Stronger Customer Authentication

What You Need To Know


To make shopping online more secure, new requirements for authenticating online payments will be introduced in Ireland and across Europe from 31st December 2020. The new requirements are known as Stronger Customer Authentication and come under the second Payment Services Directive, also known as PSD2.

What this means is that you may be asked to carry out an additional security step before you complete an online purchase to confirm it’s really you. How this is done will depend on your bank – but most financial institutions will text you a one-time passcode which you will need to enter on the website that you are purchasing from.

These changes are being introduced to provide better protection for you when shopping online and to reduce fraud.

What Does This Mean When Buying Insurance Online?

When you purchase insurance online at, you may be asked to carry out an additional security step. This security step will depend on which bank you are registered with – but it may involve your bank texting you a one-time passcode which you will be prompted to enter online. Some financial institutions may also confirm your identity with a phone call, sending an email or asking you to use an app on your smartphone.

These extra security steps are being introduced to provide extra protection to customers.

Remember: Banks will never ask you for your PIN, full password or to move money to another account.

What is PSD2?

Payment Services Directive is an EU directive to regulate payment services and payment service providers throughout the European Union (EU) and European Economic Area (EEA).The Directive’s purpose was to increase pan-European competition and participation in the payments industry also from non-banks, and to provide for a level playing field by harmonizing consumer protection and the rights and obligations for payment providers and users.

What is SCA?

The principle of SCA is to increase security for electronic payments and accessing your online banking account through the introduction of two factor authentication protocols.

This is a security process in which you may be asked to verify your identity in two different ways such as with a password or a one-time passcode.

Do I need to set my bank account up for Stronger Customer Authentication?

Your bank should have contacted you already in relation to the upcoming changes to Stronger Customer Authentication. If you have recently changed your phone number or email address, it is important to get in touch with your bank now.

In some cases, you may be required to set up additional security features on your account to assist with Stronger Customer Authentication. For further information, please contact your financial institution or visit links below.

An Post Money
Bank of Ireland
Chill Money
Danske Bank
KBC Bank
permanent tsb
Ulster Bank

What if I have difficulties completing transaction online?

Please contact your bank if you are having difficulties completing your transaction online.

Keeping You Safe Online

With more of us purchasing online, Stronger Customer Authentication will help to keep our transactions secure and safe. Our payment journeys will look a little different from 31st December 2020 but the added security features will make a big difference in reducing fraud and keeping our money safe.