Verified by Visa Debit Card FAQs
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What is Verified by Visa?
Verified by Visa protects your debit card against unauthorised use when you shop online at participating retailers.
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How do I identify a participating retailer?
You’ll see this logo on the participating retailer’s website:
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How much does it cost to use the Verified by Visa Service?
It’s free to use the Verified by Visa service.
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Do I need to register my Debit card for the Verified by Visa service?
No, all cards are automatically registered for the service. All you need to do is make sure your mobile number is registered with us, because we may send you a one time passcode (OTP) to complete the online transaction.
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What is an OTP?
OTP is a ‘’one time passcode’’. It’s a random number we send to your mobile number registered with us. When you enter it, it allows the Bank to identify you and ensures that a greater level of security is applied to your transaction.
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How does it work?
When you use your card online with a retailer who uses the Verified by Visa service, a Verified by Visa screen will appear, if authentication is required. You enter the OTP we sent to you by text message. This confirms your identity. When the transaction goes ahead you are accepting our Verified by Visa Terms and Conditions.
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How will I know the text is from Allied Irish Bank (GB)?
The sender ID on the text message from Allied Irish Bank (GB) will be AIB GB. We will not ask you for account numbers or PIN numbers. We will only provide the OTP in the text message. We will not request you to respond to the text message.
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What will the text say?
Here is a sample of the text we may send you. It will not identify you or your card:
AIB GB: For your online transaction at Amazon Digital for GBP 000000000, please use this Verified by Visa One Time Code; 12345678 within five minutes. Thank you.
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How long is the OTP valid for?
It’s temporary and designed to be used for one transaction and lasts for five minutes.
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What if I did not receive my OTP within 5 minutes? v
If you do not receive your OTP within five minutes, click on the ‘’Send new one time passcode’’ link on the Verified by Visa screen and a new OTP will be sent.
Please contact us at 028 9033 0099.
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What if I did not receive my OTP after clicking on the "Send new one time passcode" link?
Please contact us at 028 9033 0099.
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My OTP is blocked, what should I do?
The registered mobile number is a mobile number which we have on record for you. We will show the last 4 digits of your mobile number on the Verified by Visa screen when we send you the OTP. You may not be able to proceed with your online purchase if we do not have a valid mobile number registered for you. You can register your mobile number with us, by calling us on (028) 9033 0099.
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What is the registered mobile number?
Please contact us at 028 9033 0099.
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How can I check what number you have on file in order to text me?
Please contact us at 028 9033 0099.
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How do I change my mobile number?
Please contact us at 028 9033 0099.
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What if I don’t have a mobile phone or experience difficulty using the service?
Please contact us at 028 9033 0099.
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Can I opt out of receiving OTP's?
No, all cards are automatically registered for the service and if you use your card to make an online purchase with a retailer who uses the Verified by Visa service where authentication is required, you will be prompted to enter the OTP sent to you through text message.
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Is there a cost to receive the OTP?
Charges may vary – please refer to your service provider.
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Can I choose not to proceed with the payment?
Yes, you can click the cancel button on the Verified by Visa screen and this will take you back to the retailer’s website.
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AIB Group (UK) p.l.c. is covered by the Financial Services Compensation Scheme, Financial Ombudsman Service and is a Registered Firm with The Lending Standards Board.
The AIB logo, Allied Irish Bank (GB) and Allied Irish Bank (GB) Savings Direct are trade marks used under licence by AIB Group (UK) p.l.c. incorporated in Northern Ireland. Registered Office 92 Ann Street, Belfast BT1 3HH. Registered Number NI018800. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.