Online Banking FAQs

Online banking with EBS is a handy way to manage your money. All you need to do is fill out a form, send it to us by post, and we’ll get you set up.

1. The first step is to complete the application form (PDF, 2 pages, 35.8KB). Click here to open the form. Please note before signing you need to confirm that you have read and accepted

(a) the terms and conditions (PDF, 16 pages, 701KB)
(b) our Data Protection Information and the
(c) EBS Privacy Policy.

If the second window doesn’t appear after you have clicked ‘print’ you may have to check your browser pop up settings as a pop up blocker will prevent the window opening.

2. Post the printed form to us here at EBS Internet Applications, and we’ll have you up and running as quick as we can (the address can be found at the top of the form).

It should take roughly one week for you to receive your new online banking codes We’ll send you three key numbers which you can use to access your accounts online:

1. The first is your Customer ID, which you’ll receive by post. If you supplied us with an email you’ll receive it in your inbox too. You will need to enter this code every time you login to online banking.
   
2. The second number is your 6-digit one-time code, this will be sent by post and is used to pair your smartphone or device with your online banking profile. Once you have paired your device you no longer need this code.
   
3. The third number is your PAC (Personal Access Code), which we’ll send to you separately by post. Whenever you login to EBS online banking you will be asked to enter 3 digits of your PAC.

When you have received your PAC please phone our Internet Support Team on (+353 1 ) 6658075 between 9am and 5.00pm Monday to Friday and they will activate your PAC for you.

We want to keep your account safe as can be, so for security reasons, you can’t change your customer ID or PAC to one of your choice.

If you haven’t received your one-time code please login to EBS Your Accounts online to check when it was posted and the address it was sent to. You can login by entering your Customer ID & PAC. Once you have logged in details of the status of your one-time code will be displayed on screen. Alternatively you can contact our internet support team on 01 6658075 between 9am and 5pm Monday to Friday.

No problem, simply login to online banking using your Customer ID and PAC and follow the steps to request a new code. Alternatively you can contact our internet support team and they will do it for you.

Under European legislation Financial Institutions must apply an added layer of customer authentication for online banking. Find out all you need to know about SCA including how to get set up.

We want to keep your account safe as can be, so for security reasons, you can’t change your Customer ID or PAC to one of your choice (it’s for the best, honest).

Don’t worry. Just contact the EBS Internet Support team at (+353 1) 665 8075, who will sort you out.

When you have received your PAC please phone our Internet Support Team on (+353 1) 6658075 between 9am and 5.00pm Monday to Friday (excluding Bank holidays) and they will activate your PAC for you.

Unfortunately not, as you don’t have your device you cannot complete authentication. This is to keep your account secure.

The first thing you need to do is call EBS Direct and let them know you have lost your phone. Phone lines are open between 9am and 5.00pm 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 device.

To help resolve this we suggest you clear the full cache on your internet browser. This can be done within the settings of your internet browser or mobile device and we have included some step by step guides below, for some common browsers.

Chrome

1. On your computer, open Chrome.
2. At the top right, click More.
3. Click More tools Clear browsing data.
4. At the top, choose ‘All Time’ as the time range.
5. Next to "Cookies and other site data" and "Cached images and files," check the boxes.
6. Click Clear data.

Safari

1. Click on the Safari drop-down menu and select Preferences.
2. Click the Advanced tab. Select the Show Develop menu in menu bar checkbox and close the Preferences window.
3. Select the Develop drop-down menu. Click Empty Cache.
4. Note: You may want to also clear your browser history.

Chrome app (the default Android web browser)

1. Tap the three-dot dropdown menu on the top right-hand corner of the browser
2. Tap "History" on the dropdown menu.
3. Tap on “Clear Browsing Data…”
4. Tap on the “Advanced” tab
5. Choose “All Time”
6. Check "Cached images and files" and “Cookies and Site Data”
7. Tap "Clear Data" at the bottom of the page.

Safari for iPhone & iPad

1. Open Settings.
2. Swipe down and tap Safari.
3. Swipe down again and tap Clear History and Website Data, tap it once again to confirm.

Owe your pal for that cinema ticket, or just need to save some extra cash this month? You can easily move your money between your own accounts or to an external account.

1. Click on ‘I Want to’ in the navigation menu on the top right of the screen.

2. A panel box will appear at the top of the page.

3. There are 3 transaction types: ‘Move money’, ‘Pay a bill’, and ‘Pay a new beneficiary.’ The default selection is ‘Move money’ so you are all set.

4. Click on ‘From account’ and you can select the account from which the funds are moving.

5. Then, select ‘To account’ to choose the account where the funds will be moved to.

6. You then type in the amount you wish to move.

7. Click ‘Continue’ and the confirmation dialog box will appear on screen. Enter the requested digits of your PAC and click confirm to approve the transaction.

Handy Tip: the PAC may not be asked for in sequential order (for safety reasons, of course).

No one likes paying bills. But at least it’s painless online. All you need to do is:

1. Click on ‘I Want to’ in the navigation menu on the top right of the screen.

2. A panel box will appear at the top of the page.

3. There are 3 transaction types: ‘Move money’, ‘Pay a bill’, and ‘Pay a new beneficiary.’ The default selection is ‘Move money’ so change it to ‘Pay a bill’

4. Once you have selected your transaction type, you can click on ‘From account’ and choose the account you want to pay the bill from.

5. Then, click ‘To account’ to select the bill you want to pay.

6. You then type in the amount you wish to pay.

7. Click ‘Continue’ and the confirmation dialog box will appear on screen. Enter the requested digits of your PAC and click confirm to confirm the transaction.

Handy Tip: the PAC may not be asked for in sequential order (for safety reasons, of course).

Before you can transfer the money to another account, you’ll need to set them up as a beneficiary. Bill payments will be set up in real time but other accounts (payees) will take a little longer. This is to protect against fraud.

Setting up a new bill

1. Click on ‘I Want to’ in the navigation menu on the top right of the screen.

2. A panel will appear at the top of the page.

3. There are 3 transaction types, move money, pay a bill and pay a new beneficiary. The default selection is ‘move money’, change this to ‘Pay a New Beneficiary’

4. You are now in the ‘Manage’ section (You will see that it has turned red in the top menu) and are given the option to create a new bill or beneficiary.

5. To set up a bill, select ‘ A New Bill’ at the top of the page

6. Then choose a company name from the dropdown list and enter your reference number and a nickname for the bill. Once you’ve done that click ‘Continue’.

7. The confirmation dialog box will pop up on your screen. Enter the requested digits from your PAC and click confirm.

8. A push notification will be sent to your paired device, click ‘confirm’ to authorise the bill set up and you are all done. Make sure you have enabled notifications or you may not be able to complete authentication.

Setting up a new Payee

1. Click on ‘I Want to’ in the navigation menu on the top right of the screen.

2. A panel will appear at the top of the page.

3. There are 3 transaction types, move money, pay a bill and pay a new beneficiary. The default selection is ‘move money’, change this to ‘Pay a New Beneficiary’

4. You are now in the ‘Manage’ section (You will see that it has turned red in the top menu) and are given the option to create a new bill or beneficiary.

5. To set up a new account, select ‘ A New Payee’ at the top of the page

6. Enter the required details and click continue.

7. The confirmation dialog box will pop up on your screen. Enter the requested digits from your PAC and click confirm.

8. A push notification will be sent to your paired device, click ‘confirm’ to authorise the new payee set up. Make sure you have enabled notifications or you may not be able to complete authentication. The payee will be displayed in your beneficiares by close of business on the next working day.

No longer need a person on your account, or just need to edit a few details? You can do this in no time:

1. Click on ‘Manage’ in the navigation menu on the top right of the screen.

2. All your beneficiaries will be listed on the screen. As you move the mouse over each one of the options, ‘Pay, Amend, Delete’ will appear below the name of the beneficiary.

3. If you click ‘Amend’ the payee details will appear and you can amend or delete the details. For security reasons you cannot amend the IBAN. To change the IBAN you will need to set up a new payee.

Payments can only be made to countries within the European Economic Area (EEA).

These countries are:

Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom.

Plus: Norway, Iceland, Liechtenstein, Monaco, & Switzerland.

Click on one of the icons below and search for ‘EBS Authenticator’.

You will need to download the EBS Authenticator app to a smart device and set up Strong Customer Authentication (SCA) to access and use EBS online banking. 

To use online banking you’ll need to be set up for SCA. The only way to do this is with the Authenticator App on your smartphone or tablet.

If you don’t have your 6-digit one-time code login by entering your Customer ID & PAC. Once you have logged in details of the status of your one-time code will be displayed on screen. You can request a new one-time code. Alternatively you can contact our internet support team on 01 6658075 between 9am and 5.00pm Monday to Friday. More about the 6-digit code.

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.

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.

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.

This could be due to the default browser that your device is using. To resolve the issue you could try using a different browser.

To help you change your default browser, we have provided some steps below which work for most Samsung/Huawei devices. These steps are often device dependent and if those provided below do not work you should look up how to change the default browser for your specific device make and model in order to complete this step.

If you are still getting an error message after changing you default 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/ browser history before attempting to pair your device again.

This can be done within the settings of your internet browser or mobile device and we have included some step by step guides below, for some common browsers.

Chrome

1. On your computer, open Chrome.
2. At the top right, click More.
3. Click More tools Clear browsing data.
4. At the top, choose ‘All Time’ as the time range.
5. Next to "Cookies and other site data" and "Cached images and files," check the boxes.
6. Click Clear data.

Safari

1. Click on the Safari drop-down menu and select Preferences.
2. Click the Advanced tab. Select the Show Develop menu in menu bar checkbox and close the Preferences window.
3. Select the Develop drop-down menu. Click Empty Cache.
4. Note: You may want to also clear your browser history.

Chrome app (the default Android web browser)

1. Tap the three-dot dropdown menu on the top right-hand corner of the browser
2. Tap "History" on the dropdown menu.
3. Tap on “Clear Browsing Data…”
4. Tap on the “Advanced” tab
5. Choose “All Time”
6. Check "Cached images and files" and “Cookies and Site Data”
7. Tap "Clear Data" at the bottom of the page.

Safari for iPhone & iPad

1. Open Settings.
2. Swipe down and tap Safari.
3. Swipe down again and tap Clear History and Website Data, tap it once again to confirm.

No it's not possible to have more than one device paired to your online banking profile.

Unfortunately it’s not possible to have more than one Your Accounts Online profile paired with the same device.

The first thing you need to do is call EBS Direct on 353 1 6658075 and let them know you have lost your phone. Phone lines are open between 9am and 5.00pm 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 device.

Unfortunately not, as you don’t have your device you cannot complete authentication. This is to keep your account secure.

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 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.

This could be due to the default browser that your device is using. To resolve the issue you could try using a different browser.

To help you change your default browser, we have provided some steps below which work for most Samsung/Huawei devices. These steps are often device dependent and if those provided below do not work you should look up how to change the default browser for your specific device make and model in order to complete this step.

If you are still getting an error message after changing you default 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/ browser history before attempting to pair your device again. Further information is provided below.

It may help resolve the issue to clear the full cache on your internet browser. This can be done within the settings of your internet browser or mobile device and we have included some step by step guides below, for some common browsers.

Chrome

1. On your computer, open Chrome.

2. At the top right, click More .

3. Click More tools Clear browsing data.

4. At the top, choose ‘All Time’ as the time range.

5. Next to "Cookies and other site data" and "Cached images and files," check the boxes.

6. Click Clear data.

Safari

1. Click on the Safari drop-down menu and select Preferences.

2. Click the Advanced tab. Select the Show Develop menu in menu bar checkbox and close the Preferences window.

3. Select the Develop drop-down menu. Click Empty Cache.

4. Note: You may want to also clear your browser history.

Chrome app (the default Android web browser)

1. Tap the three-dot dropdown menu on the top right-hand corner of the browser

2. Tap "History" on the dropdown menu.

3. Tap on “Clear Browsing Data…”

4. Tap on the “Advanced” tab

5. Choose “All Time”

6. Check "Cached images and files" and “Cookies and Site Data”

7. Tap "Clear Data" at the bottom of the page.

Safari for iPhone & iPad

1. Open Settings.

2. Swipe down and tap Safari.

3. Swipe down again and tap Clear History and Website Data, tap it once again to confirm.

We suggest the following-

Ensure JavaScript is enabled
JavaScript is a programming language that is run by most modern browsers. Online banking requires that JavaScript is enabled in your browser in order to use the site. Check your browser settings to ensure it is enabled.

Ensure ‘cookies’ are enabled
EBS uses cookies to enhance your browsing experience and to create a secure and effective website for our customer. Click here to find out more about the EBS Privacy and Cookies policy. You can check if cookies are enabled in your browser settings.

Check your cache is empty
Internet browsers try to do their part to speed up the loading process for webpages. The first time you visit a site, the browser will save pieces of the site to it’s ‘cache’. When you revisit the webpage the browser can then load the saved files much faster than it can pull fresh files from a server. These files in the cache may cause a conflict and deny you access to the site so if you are having trouble try emptying your cache.

Disable Add Ons.
Add Ons and plugins can sometimes interfere with your browsers functionality causing problems logging in. In some cases these must be disabled in order to login.

EBS Your accounts online is designed to give you the best possible user experience across a range of popular browsers and operating systems. We recommend the latest versions of the following browsers.

Chrome
Firefox
IE
Safari

Other Settings
EBS recommends that your browser is enabled to support:
128 bit encryption
Cookies
Cascading Style Sheets (CSS) 2

Display Settings
EBS recommends that customers view Online Banking with a screen resolution of 1024 x 768, or higher, with 16 bits colour depth.

This could be due to your Popup Settings. Popups are widely used for internet advertising, whereby a new browser window appears on your screen containing an ad. Web browsers allow you to block popups and this blocker will prevent the document you want to print from opening. When you select ‘print’ some browsers, like Chrome, will display a message in the address bar to tell you that popups are blocked on this webpage. If you click on the message it will allow you to change your setting for online banking. Alternatively you can change it in your browser settings.

EBS Your accounts online is designed to give you the best possible user experience across a range of popular browsers and operating systems. We have tested the site across a multitude of browsers and noted that in some instances (dependant on browser settings) users of Internet Explorer 11 may see a blank webpage when they click on the link for online banking. Users who experience this should simply reload/ refresh the page and it will appear correctly in their browser. Pressing ‘F5’ on your keyboard will refresh the page or alternatively you will see a circular arrow symbol in the address bar which will refresh the page. We are working to resolve this issue and hope to have it fixed soon.

A jailbroken or rooted device is where a device is modified to eliminate security layers designed to protect your personal information and your mobile device. With this security removed from your mobile device, hackers may steal your personal information, damage your device, attack your network, or introduce malware, spyware, or viruses.

Jailbroken or rooted devices are not compatible with the EBS Authenticator App. When the app is installed it performs a series of checks to determine if the device is safe for running the Authenticator App — if the security checks have not been successful for example a jailbroken or rooted device is identified our app will not run. This security feature is for the protection of our customers and their accounts.