Keeping your financial and personal information secure is our highest priority. We use the most sophisticated levels of technology and processes to protect your privacy and security and prevent fraudulent transactions on your credit card.
Real time active Fraud detection system
AvantCard operates a fraud detection system which monitors your account for unusual or suspicious spending patterns, 24 hours a day, 7 days a week. If we notice anything unusual we will contact you to check the purchases have been authorised by you.
If we are unable to reach you, we will apply a safeguard to your account and write to you asking that you contact us as soon as possible. This safeguard will also prompt retailers to call us for authorisation the next time the card is used. We will then ask for extra security information to ensure the card has not fallen into the wrong hands.
If we are not satisfied with the response, we will not authorise the transaction. In such instances, call us immediately via our helpline number, which can be found on the back of your card. Our helpline is open Monday to Friday 8am - 8pm, Saturday 8am – 2pm.
Chip and PIN
All banks and card providers have introduced Chip & PIN credit cards in a united effort to reduce credit card fraud. Instead of signing your name when you use your credit card to make a purchase or withdraw cash, you enter a 4–digit Personal Identification Number (PIN) into the PIN pad. If you shop at a retailer that does not have a PIN pad attached to the terminal, you will be required to sign.
You are allocated a PIN by us when you get your card, but you can change it at most cash machines to one you’ll more easily remember (but we won’t allow patterns such as 1234 or 7777). If you forget your PIN and enter it incorrectly five consecutive times, the PIN becomes locked and you’ll need to sign a paper receipt to confirm that you’re the cardholder; to unlock it again, call 0818 211 782 and speak to an adviser.
Forgotten your PIN?
If you have forgotten your credit card PIN, you can use our secure Online Banking
service to get a PIN reminder sent to you by post.
Where can I change my PIN?
Currently the following banks have cash machines with PIN services, where you can change or unlock your PIN by following on-screen instructions.
• Allied Irish Bank
• Bank of Ireland
• Bank of Scotland (Ireland)
• First Active
• National Irish Bank
• Permanent TSB
• Ulster Bank
The CVC code is an added layer of security. It includes a 3 digit number on the back of your card (usually on the signature strip).
3D Secure –it’s like CHIP and PIN for the internet
3D Secure™ Security protection, consists of MasterCard SecureCode™ and Verified by Visa™ and are the leading security systems for online credit card transactions. As a cardholder, and at no cost, you automatically receive the enhanced security.
Once you have registered your card with this service you will be asked to create your own password. Every time you shop online you will be prompted to provide your password as part of the checkout process. This will protect your card from fraudulent use and purchases will only be authorised once your password has been entered into the MasterCard SecureCode™ or Verified by Visa™ screen.
You will be required to create your own Personal Message. This will appear on the screen that prompts you for your password. Every time you see your own Personal Message on screen you will know that you are communicating with us.
Suspicious or Fraudulent transactions
If your AvantCard Credit Card is used without your knowledge or consent, please call us on 0818 409 511 and we will block your card and will investigate any potential fraud transactions. It’s important you contact us immediately if you think your card has been lost or stolen, or if you notice any unusual transactions on your account.
Our Security Policy
We operate a strict security policy designed to protect your personal information. Our code of ethics means that any AvantCard staff that access personal information must complete privacy and information security awareness training annually.