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Top FAQs

  • Travelling to the U.S. this Christmas?

    You may encounter lower daily cash withdrawal limits at some older ATM terminals. Your card should continue to work as normal in store and at newer ATMs.

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  • What time during the day do incoming credits come into my current account?

    We will always process incoming credits as soon as possible when we receive them from other banks. The timing of payments from other banks may change. All incoming credits (salary/wages/payments to your account), may be credited to your account at different times throughout the working day.

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  • How long will it take to receive a replacement card?

    A replacement debit card will take between 5-7 working days from the day your card is ordered. It may take a bit longer if there is a Bank Holiday during that period.

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  • How can I report a lost or stolen card?

    Contact our 24 hour Lost/Stolen Department:

    Republic of Ireland 1890 706 706
    Great Britain/Northern Ireland 0345 309 8099
    Outside these locations +353 567 757 007

    We will cancel your lost or stolen card and have the new card issued to your address on file within 5-7 working days.

    Please let us know immediately if you discover your card is lost or stolen. Otherwise, you’ll be liable for any losses up to the time you report the loss to us.
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  • I lost my bag/wallet. What should I do?

    You need to contact Bank of Ireland and cancel your card. Contact our 24 hour Lost/Stolen Department on the following numbers:

    Republic of Ireland 1890 706 706
    Great Britain/Northern Ireland 0345 309 8099
    Outside these locations +353 567 757 007

    We will cancel your lost or stolen card and have the new card issued to your address on file within 5-7 working days.

    Please let us know immediately if you discover your card is lost or stolen. Otherwise, you’ll be liable for any losses up to the time you report the loss to us.

    Losing your wallet or handbag can mean losing your bank cards, credit cards, driving licence and mobile phone. If you have lost your wallet or your bag, please refer to our Helpful Customer Care Checklist for a list of commonly used service providers to help you cancel and reorder lost items.

    Click here to view our Care Checklist.

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  • What identification do I need to apply online?

    To apply online for a personal current account, you will need both photo ID and two forms of address verification. You also need to be over 18 years and resident in Ireland for at least 2 years.

    Our new document upload tool makes it really easy for you as you no longer have to go to the branch to have your ID verified.

    Simply take a photo of each with your mobile phone or tablet device. You can also use e-bills as your address verification and it’s important that your personal details on each (e.g. full name, date of birth and address) match to those provided in your application form.

    What we will accept as a valid form of Photo ID

    We will only accept a valid Irish Passport. Simply take a colour photo with your mobile phone or tablet device and take care to meet the following standards:

    • All 4 corners of your ID must be clearly visible. Keep those thumbs and fingers hidden!
    • The reference numbers and codes at the bottom of your photo ID must be clear and easily read
    • Please only take colour photos of your identification documents
    • Make sure your photo is of good quality and not blurry.

    What we will accept as your two valid forms of Address Verification

    To apply online, you will need to provide two forms of address verification along with your Photo ID. You can simply take photos of your address verification with your mobile or tablet device or upload an original e-bill. Please take care to follow our standards as follows

    Provide two from the following list of acceptable documents:

    1. Bank Statement or credit card statement
    2. Utility Bill
    3. Valid full Irish or UK driver’s licence (but not if you’ve used it as your photo id)
    4. Official documents and cards issued by Revenue Commissioners or Department of Social Protection
    5. Current household/motor insurance certificates and/or renewal notices
    • Make sure your personal details on each (full name and address) match to those provided in your application form and photo ID
    • Both documents must be originals and dated within the last 6 months
    • The reference numbers and codes must be clear and easily read
    • Your photo of your address verification documents must be of good quality (not blurry).
    • Your two pieces of address verification must be from different suppliers or if from the same supplier, then different bill types e.g. gas and electricity bills.
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  • What identification documents do I need to open a current account?

    To open a current account, you will need to provide at least one original photo ID and one original proof of address. It depends on what channel you choose to apply through. If applying online you will need two valid forms of address verification. We will send you an email after you submit your application with a link to our secure documentation upload centre.

    Here are some examples of what we accept:

    One Valid Form of Photographic Identification

    For Example:

    • A current valid passport
    • A current valid Irish or UK driving licence

    PLUS

    One Valid Form of Non-Photographic Identification to Verify Your Residential Address

    For Example:

    • A current utility bill (dated within the past 6 months) such as gas, electricity, telephone or TV bill
    • A current car or home insurance certificate or renewal notice that shows your address (dated within the last 12 months)
    • A current statement of account from a credit or financial institution, or credit/debit card statement
    • A current local authority document e.g. refuse collection bill, water charge bill
    • Official documentation/cards issued by the Revenue Commissioners and addressed to yourself

    The name on your photographic identification (e.g. name on your passport) must exactly match the name on your proof of address (e.g. full name on your gas bill). Note: Please talk to one of our staff at your local branch if you do not possess the documents outlined above.

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  • How can I reduce my fees and charges?

    Use 365 phone, online, mobile or tablet banking app transactions

    These transactions cost you 10c. That means they are cheaper than paying by cheque or cheaper than using the over the counter service in branch. With 365 phone/online, mobile and tablet banking you can transfer money to family and friends and pay for items online immediately.

    Register now

    Register for Mobile banking

    Use your smartphone to keep on top of your finances and take advantage of low-cost online transactions wherever you are. If you are already a 365 customer simply download the app from the App Store (iPhone) or Google Play Store (Android). Register now for 365 online.

    Use your Visa Debit Card

    It is 10c for Visa Debit card point of sale transaction. You also only pay for just one transaction if you get up to €100 cash back when using your Visa Debit card to pay for items.

    Avoid using cheques

    Cheques are an expensive way to pay for things. Set up a direct debit or standing order instead to save you money.

    Using a direct debit, standing order or 365 phone/online are 10c per transaction while a cheque costs you €1.30 (Breakdown: €0.20 cheque charge +€0.50 Government Stamp Duty + €0.60 transaction cost = €1.30.)

    Direct Debits

    You can pay a wide range of bills like your energy, phone, insurance and mortgage by direct debit for 10c, saving you money and ensuring your bills are paid on time.

    Use contactless payments

    There are now over 6,000 contactless payment terminals out there. Keep an eye out for the symbol . The fee for this transaction type is 1c. Cross border handling charges may apply.

    If you have a Golden Years, Graduate, 3rd Level student or 2nd Level student current account:

    You don't pay quarterly transaction fees and you don't have to pay quarterly maintenance fees.

    Keep €3,000 in your personal current account

    You don't pay quarterly transaction fees if you keep a minimum of €3,000 in your personal current account at all times. You will still pay the €5 quarterly maintenance fee.

    We don't pay credit interest on your current account balances and you may be missing out on potential interest by keeping a balance of €3,000 in our current account.

    Maintain Your Current Account Balance Within Your Account Limits

    Following this step avoids unpaid charges, over limit item charges and interest surcharges.

    If you don't have enough money in your account to pay outstanding cheques, direct debits or standing orders, talk to your branch in advance about arranging an overdraft or increasing your overdraft limit.

    If you have an agreed overdraft, check your account regularly to ensure the balance reverts to credit for at least 30 days each year from the date the overdraft is received, in order to avoid interest surcharges.

    Using Bank of Ireland 365 phone, online or mobile services is an easy way to check your balance. Lending criteria and terms and conditions apply to overdraft applications. Customers must be 18 or over to apply for this facility.

    Keep Your Statements

    Keep your statements carefully and record details of cheques on your cheque book stub. Copies are costly to provide and are charged for accordingly. Alternatively, you can register for eStatements on 365 online for current and demand deposit accounts allowing you to view, save or print pdf versions of your statements. For more information see eStatements FAQs

    See how you can save

    See how you can save on your banking costs with our handy personal fee calculator here.

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  • How do I upload my documents when applying online?

    The upload process is really easy and involves 3 simple steps

    Step one: Tell us about you

    Complete the application form with your personal details. You will need information such as your address, employment details and how you intend to operate the account. Please make sure your personal details (e.g. full name and address) match exactly to those in your ID documents.

    Step two: Get your ID ready to upload and check your email

    You will need identification to open this account, both photo ID and 2 forms of address verification. Our new document upload tool makes it really easy for you as you no longer have to go to the branch to have your ID verified. But, to make it even easier to setup a current account you can upload your documentation at a time that suits you.

    We will send you an email shortly after you submit your application with a link to our secure documentation upload centre. Simply click the link in the email and you will be taken to our upload tool where you can upload your images.

    And, to make it even easier.. if you access the email on your mobile phone or tablet device, the document upload tool will allow you to take a photo and upload it there and then.

    Take Care on your Photo Quality!

    Please make sure to follow our photo standards and avoid your application being rejected as follows:

    1. The reference numbers and codes at the bottom of your photo ID document must be very clear and easily read in the photo
    2. The reference numbers and/or details on your address verification must be clear and easily read in the photo
    3. All 4 corners of your ID must be clearly visible. Keep those thumbs and fingers hidden!
    4. Only take colour photos of your ID documents
    5. Make sure your photo is of good quality and not blurry

    Step three: Check your uploaded documents

    When you click the link in the email you will be asked to upload the photos of your ID documents. We will provide you with a preview of your uploaded photo so that you can check its quality after you upload. If you are happy your photos simply click 'Submit'.

    One last important thing! At this point, a unique password will be displayed onscreen to you. Write this down. This is your password to get your new bank details and which will be emailed to you in a password protected document.

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  • Easy Steps to Switching your Current Account

    Check out our Switching Guide.

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  • How can I change my address on my account?

    Personal customer with a sole account or joint account

    If you are registered for 365 online and your mobile phone can receive security codes, you can request this online through the ‘Service Desk’. Once submitted you will receive an email from the Bank asking for proof of your new address, the email you receive will include detailed instructions of the next steps required to finalise your change of address.

    • If you are not registered for 365 online (personal customers) You may print off and fill in the ‘change of details’ form and send the completed form and proof of your new address to: PO Box 365, Dublin 18. Acceptable documents are outlined on the ‘change of details’ form. It will take three to seven working days to update our records.

    • If you would like to register for Banking 365 (personal customers) Call us on 1890 365 500 to speak to the Activation Team. You will need your BOI Current Account number. (Please note - you must have an active Current Account with Bank of Ireland in order to register for Digital Banking)

    • Addition - For Joint a/c's - both parties need to be active users on 365 in order for it to be actioned. If only one party is an active 365 user then forms need to be posted out to the customer to be completed, signed and returned or alternatively print the form and have both parties sign the form and return.

    Alternatively you can register for 365 Phone and Online Banking by filling in the Online Registration Form here.

    If you are a business customer in the Republic of Ireland, please contact the business advisor in your branch.

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