Our CardManager App makes online shopping even more secure
EBS Authenticator App
— STRONG CUSTOMER AUTHENTICATION (SCA) —
For secure online transactions
We authenticate our customers by their Customer ID & Personal Access Code (PAC) (something you know) and their smartphone or device (something you have).
August 2025 Authenticator App Update
The App update was successfully deployed and made available to all customers by the 15th of August 2025. Most customers have successfully downloaded the update and are having no issues using the app to complete SCA when logging in to their online banking.
However, some customers have had difficulty when using the updated App and we are sorry about this.
Before updating the app please ensure you have a strong internet connection, your device battery is at least 60% and it’s not in power save mode.
- Android Version 2.0.11, minimum OS is android 8 and up.
- IOS Version is v 2.0.1, minimum iOS 15.0 and up.
Our updated app will not work on older operating systems. If your device is using an older OS, please upgrade your device to the latest OS version. Once completed you will be able to download the latest version of the EBS Authenticator app.
If you have updated the app and are having trouble opening it, this could be due to battery saving settings on your device.
Go to Battery Settings on your device and turn off power saving.
Open Settings then Apps and scroll down to the EBS Authenticator App and select it.
Choose battery and make sure that the battery usage is unrestricted. The EBS Authenticator app should now open.
If you experience this then unfortunately the App update has not been successful and you will need to contact our Internet support team on 01 665 8075 for assistance. They will request a new 6-digit one-time-code so that you can pair your device again and login to Your Accounts Online.
How to set up SCA
Download the EBS Authenticator App from the Apple or Google play store to your smartphone or device and login with your Customer ID and Personal Access Code (PAC). Then you will be asked to enter your 6-digit one time code to pair your device. You are now set up for SCA for online banking.
Keep Up to Date
You can check if you have the latest version of the App by opening the Apple or Google Play Store on your paired device and searching for ‘EBS Authenticator App’. If there’s an updated version of the App click ‘update’ to install it.
Enabling notifications
When installing the EBS Authenticator App you may be asked to enable notifications. Enabling notifications allows us to send you secure automated messages when you log into Your Accounts Online.
— ALREADY REGISTERED FOR ONLINE BANKING —
What you need to do to get set up for SCA
Get the one time code (OTC)
When you register for online banking, an OTC will be posted to you. If you are already registered and need an OTC to pair your phone, then you can go to our 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
Download the app and login
Download the EBS Authenticator App from the Apple Store or Google Play. Log into the app using your Customer ID and PAC
Pair the device
Enter your 6-digit code into the App when prompted. Your device is now paired, and you are set up for SCA
Important facts to be aware of
You will need to download our Authenticator app to a smart device and set up Strong Customer Authentication (SCA) to access and use our online banking.
You can’t have more than one device paired to your online banking profile.
You can’t have more than one online account profile paired with the same device.
If you do not have your smart device with you, you can’t complete the authentication. This is to keep your account secure.
— FAQ —
Facing challenges?
Find answers to our frequently asked questions
This could be the default browser that your device is using. You could try using a different browser. If you are still getting an error message after changing your browser, then it could be caused by cookie settings or your cache/browser history. Please ensure that you have cookies enabled for the website. We also suggest that you delete your cache and browser history before attempting to pair your device again.
The first thing you need to do is call EBS Direct on +353 1 6658075 and let them know you’ve lost your phone. Phone lines are open 9.00 - 17.00 Monday to Friday. One of our agents will be able to unpair your device from your online banking profile and request a new one time code for you to pair a replacement/new phone.
This button allows you to generate a One-Time Passcode (OTP) to login to your accounts online. If you have not enabled notifications, or your phone cannot be reached when you are logging in, then after entering your customer ID and PAC, you will be prompted to generate an OTP in our Authenticator App. Simply enter the OTP in the field provided in your browser and click continue to complete authentication and login to online banking.
When installing our Authenticator App, you may be asked to enable notifications. Enabling notifications allows us to send you secure automated messages when 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.
This app is only used to complete SCA for online banking. It will not be used to send marketing messages. You are not required to enable push notifications for all apps on your device, you can just enable them for this app. 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.