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New banking access setup from today: AIB

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  • 14-09-2019 11:14am
    #1
    Calahonda52
    Registered Users Posts: 12,195 ✭✭✭✭


    Need to implement this on a joint account where the account holders don't speak!
    .
    .
    Options are mobile phone verification with the mobile app or the card reader.

    Two questions:
    Is the mobile app the full banking app or just a verification app?

    How can two mobile phone numbers be used?

    “I can’t pay my staff or mortgage with instagram likes”.



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    #2
    Spocker
    Moderators Posts: 6,851 ✭✭✭Spocker


    Calahonda52 wrote: »
    Need to implement this on a joint account where the account holders don't speak!
    .
    .
    Options are mobile phone verification with the mobile app or the card reader.

    Two questions:
    Is the mobile app the full banking app or just a verification app?

    How can two mobile phone numbers be used?

    The AIB Mobile App is a full banking app, and from today onward you can use it to setup SCA. Because you asked that question, I'm assuming you haven't used it before, on that account - a quick read of the AIB FAQ seems to suggest that there can be multiple users for the account, and thus two different mobile phones. I can't say for sure though, so the best thing to do is ask AIB directly


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    #3
    Calahonda52
    Registered Users Posts: 12,195 ✭✭✭✭Calahonda52


    Spocker wrote: »
    The AIB Mobile App is a full banking app, and from today onward you can use it to setup SCA. Because you asked that question, I'm assuming you haven't used it before, on that account - a quick read of the AIB FAQ seems to suggest that there can be multiple users for the account, and thus two different mobile phones. I can't say for sure though, so the best thing to do is ask AIB directly

    Thanks, downloaded the App, seems my phone is rooted so it would not install.
    Its a OnePlus2.

    Will stick with the card reader option for now

    “I can’t pay my staff or mortgage with instagram likes”.



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    #4
    drunkmonkey
    Registered Users Posts: 28,118 ✭✭✭✭drunkmonkey


    It's a bummer it won't allow rooted phones I'm not sacrificing YouTube on Android auto for the aib app.


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    #5
    Bikerman2019
    Closed Accounts Posts: 992 ✭✭✭Bikerman2019


    The new system doesnt work!


    My mate came over to send an international payment and he couldnt get the text message authorisation.


    Yesterday I tried to do something and I didnt get the text message either. I read somewhere there was an issue with service messages to Virgin mobile, but I am with Eir.


    However, when I rang AIB, they knew all about it. Work in progress it appears.


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    #6
    Atlantic Dawn
    Registered Users Posts: 81,180 ✭✭✭✭Atlantic Dawn
    M


    Why can't they just follow other banks and have a verification code sent to your phone? Don't like the idea of installing banking app on my phone which basically tells anyone who can access my phone what bank accounts I have.


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    #7
    Purple Mountain
    Registered Users Posts: 13,012 ✭✭✭✭Purple Mountain


    Atlantic Dawn wrote: »
    Why can't they just follow other banks and have a verification code sent to your phone? Don't like the idea of installing banking app on my phone which basically tells anyone who can access my phone what bank accounts I have.
    Now theres a quick access button that you can get your balance without logging on at all.
    I don't know if you can hide that option, hopefully you can.

    To thine own self be true



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    #8
    Alun
    Registered Users Posts: 21,421 ✭✭✭✭Alun


    Purple Mountain wrote: »
    Now theres a quick access button that you can get your balance without logging on at all.
    I don't know if you can hide that option, hopefully you can.
    It's been there for ages and you can turn it off in the settings menu.


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    #9
    Alun
    Registered Users Posts: 21,421 ✭✭✭✭Alun


    Atlantic Dawn wrote: »
    Why can't they just follow other banks and have a verification code sent to your phone? Don't like the idea of installing banking app on my phone which basically tells anyone who can access my phone what bank accounts I have.
    SMS verification codes can be problematic with some mobile operators, and are also open to various exploits.

    How does just installing a banking app on your phone tell anyone what accounts you have?


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    #10
    OU812
    Registered Users Posts: 6,035 ✭✭✭OU812


    Question.

    Why are banks using SMS codes rather than something more secure like Authy?


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    #11
    the hedgeman
    Registered Users Posts: 1,186 ✭✭✭the hedgeman


    Alun wrote: »
    SMS verification codes can be problematic with some mobile operators, and are also open to various exploits.

    How does just installing a banking app on your phone tell anyone what accounts you have?

    I'm using the sms verification codes sent by a.i.b. and had no problems receiving them.


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    #12
    Alun
    Registered Users Posts: 21,421 ✭✭✭✭Alun


    Calahonda52 wrote: »
    Need to implement this on a joint account where the account holders don't speak!

    How can two mobile phone numbers be used?
    If it's a joint account then each account holder will have their own AIB 24hr/mobile banking profile with their own registration number and PAC. They'll each be able to set it up on their own phones.


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    #13
    Alun
    Registered Users Posts: 21,421 ✭✭✭✭Alun


    the hedgeman wrote: »
    I'm using the sms verification codes sent by a.i.b. and had no problems receiving them.
    I said can be problematic. Some providers like Virgin that don't have their own network and piggyback onto other networks, Three in this instance, seem to have problems with receiving verification SMS codes from all kinds of sources. Also if you're travelling and are roaming on some oddball foreign network, problems can occur too, when you least need them.


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    #14
    Calahonda52
    Registered Users Posts: 12,195 ✭✭✭✭Calahonda52


    Alun wrote: »
    If it's a joint account then each account holder will have their own AIB 24hr/mobile banking profile with their own registration number and PAC. They'll each be able to set it up on their own phones.
    Its a joint account but we never had two sets of access..
    I did all the finances up to two years ago, now living elsewhere so issues...:eek:

    “I can’t pay my staff or mortgage with instagram likes”.



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    #15
    JohnC.
    Registered Users Posts: 3,374 ✭✭✭JohnC.


    It worked for me today. I tried logging in on a desktop browser and it needed me to press a button which automatically came up on my phone via the app.

    And for those asking about SMS, that is the least secure 2 factor authentication system, so it's good it isn't relying on that.


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    #16
    bb12
    Registered Users Posts: 877 ✭✭✭bb12


    can't get this to work. am with vodafone using android. the desktop site keeps timing out when trying to authenticate. i can log into my accounts though the app on my phone.


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    #17
    johnb25
    Registered Users Posts: 503 ✭✭✭johnb25


    Calahonda52 wrote: »
    Thanks, downloaded the App, seems my phone is rooted so it would not install.
    Its a OnePlus2.

    Will stick with the card reader option for now

    I have been using the AIB app for years on my OnePlus X, Android 6.0.1. This weekend I tried setting up the new authentication, and I get the message that the phone is rooted. It definitely is not rooted. If you have had your phone from new you would know if it was rooted.


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    #18
    SusanC10
    Registered Users Posts: 2,432 ✭✭✭SusanC10


    We are sticking with the Card Reader for the moment. Working fine.


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    #19
    charlietheminxx
    Registered Users Posts: 2,579 ✭✭✭charlietheminxx


    I've tried to set it up but the browser keeps freezing. I hope they sort the kinks out soon.


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    #20
    FishOnABike
    Registered Users Posts: 4,354 ✭✭✭FishOnABike


    What is the oldest version of Android supported by the current AIB android app?



    Most phones stop getting Android updates after two years or so. Google's licencing agreements only mandate updates for two years. The only way to keep most older phones up to date is by installing a custom ROM.


    It seems inconsistent that I can have full access to my account using a browser on the same phone the AIB app does not allow because it sees it as rooted.



    Similarly I could use an out of date browser on a PC, with no firewall, anti-virus or security updates applied in years, using an administrator (or root) account and directly connected to the internet.



    It makes little sense that a phone with the latest security patches cannot use the app but an ancient PC, leaky as a sieve, can have unfettered access.


    I hope AIB have a rethink on blocking phones with cusom ROMs. It's a serious inconvenience.


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    #21
    GerardKeating
    Registered Users Posts: 7,528 ✭✭✭GerardKeating


    the hedgeman wrote: »
    I'm using the sms verification codes sent by a.i.b. and had no problems receiving them.

    It's mostly fine when it ireland, but less so when abroad, I found the SMS arriving hours later.


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    #22
    Debub
    Registered Users Posts: 706 ✭✭✭Debub


    We did this yesterday - it took a few attempts (so obviously not working seamlessly at the moment), but finally did get it to work - using a laptop and Tecso network on the mobile (ios)


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    #23
    Seamai
    Closed Accounts Posts: 2,250 ✭✭✭Seamai


    Tried to log on to the app and got a notice saying my device was "rooted" so I cannot access my details, tried to access it using AIB website on my phone browser but same story there so I called AIB, the guy I got was about as useful as tits on a bull and kept repeating " you need to contact your mobile provider" which is Vodafone, they were even less helpful (nothing new there) all she could tell me was to download an app called SuperSU which is no longer available in the Google play store.
    Any suggestions?


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    #24
    banie01
    Registered Users Posts: 16,475 ✭✭✭✭banie01


    Even with AIB app tagged in Magisk hide it flags as rooted.
    Not a huge issue but a PITA if running a custom ROM or using older hardware.


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    #25
    SusanC10
    Registered Users Posts: 2,432 ✭✭✭SusanC10


    Seamai wrote: »
    Tried to log on to the app and got a notice saying my device was "rooted" so I cannot access my details, tried to access it using AIB website on my phone browser but same story there so I called AIB, the guy I got was about as useful as tits on a bull and kept repeating " you need to contact your mobile provider" which is Vodafone, they were even less helpful (nothing new there) all she could tell me was to download an app called SuperSU which is no longer available in the Google play store.
    Any suggestions?

    Order a Card Reader from them. At least that way you will be able to access Online Banking. And hopefully AIB will then sort out any glitches.


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    #26
    Seamai
    Closed Accounts Posts: 2,250 ✭✭✭Seamai


    SusanC10 wrote: »
    Order a Card Reader from them. At least that way you will be able to access Online Banking. And hopefully AIB will then sort out any glitches.

    I have a card reader but I'm abroad at the moment, how would the card reader work since I am not able to access the website in any shape or form via my mobile.


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    #27
    Jacovs
    Registered Users Posts: 1,714 ✭✭✭Jacovs


    Just did it there. The 6 digit code displayed on the App automatically a second or 2 before I got the text with the code. Only took about 10 seconds for the whole process.


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    #28
    FishOnABike
    Registered Users Posts: 4,354 ✭✭✭FishOnABike


    AIB app refusing to run on custom ROM is highly annoying. I've checked with several root check apps and none report my phone as being rooted, Google Play Protect reports device status as 'certified'. The app appears to be being over zealous in blocking devices.


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    #29
    banie01
    Registered Users Posts: 16,475 ✭✭✭✭banie01


    FishOnABike wrote: »
    AIB app refusing to run on custom ROM is highly annoying. I've checked with several root check apps and none report my phone as being rooted, Google Play Protect reports device status as 'certified'. The app appears to be being over zealous in blocking devices.

    Ditto, I'm running a custom ROM albeit play certified and AIB have it blacklisted.
    Will have a play around with some xposed modules during the week and see if I can get around it.


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    #30
    Seamai
    Closed Accounts Posts: 2,250 ✭✭✭Seamai


    FishOnABike wrote: »
    AIB app refusing to run on custom ROM is highly annoying. I've checked with several root check apps and none report my phone as being rooted, Google Play Protect reports device status as 'certified'. The app appears to be being over zealous in blocking devices.

    I've run 5 different root check apps and all are me me that my phone is not rooted, so I called AIB again, she just kept saying that there was obviously a security issue with my phone and I could access my account using the card reader which I've not had reason to use once in the last 5 years so why would I have it with me on holidays? When I asked her if I'd be able to use the mobile app again her response was "I doubt it on your current device unless we make changes down the road" Bloody Great!


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    #31
    FishOnABike
    Registered Users Posts: 4,354 ✭✭✭FishOnABike


    I think the problem is more with their app and whatever method it uses to decide if a phone is rooted or not.

    Can AIB provide any policy statement as to what level of Android (or iOS) backwards compatibility they will guarantee to support in their app or are customers expected to get a new phone every two years yo be able to access mobile banking?

    Paradoxically blocking non-rooted custom ROMs from running the app is likely to result in deeper hacks to circumvent the restriction, possibly increasing the potential attack surface of a device.


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