AIB card reader

Random

i hate this. various companys adopting these machines are turning the "anytime banking" option into "anytime you're at home with your code machine handy" option.



my reading of it suggests that the code card will soon be no more.

any thoughts anyone?

verywell

Yea seems to be the way they are going. I think it is a complete nuisance!
Wish they would just p$ss off with their rubbish and let us control our own bank account our own way.

I certainly do not want another machine to look after and cart around if I need to do certain transactions on my laptop.

wmpdd3

The code card looks more secure than that little machine... A machine that reads your magnetic strip that's hooked up to your laptop.

Does that not sound like a hacking job I'd have loved 15 years ago?

Random

the machine isn't hooked up to your laptop. it's standalone. the ulster bank one works by putting in your card, entering your pin, putting in a challenge code and getting a response which you tap into the website.

Carne

Just logged into my online banking and I do see the option to order a card reader but you can still order a new code card if you want so I don't think they're forcing us to use it yet anyways.

Kintarō Hattori

Please excuse my ignorance but as a normal every day customer who uses internet banking do I have to get one of these? Are they phasing out the code card?

podgeandrodge

Carne wrote: »

Just logged into my online banking and I do see the option to order a card reader but you can still order a new code card if you want so I don't think they're forcing us to use it yet anyways.

well they nearly are - this is gonna cause problems if you don't carry the bloody card around with you everywhere. I used the code card as an electronic file in my email so I had it handy. Not much bloody good with this plastic thing I will now have to carry around. :mad:

dotsman

To be honest, don't blame the banks. Blame the dumba$$es who respond to phishing mails. People actually respond to mails, putting in all their details, including all 100 codes from the code card and then expect the bank to refund them when their accounts are emptied.

Personally, I would prefer the option of a code card and/or reader. Basically, if you don't want the reader, you get to keep the card for all functionality as long as you sign a statement that you are not going to complain to the bank should you be stupid enough to give thieves all your details.

podgeandrodge

dotsman wrote: »

Basically, if you don't want the reader, you get to keep the card for all functionality as long as you sign a statement that you are not going to complain to the bank should you be stupid enough to give thieves all your details.

How does this work - the picture I posted above suggests that there are changes to functionality - e.g limit changes and certain services?

dotsman

podgeandrodge wrote: »

How does this work - the picture I posted above suggests that there are changes to functionality - e.g limit changes and certain services?

Apologies for the confusion. That is what I was saying "I would prefer".

dudara

I have an RSA token to allow me access my RaboDirect account - it's pretty standard for European banks.

It's a good idea and should guarantee more secure transactions. But that card reader is a bit too bulky though. An RSA token that you could attach to your keyring would be much better.

lubie76

Are they havin a laugh?
Do they expect you to bring this around with you everywhere you need to do an online transaction. What about when you're travelling? I was backpacking in Asia recently and needed
my code card for loads of transactions online. I couldn't imagine bringing this machine around all the time or is it much smaller than it looks?

dotsman

I saw my friend's one today. It's slightly larger than a card and looked to be less than 1cm thick. It will fit in a pocket no problem so not too bulky, but at the same time, doesn't fit in your wallet so wouldn't see myself bringing it with me places unless i specifically knew I was going to need it.

To be honest, it's little different to the FOB from Rabo. I never bring it anywhere, because it's not in my wallet. With the code card, you have it anywhere you go. And that has been a huge help to me many a time.

TequilaMockingBird

I heard if you have free banking with AIB, the T&Cs you accept with this can allow them to change the free banking terms. No idea if it's true, but well worth checking before ordering.

I can't see the point myself, the code card is much handier.

snubbleste

Not everyone has an AIB laser/atm card..what do those folk do?

Also I don't like the way they say your first card reader is free of charge, it implies that you'll have to pay in future

voxpop

snubbleste wrote: »

Not everyone has an AIB laser/atm card..what do those folk do?

Also I don't like the way they say your first card reader is free of charge, it implies that you'll have to pay in future

You have to pay for a second or third - eg if you wanted to have 1 in work and 1 at home. Perfect example of replacing a simple good solution (code card) with a complex less good solution.

witchgirl26

To be honest I don't see the problem with this. Like others have said, it's a similar system to the Rabo one & to me is a lot more secure than the code card. I don't really use my code card that much so won't really affect my day to day internet banking.

pow wow

voxpop wrote: »

You have to pay for a second or third - eg if you wanted to have 1 in work and 1 at home. Perfect example of replacing a simple good solution (code card) with a complex less good solution.

Usually ones from different banks can be used interchangeably. My own bank has relaxed its use of the card readers (now it's for transactions over a certain threshold) as customers weren't happy about having to call up to make payments when at work etc. not having the card reader handy.

unclebill98

UB have this system. The reader is only needed to set up and do your first payment. After that you don't need it. Not sure why you they need to have it after that.

crossmolinalad

I got one now and will love it
its much more secure then the code card
A code card if you leave it unattended someone makes a copy of it and have access to your account
Its impossible to do that with a card reader

wmpdd3

I ordered one as I couldn't bring my self to que up in the bloody brance if i needed to make a change on my account.

vampyre

I have one and am fit to scream. It works on my card fine but when required for a request on Ma's account it loops back to the request page over and over. AIB said it was me (not dozens of times it wasn't), then said it was that the link wasn't completed between the card, reader and account and would work now and it didn't. However it did give an error code that time unlike before. Waiting on yet another call back from them. Bloke on phone was very nice but this is really annoying.

BTW card reader fits in my cc holder wallet, shame it's not working:rolleyes:

xi

vampyre wrote: »

BTW card reader fits in my cc holder wallet, shame it's not working:rolleyes:

Did you sit on it?

I have one aswell and find it much more secure, I keep it in the car, whether I'm at work or at home the car is always with me.

mickoneill30

crossmolinalad wrote: »

I got one now and will love it
its much more secure then the code card
A code card if you leave it unattended someone makes a copy of it and have access to your account

Yep. As long as you leave it with your eight digit registration number, your 5 digit password and whatever the 4 digits you specified as the extra password. Then they've access to your account.

vampyre

Well the problem they encountered with the card today won't be fixed for a week approx. Which means postal transactions which will take a lot longer. Pah!

68 lost souls

Just saw this on the AIB site now, going to be in college in AMerica next year and Spain after that, dont fancy adding this to the list of things I have to bring with me.

tapper

clearly very few people have read the information about the card reader. You don't have to carry it around with you, you can use any card reader from AIB. All it does is gives you a code, they aren't linked to your account or card.

hardCopy

This looks like a load of shyte.

AIB's biggest selling point for me is the ease of use of their website, I may leave now. I'm never going to carry that thing around with me.

Now my choices are:

-Continue with code card, continue paying my existing payees whenever I want, below €1000
-Move to a card reader and conduct all transactions at home

If you're going to restrict new payees to the card reader, at least allow us to keep the code card so that we can pay existing payees when away from home.

Bolloks to that!

hmmm

dotsman wrote: »

To be honest, don't blame the banks. Blame the dumba$$es who respond to phishing mails.

I wish the banks would be more forceful in dealing with those people who happily give all their details to phishers. It means the rest of us are forced to carry around these lead weights as a consequence. If they're incompetent enough to hand over all their details to some fraudster, ban them from your website before they injure themselves further.

take everything

What do you think of this.
Seems like a pain in the arse.
Don't really get what the problem is with the code card, which it replaces.
I thought the security standard was "something you know, something you possess" which the code card fulfils.
Anyone know why they're introducing it.

Mr E

Pain in the ass alright.

Already being discussed here.

stoneill

I get the impression that if you are doing some international transfers or even online purchases that you need this?
I never had to use the AIB code card, so does this mean I don't need the card reader? I would assume if it is required for all transaction then it would be sent to your address rather than being ordered.

blubloblu

stoneill wrote: »

I get the impression that if you are doing some international transfers or even online purchases that you need this?
I never had to use the AIB code card, so does this mean I don't need the card reader? I would assume if it is required for all transaction then it would be sent to your address rather than being ordered.

It's replacing the code card, if you haven't used that, you probably won't use the card reader.

brianwalshcork

hmmm wrote: »

ban them from your website before they injure themselves further.

I'd agree if it could be proven that they were a "victim" of phishing.... and not a card skimmer.

Bank of Ireland used to have a token type system (probably something similar to the Rabo setup) when I first started out with internet banking - 1997 or so... but they got rid of it about a year later... I always found it painful and was glad when they switched to the current system.

I'm still with BOI for my main accounts, and decent internet banking is an important feature (and BOI's is actually not bad now - there's still room to improve though!).
If I was to move banks, it's definitely one of the the few things I'd check out in advance... and this would put me off moving to AIB.

PTSB don't have this type of set up either.


There's no question that this (and the previous code card system ) are more secure than BOI... but at the price of convenience.

vampyre

The reader is honestly small and not a big deal to bring with you. If it is glitch free then it's fine. I would love it to replace the verified by visa system but that's not likely to happen.

BuffyBot

I thought the security standard was "something you know, something you possess" which the code card fulfils.

The code card is very easily copied. Code generating devices tied to your debit card, slightly less so.

dotsman

BuffyBot wrote: »

The code card is very easily copied. Code generating devices tied to your debit card, slightly less so.

Easily???

The only cases I'm aware of were fraudsters got access to the codes was from a few customers responding to phishing mails and entering in all 100 codes into the email!

Bar doing something as stupid as that, the code card is just as safe as the card reader!

Pwpane

Mr E wrote: »

Pain in the ass alright.

Already being discussed here.

This is a link to this self-same thread????

Pwpane

If you order the new card reader, you have to agree to revised terms and conditions.

Has anyone trawled through them to check what these new T&Cs are?

wmpdd3

I have aib, my other halg has boi, atleast with the card reader i can do things he has to request codes by post for. The least contact i have with the bank the better! I have yet to see online banking better than aib and i have set up th rest of my family on with their other banks.

Richard Dower

Got my card reader today, light and compact....slightly bigger then a Laser card in width/height, but it's not exactly thin. It's OK to fit in your pocket....i have it in my lappy bag.

Easy to use and activate, i wonder how long the battery lasts?....i'd also like to know what exactly has changed in T&C, can't be arsed reading them....i mean, does anyone?

alejandro1977

I live in the UK

Lloyds have a very similar system - you can still check your balance and do transfers between your own accounts.

My Ulster Bank is also very similar - you can still check your balance and do transfers between your own accounts. You can pay many bills.

If you need to do a transfer to a third party you can still telephone.

Sounds like a lot of people are getting their knickers in a twist. The same people would be complaining if their accounts were compromised

alejandro1977

hmmm wrote: »

I wish the banks would be more forceful in dealing with those people who happily give all their details to phishers. It means the rest of us are forced to carry around these lead weights as a consequence. If they're incompetent enough to hand over all their details to some fraudster, ban them from your website before they injure themselves further.

that's not the only issue, PINs and Passwords only provide a certain level of security and can be compromised by viruses etc

NicoleL88

I need to order an estatement online and its telling me:

Please enter the following code from your active Code Card, your active Code Card reference number is ***** ****:

What? How the flip do I use the card reader thingy to get this...

vampyre

Have you activated the card reader on your account. Until that is done the system assumes you''re still using the code cards.

NicoleL88

Ah, that might be the problem. How do I activate it?

Edit: There we go! Ta!

Whitehawk

Anyone know is there any cost for having one of these, dont want to get it and then find out there some running cost soon or something crap like that!

cookie1977

no cost to having one but if you loose it or break it I think there's a 5.50 euro replacement fee

http://www.aib.ie/servlet/Satellite?c=SC_Content&cid=1291806113056&pagename=SecurityCentre/sc_main&section=S003#Q4

Whitehawk

cool thanks, seen as tho there was lots of neg on this post to it back a while back, anyone got anything to say now after maby useing it etc!

cookie1977

I like it. Have been using it for a couple of months now. It's simple enough. I've had a rabobank account for a long time and I have a similar device, so maybe I'm more used to using it. The only thing that drives me mad is if I forget it and need it.

bk

I have both the AIB and Ulster Bank code cards and interestingly the Ulster Bank ATM card (Visa Debit) works in the AIB card reader.

Unfortunately the AIB card only works in the AIB card reader.

I'm guessing this is because the AIB card is a laser/maestro card and that hopefully when AIB switch over to Visa Debit, it will work in the Ulster Bank card reader.

It is very handy having two card readers, being able to leave one at work and one at home.