Shopping Online FAQs

Sometimes we will need to confirm it’s you through the EBS Cardmanager App when you buy things online. If we do, the Mastercard Identity Check’ screen will appear to prompt you to check the phone you enrolled on.  

• On your phone, tap on the notification to open it
• Enter your passcode for the app (this is the code you created when setting up the app)
• Check the details of the transaction
  • Press “confirm” if you are happy to confirm the transaction. Then enter your passcode for final confirmation  or,
  • Press “deny” if you are not happy to confirm the transaction
• Return to the online store to finish shopping.

Sometimes, when you shop online you will be asked to confirm it’s really you using the card.

No, you may not be asked to confirm it’s you if we think the purchase is low value or we consider it to be low risk.

Mastercard Identity Check is a fraud prevention service that helps to protect your Debit Card against unauthorised use when you shop online at participating retailers, this will be used along with the new EBS CardManager app to help confirm it’s really you using your card. 

The terms of service of Mastercard Identity check is now covered in your terms and conditions associated with your account.

Download the new EBS CardManager app from the App Store on your Apple Device or the Play store on your Android Device.

Step 1

• Enter your details

Step 2

• Read and accept the Regulatory Information

Step 3

• An Activation passphrase will be displayed
• Call the number shown on the screen; you can tap on it to make the call from your mobile If your phone can’t call the number shown, call us on 0818 303 563/or +353 818 303 563
• Answer a few security questions and tell us the passphrase.  Make sure you have your EBS Debit card to hand for this call
• Once complete, press “Next"

Step 4

• We’ll send a one-time passcode to your mobile, for you to enter on the app

Step 5

• Finally, you will be prompted to set up your own passcode to access the app. This is a 4 digit code  you will be asked to enter on the app each time you need to confirm a transaction
• For some devices, you may be asked to turn on Push notifications. If you are asked, please select “ok” as the app will not work without push notifications turned on.

You are set up and ready to use the app.

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.

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.

When you register for online banking a one-time code (OTC) will be posted to you. If you are already registered and need an OTC to pair your phone then you can go to the EBS 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. If you need help logging in or have forgotten your login details or would like to request a new OTC 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 & you have logged in it is no longer required.

For security reasons if the code is not used it will expire after 40 days. However you can login to Your Accounts Online to request a new one.

No, you can’t opt out or use a one-time passcode anymore.

If you have forgotten your passcode for the app, you need to enrol again and choose a new passcode.

When you open the app, there is a “Forgot your passcode?” link, click on this link and you will be brought back to enrol the app again.

To confirm your passphrase, please call 0818 303 563 any time. For all other queries, click below Monday - Friday 9am - 5pm.

A push notification is a message that pops up on a mobile device from the app. It’s an instant way to communicate with you.

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. 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.

The push notification is valid for 5 minutes.

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:

Android:
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.

Apple:
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 optimisation and then select the EBS Authenticator App and ensure it is not optimised.

You will need to turn on push notifications for the app to work.

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.

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 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.