Mobile banking app security | Ulster Bank Republic of Ireland

Only download mobile and iPad apps from official app stores such as Apple, Microsoft, Amazon App stores and Google Play. Our apps are only available on official app stores.

Be cautious about opening links contained in text messages or emails. Don't respond to unrecognised messages or phone calls, and remember Ulster Bank will never ask you for your full PIN or password.

If you do receive a suspicious email you can report it to us by forwarding it to phishing@ulsterbank.com. 

You can also forward any suspicious texts to the short code 88355. We will take it from there.

Keeping your mobile devices operating system up to date will ensure that you have the latest security patches and upgrades. Older software may have security vulnerabilities that could expose you to additional risks.

Think carefully before jail-breaking or rooting your device. We strongly advise against doing this as it may weaken the security of your device and expose you to additional risks.

Jailbreaking/Rooting is when you change the security settings of your phone to allow you to download 'unofficial' apps that are not available from the app store.

Before you can use our banking apps we validate your details to ensure you are protected from fraudsters trying to register on your behalf. We will ask you to confirm your Online Banking Customer Number (this begins with your date of birth (ddmmyy) and is followed by 4 digits), and your partial PIN and Password.

Whenever you use your mobile app we encrypt all information that is transferred from your device to us.

Encryption is a process where information is scrambled with a ‘key’ so it becomes unrecognisable. By keeping the key a secret between us and your app, nobody else can steal your information.

When you register for the app you are asked to set up a 5-8 passcode of your choice or enable fingerprint authentication. Every time you log into the mobile banking app you will be asked for one of these. If the app is closed, or the phone hibernates, the app will automatically log itself out.

Before any money is paid out of your account using the mobile banking app e.g. Pay Someone New, Pay Your Contacts or Get Cash, you must complete a second authentication process. You will only be asked to do this once. You will be prompted the first time you select to make a payment out of your account.

The app will send an activation code via a text message to the mobile number held on our systems, when you receive the code you must re-enter it into the app to active your 'Level 2' services and continue the payment.

Please note that if you have recently changed your mobile number or Anytime Banking PIN & Password then you must wait 72 hours before you can activate your 'Level 2' services.