We may text you and ask you to confirm a card transaction to help prevent fraud on your card.
We may text you when we are suspicious about how your card is being used, for example, if it is being used:
The text will come from +447537414900. This is a number for texting only and it won’t answer if you ring it. We will identify ourselves straight away as ‘AIB(GB)’. We will not ask you for account numbers or PIN numbers. We will ask you to confirm whether or not you made a transaction with a simple ‘Y’ or ‘N’ reply. If you are not happy to answer the text, you can call the number on the back of your card.
Here is a sample of the text we may send you. It will not identify you or your card:
AIB (GB): Please confirm spend with card ending 1234. DD/MM/YY GBP 000000000 at Amazon Digital. If this is yours, reply ‘Y’, if not reply ‘N’.
AIB (GB): Thank you for confirming spend of GBP 000000000 at Amazon Digital. It’s OK to continue using your card.
AIB (GB): Thank you for your reply. We have placed a hold on your card and it cannot be used. Our Fraud Team will contact you shortly.
If you reply ‘N’, we will place a hold on the card and get in touch with you to let you know what you need to do.
If you do not respond within three hours of receiving the original text we will send another message:
AIB (GB): We are unable to confirm spend on your card. We have placed a hold on your card. Please call us on the number on the back of your card.
‘Yes’ ‘Yep’ ‘Ye’ ‘Yeah’ will be treated as ‘Y.
‘Nope’ ‘Na’ will be treated as ‘N’.
For any other reply (for example ‘I don’t know’) within three hours, we will send another text:
AIB (GB): Your response is unclear. Please reply “Y” if genuine, “N” if you didn’t spend GBP 000000000 at Amazon Digital.
If you respond again with an unclear response within three hours, we will send a further text:
AIB (GB): We are unable to confirm spend on your card. We have placed a hold on your card. Please call us on the number on the back of your card.
At that point we may call you, but in any case we will send you this response:
AIB (GB): If you have not spoken to us already please call us on the number on the back of your card as soon as possible.
We send texts as soon as we suspect activity on your card that is outside normal patterns. This may be at any time of the day and on any day of the year.
No, if we have a mobile phone number for you, we will send you a text automatically whenever necessary.
Texts to alert you to possible fraud are an addition to our existing fraud detection programme. If we have a mobile phone number for you, we will include you.
The number that texts you will not answer if called. We send the text automatically when we notice something on your account that is outside your normal pattern. If you have any queries about the text you can call the number on the back of your card.
Receiving a text from us will cost you whatever your mobile phone operator charges you for receiving a text.
To reply to us will cost you whatever your mobile phone operator charges you for sending a text.
Call the number on the back of your credit or debit card and we will be able to confirm the mobile number we have for you.
We will text you and in some cases call you. We won’t email you because texting or calling is more immediate.
If we can’t reach you by text to ask you to confirm a card transaction, we will try to call you. If we are unable to make contact with you we will place a hold on your card and send you a letter and wait for you to call us.
