Getting Started with Money Insights 365

Money Insights 365 (Mi 365) is a tool designed to help you take control of your money now and into the future. Mi 365 helps you improve your financial wellbeing by giving you personalised insights about your spending.

Accessible through the Mobile Banking app, Mi 365 is available to personal customers only on their current account and credit cards1. It is not available to business customers or UK customers with Basic Cash accounts or personal credit cards.

Mi 365 'Unread Insights' screen showing insights for 'Expected upcoming activity', 'Your travel expenses' and 'You got paid

What exactly is Mi 365

Mi 365 gives you regular information – called insights2 – about what’s happening with your money.

It will highlight things like, how much of your spending is going on rent or groceries compared to what you’ve spent on clothes shopping or nights out, making it really easy to see how you could manage things better.

As well as spending insights, Mi 365 will help you stay on top of your accounts, bills and subscriptions so you always know where you stand.

For example, it will let you know things like:

  • Your bill has just increased
  • You’ve just received a refund from a retailer
  • You’re spending more than usual this month on a specific category
  • Your subscription costs have increased
  • Your cash flow this month is lower or higher than usual

You’ll also be able to recategorize your spending and compare your spending over the past 6 months

How-To Videos on Getting the Most Out of Mi 365


How to access Mi 365


How to check where you’re spending

Subscription Increase

Payment Increase

Purchase from a new retailer


Everything you need to know

If you already have the app, you’ll find summary insights already in place on the home screen and you can click on each insight to get the full detail.

Basically it’s really user-friendly so the best way to see what it can do is to try it out for yourself and get a feel for how it works. And, of course, if you have any questions click on the additional information below.

    About Mi 365

  • What is Mi 365?

    Put simply, Mi 365 gives you regular information – called insights – about what’s happening with your money, so you can get a better idea of how to make it work harder for you.


  • How will Mi 365 help me manage my money?

    Mi 365 will help you manage your day-to-day finances with tips and advice while keeping track of your spending. The insights will highlight things like how much of your spending is going on rent or groceries compared to what you’ve spent on clothes shopping or nights out, making it really easy to see how you could manage things better.


  • How is Mi 365 personalised to me?

    Mi 365 presents insights on your transactions, or when money goes into or leaves your account so you always know where you stand.

    For example, it will let you know things like:

    • You’ve just been paid
    • You’ve just received a refund from a retailer
    • You’re spending more than usual this month on a specific category
    • You’ve spent money with a supplier you haven’t bought from before
    • Your cash flow this month is lower or higher than usual


  • What type of accounts is Mi 365 available on?

    In the Republic of Ireland Insights will be available to any account holder who uses the app including:

    • Sole and joint personal current accounts
    • Personal credit card accounts
    • Additional card holders will not see insights for that card

    In the UK insights will be available to any personal current account holder who uses the app.


  • Will the Basic Cash account in the UK get insights?

    No, the Basic Cash account cannot currently receive insights.


Using Insights


  • Where do I see my insights?

    Upon signing into the bank’s mobile app, insights will be visible in a carousel on the home screen, underneath your accounts. Insights are only available in the Bank of Ireland mobile app and are not available on desktop online banking or on the tablet app.


  • Who can get insights?

    In the Republic of Ireland: All personal customers who have a current account or credit card with the bank will receive insights.

    In the UK: All personal customers who have a current account, excluding Basic Cash account holders, and use our mobile app will receive insights. Customers with a Basic Cash account or personal credit card will not have access to Mi 365

    Insights will automatically appear in your mobile app, you won’t need to sign up to this service.


  • How can I see past insights?

    Insights remain in your “insights inbox” for 35 days after the insight was generated. To access the inbox, click “See more insights” below your Insight carousel on the home screen of the app. Cash flow and spend insights will show data for 6 months.


  • How long do I have to check my insights?

    Insights will appear on the carousel on the app home screen for a limited number of days. Insights remain in your “insights inbox” for 35 days after the insight was generated. Cash flow and spend insights will show data for 6 months.


Manage your Insights

Data FAQs


  • How are insights generated?

    We analyse customer’s historical transaction information, balances and account information to generate relevant insights. Insights typically analyse transaction activity over the last six months.


  • Is my information safe?

    Don’t worry. We don’t share your personal or financial information with third parties. Your details stay secure in our data centres and are only being used to provide your insights.


  • Will Insights include recent transactions?

    If you made a transaction today, you will need to wait until the transaction is complete for the activity to be reflected in your insights; this may take 1-3 days. Purchases made over the weekend, will be visible in insights the following week.


  • How often are there new insights?

    New insights can be generated any time you log in. The more frequently you use your Bank of Ireland account(s), the more insights you’re likely to get. Customers that regularly use their account, typically receive 4-8 new insights a month.


  • My predicted activity doesn’t include all my expenditure.

    Expenditure needs to be consistent over the course of 4 months to be included in this insight.


  • My monthly spend insight doesn’t include all my expenditure.

    This insight only displays spend on debit and credit card, it does not include transfers, direct debits and standing orders.


Banking 365 Terms & Conditions

View the current 365 mobile banking terms and conditions.

1 Additional card holders will not be able to see any insights personalised to their spend on that card.
2 Insights are guide only and alerts received may vary from month to month. Insights should not be relied upon as a reminder for payments due, and may not include all in progress transactions.