KBC Bank Ireland Security Centre

Security Guidance

About Our Website

Threats to your Online Access

Security Guidance

This section contains information about how to help us maintain the security of the website.

Dos and don’ts

  • DO: Keep your PC up-to-date with the latest browser version, security patches, anti-virus software and use a personal firewall.
  • DO: Contact us if you receive a fraudulent email purporting to come from KBC Bank Ireland which asks for personal details or asks you to click a link to our login page.
  • DON’T use unfamiliar computers or internet cafés to enter personal information.
  • DON’T click on any links within unsolicited or fraudulent looking emails.

Update your Browser

Using the latest version of your internet browser software will always help to make your internet sessions more secure, so it is important you keep your browser software up-to-date. KBC Bank Ireland's website supports the following browser types;

  • Chrome 34+
  • IE8+
  • Safari 6+
  • Firefox 8+

Protect against Viruses and Spyware

Collectively referred to as 'Malware', malicious software such as viruses, trojans and spyware are software programs which are designed to cause damage to a computer system or to your privacy.

Malware usually gets onto your PC from infected files you download from websites or open as email attachments. You might be tricked into installing it yourself, but sometimes they can self-install just by visiting a malicious website. One common trick is to offer you a seemingly useful free game or utility, which unknown to you, also includes a virus or trojan. By installing these files, you install the malware.

The most practical advice we can offer you is:

  • Install an Anti-Virus product and regularly install the updates. Most products automatically update but you should check that they are doing so periodically.
  • Don't open email attachments without ensuring they are first scanned for viruses. Don’t open unsolicited emails or click any links in an email, however genuine it may look.
  •  If your anti-virus software reports a suspect file, take the recommended action before you close down your computer.
  • Make sure you have backups of your important files.
  •  Only download files from legitimate websites.
  • Scan all CDs, DVDs, floppy diskettes and USB Drives for viruses before use.

Update your Operating System

Your Operating System (OS) is responsible for running all the important programs you use on your PC or Laptop. Keeping the OS up to date will help to keep your system secure and should improve performance and stability. Common operating systems include Windows and Mac OS.

Each vendor will have the best information or tools to help you to patch your specific operating system version.

Use a Personal Firewall

A firewall helps regulate what network traffic is allowed in and out, of your computer. Personal firewalls are typically designed to protect just the computer on which it is installed.

The most practical advice we can offer you is:

  • Many operating systems come with a personal firewall capability; we would recommend that you at least turn this feature on.
  • There are also many free and commercial personal firewall products available. Use your favourite search engine to find more information about your options.
  • If your firewall software reports a suspect network connection, take the recommended action.

Avoid using Shared Computers or Internet Cafés

Avoid using a shared computer, such as an Internet café, to apply for accounts online. Remember that banking online via a public, networked or shared computer may mean your information is recorded and/or stored on that computer even after you’ve left it or logged off. You may have no control over this.

About Our Website

Encrypted Website with SSL Certificates

KBC Bank Ireland takes the security of our systems very seriously and we utilise encryption to provide the necessary privacy and confidentiality to our customers.

Our security policies require that all customer access uses the Secure Socket Layer (SSL) protocol, commonly referred to as SSL Encryption. The encryption technology provides two functions:

  • It helps you identify the genuine KBC Bank Ireland
  • It scrambles the details of your session so that it cannot be viewed by anyone else along the way.

How do I ensure that SSL is working?

Our web servers will automatically switch your access from HTTP to HTTPS when required. When this happens you should be able to see a yellow lock icon, either to the right of the website address (Internet Explorer) or in the status bar (Firefox) at the bottom. This provides the highest level of authenticity possible that you are on the KBC Bank website.

Threats to your Online Access


Phishing is a type of social engineering attack used to obtain personal information, for the purpose of identity theft. Financial institutions are frequently targeted by these types of attacks as there is an opportunity for an attacker to steal money from the institutions customers through their online banking access.

In this situation, a fraudster will send thousands of emails to random email addresses hoping to hit a customer of KBC Bank Ireland. Due to the nature of internet email, phishing emails and spam email are very easy to send.

The email will contain images and text about KBC Bank Ireland and either ask for you to (a) confirm personal details on an unfamiliar website, or (b) try to trick you into installing some malware (such as spyware, viruses, trojans).

The best practical advice we can offer you is:

  • Be suspicious of all unsolicited or unexpected emails you receive, even if they appear to originate from a trusted source.
  • KBC Bank Ireland will never contact you by email to ask you to enter your password or any other sensitive information, by clicking on a link and visiting a web site.
  • For further assistance call our customer care team on +353 (0)1 664 6000

Viruses and Spyware

One of the best ways to protect against viruses is to have up-to-date genuine anti-virus software installed on your computer.

This software will help you to detect and remove known viruses after the computer downloads or runs the virus. Please ensure to keep your anti-virus software up-to-date as this will help to increase your level of protection.

If you are unsure about which anti-virus package to go for or how to install your chosen anti-virus software please contact a professional or someone knowledgeable for assistance.

Identity Theft

Identity theft is a term that refers to a fraud, where someone pretends to be someone else for the purpose of stealing money or trying to get other valuables belonging to you.

The term is a bit misleading, as it’s not really possible to “steal” an identity, only to use it. An example might be someone has pieced together personal information about you, such as your name, address, date of birth, your PPS number, and your mother’s maiden name.

Armed with this information, they may try to open bank accounts, apply for credit cards, request credit histories, and commit other types of fraud, all in your name. The problem is that once this information becomes known to others, you can’t change it easily; you can’t change your date of birth for example.

The person whose identity is “stolen” can suffer various consequences; the issue is that it becomes a time consuming process for you to “prove” that it wasn’t you who did all those things. Most countries have specific laws which make it a crime to use another person's identity for personal gain, but the onus is on you to protect your information.

Protect your personal information

  • Avoid sending or sharing personal information via email or over the phone
  • Don’t choose passwords that are easy to guess, like your date of birth, pet’s or children’s names.

Key Logging

A key logger is a type of malware that is used to covertly record what you are typing and doing, on your computer.

A key logger programme can potentially do the following:

  • Keep track of websites you visited, when and for how long as well as what you typed on the keyboard while visiting those sites.
  • Record personal information you use to access your PC or the Internet sites you visit.
  • Take screenshots of what is happening on your PC as you type.

A software based key-logger is the most likely type you will encounter at home. The software can get onto your PC in a number of different ways:

  • By tricking you into installing it, such as a website offering you a free utility or piece of software.
  • Installing automatically when you open an email attachment.
  • By installing software without your knowledge when you visit a malicious website.
  • From opening USB Storage devices, DVDs and CDs from people or other sources you don’t trust.

Once installed on your computer, it makes a copy of all your keystrokes. Details of the keystrokes may be saved to a file on your hard drive where they can be retrieved by the attacker or they may be sent without your knowledge to the attacker's website or to an anonymous email address.

If you discover a key logger is installed on your computer you should have it checked by a professional and ensure the key logger is removed completely.

Email Fraud

Please remember that KBC Bank Ireland will NEVER ask its customers to re-enter their personal details by email.


Learn how to recognise and protect yourself against phishing. See the section above “Phishing", for further information”.

Fraud 419

A 419 (four-one-nine) fraud is also known as the "Advance fee fraud". This fraud is intended to appear as an authentic business proposal; the goal is to fraudulently obtain funds.

Money Mule

A "money mule" or "money transfer agent" is a person who transfers money that has been fraudulently obtained in one country, to another country.

Laundering of the stolen money occurs when the money mule receives the stolen funds into their bank account after being recruited by the criminals. They then withdraw the money and send it overseas using a wire transfer service, minus a certain commission payment.

This activity is illegal and is easy for the authorities to recognise

Money mules are recruited in many different ways, usually via spam emails, adverts on genuine recruitment web sites, instant messaging and even adverts in newspapers.

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  • KBC Bank Ireland plc is regulated by the Central Bank of Ireland
  • Registered in the Republic of Ireland. Number 40537
  • Registered Office: Sandwith Street, Dublin 2, Ireland