You will receive your replacement debit card within 5 to 7 working days of ordering it.

Government Stamp Duty (GSD) on Visa Debit and ATM cards is charged retrospectively in January each year for each cash withdrawal made from an ATM / LATM within the Republic of Ireland in the preceding year at a rate of €0.12 per withdrawal capped at a maximum of €2.50 per ATM (cash) card or Visa Debit (combined) card where only the ATM function is used, or €5 per Visa Debit (combined) card where both ATM and "Point of Sale" functions are used.

In the future the Bank may decide to charge the Government Duty on the Second Level Account, but we will give you notice in advance before doing so.

You should activate your card as soon as you receive it. You can activate your card by carrying out a transaction at any chip and pin ATM.

3D secure is a fraud prevention system that protects you from unauthorised online use of your Visa Debit card.

When you purchase goods or services online, you may be prompted to enter a one-time passcode (passcode), sent to your mobile phone by text message, to authorise the transaction and confirm that the card is yours.

You have a set amount of time and a number of attempts to enter the passcode correctly. If you do not enter the passcode correctly, you will be unable to complete your online purchase.

The passcode will only be valid for the online purchase you have received it for. When you are shopping online using 3D Secure and we don’t have a mobile number to send you a one-time passcode, you’ll be asked to provide it by calling us on the telephone number provided on-screen. If you would like to update your mobile number now, you can do so by calling 0818 200 370 or 353 1 250 0370

International Fees and Charges brochure

Visa Debit

Cash withdrawal

A cross-border handling fee can apply if you use your Visa Debit Card outside of the EU/EEA, this will include Northern Ireland and Britain in the event that they leave the EU. The fee varies depending on how the card is used. There is no fee for using your Visa Debit Card in a Bank of Ireland or Post Office ATM in Northern Ireland or Britain when making a sterling cash withdrawal.

You will be charged a cross-border handling fee if you use any other ATMs in Northern Ireland or Britain. (3.5% of transaction value, minimum of €3.17/ maximum €11.43 per transaction). All point of sale purchases incur a fee of 2% of transaction value, and are limited to a maximum fee of €11.43 per transaction.

Visa Debit

A cross-border handling fee can apply if you use your Visa Debit Card outside of the EU/EEA, this will include the UK and Northern Ireland. The fee varies depending on how the card is used. There is no fee for using your Visa Debit Card in a Bank of Ireland or Post Office ATM in Northern Ireland or the UK.

You will be charged a cross-border handling fee if you use any other ATMs (3.5% of transaction value, minimum of €3.17/maximum €11.43 per transaction). All point of sale purchases incur a fee of 2% of transaction value, and are limited to a maximum fee of €11.43 per transaction

You cannot open a non-resident account online. Please call to a branch with the following documents:

• a current valid passport or National Identity Card
• a recent household bill such as a telephone, electricity or gas bill (we do not accept mobile phone bills as proof of address)

As a non-resident you will also be required to provide a character reference or financial history from your own bank.

A Debit card, besides providing ATM access, enables you to purchase goods and services in store or online. You can also get cashback at participating retailers (assuming availability of funds in your account).

Visa Debit is accepted worldwide and can be used to purchase goods and services online. It also offers greater protection against fraudulent use.

Online Personal Current Account applicants must:

• Be over 18 years old,
• Not be a full-time student,
• Be resident in the Republic of Ireland for at least 2 years, and
• Be making the application on a sole or joint basis.

If you are registered on 365 online, you may apply for additional accounts by logging into 365 online and following the simple ‘Apply’ instructions.

Visa debit is accepted worldwide across 200 countries.

We process account credits as quickly as possible, but rely on the timing of the payments made by other banks. Because of this, payments may be credited at different times of the working day.