Loading

Visa Debit Card

  • What are the benefits of Visa Debit?

    Visa Debit has many benefits like worldwide acceptance, greater online acceptance, more convenience when you shop, Verified by Visa and greater consumer protection.

    Was this helpful?
  • What is a Point of Sale (POS) transaction?

    Instead of using cash when you are purchasing goods and services you can use your Bank of Ireland Visa Debit card through POS terminals in supermarkets, petrol stations, department stores and other retail outlets.

    Was this helpful?
  • Where can I activate my Visa Debit Card?

    If you do not activate your Visa Debit card, you will not be able to use it, 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. Please contact your branch if you have any difficulty activating your new Visa Debit card.

    Was this helpful?
  • Why will my ATM only card not work at Non-Bank of Ireland ATMs?

    Important Information - Using Bank of Ireland ATM only cards in AIB ATMs

    From 23 July 2015, cash withdrawals at AIB ATMs using Bank of Ireland personal and business ATM only cards will no longer be possible. By ATM only card, we mean a card you can only use at ATMs - not a Visa Debit card which can be used at ATMs and Point of Sale and is unaffected by this change.

    Which ATM cards will be affected?

    The following ATM cards will be affected by this AIB change:

    • All personal and business current account ATM only cards
    • Personal and business demand deposit ATM only cards

    Visa debit cards will not be affected

    Bank of Ireland customers with Visa Debit cards can continue to use their card to withdraw cash at ATMs in Ireland and worldwide, wherever you see the Visa symbol. We have over 1,200 ATMs nationwide. To find your nearest Bank of Ireland ATM please check our ATM locator here.

    Was this helpful?
  • How much is Government Duty on a Visa Debit card?

    Government Stamp Duty (GSD) on Visa Debit and ATM cards is charged retrospectively and applied to your account in January 2016. GSD for 2015 is as follows: €2.50 is applied if you have used the Point of Sale functionality (including Contactless) and €2.50 is applied if you have used the ATM functionality. A total of €5.00 max is applied if both Point of Sale and ATM functions were used any time during 2015.

    Account Type Card Type Functionality Used Charge Statement Narrative
    Current Visa Debit POS and ATM €5.00 GOVT DUTY ATM/POS
    Current Visa Debit POS only €2.50 GOVT DUTY POS
    Current Visa Debit ATM only €2.50 GOVT DUTY ATM
    Current/Deposit ATM ATM only €2.50 GOVT DUTY ATM

    Budget 2015

    In the October 2015 Budget, the Government announced changes to how Government Stamp Duty (GSD) will be applied to accounts in the future. These changes came into effect as of the 1st January 2016. In January 2017, you will be charged retrospectively for each cash withdrawal made from an ATM / LATM within the Republic of Ireland in the preceding year (2016) at a rate of €0.12 per withdrawal capped at a maximum of €2.50 per ATM (cash) card, or €5 per Visa Debit (combined) card.

    Was this helpful?
  • What should I do if I have a disputed transaction?

    Please complete the attached form and return to the address on the bottom of the form.

    Was this helpful?
  • What is Chip and PIN?

    Chip and PIN is a security feature which helps protect you against fraud. When making a purchase, you will be asked to insert your card into the terminal and enter your PIN (Personal Identification Number).

    Was this helpful?
  • What is the Cross Border Handling Fee that I will be charged if I use my Debit Card abroad?
    In Euro within EU and EEA All other transactions (cross-border handling charges)
    Visa Debit (ATM) Current account transaction fee applies 3.5% of transaction value. Minimum €3.17, Maximum €11.43 per transaction
    Visa Debit (Point of Sale) Current account transaction fee applies 2% of transaction value. Maximum €11.43 per transaction
    Visa Debit Contactless (Point of Sale) Current account transaction fee applies 2% of transaction value. Maximum €11.43 per transaction

    A Cross Border Handling Fee (CBHF) will apply if you use your Visa Debit Card in Northern Ireland or the UK to make a purchase. We will not charge a Cross Border Handling Fee if you use 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.

    Was this helpful?
  • What is Verified by Visa?

    Verified by Visa is a fraud prevention service that helps guard against unauthorised use of your Visa Debit card on the Internet.

    Verified by Visa is similar to Chip and PIN for the Internet. When you register, you create a Verified by Visa password that you keep secret, just like your PIN. Then, when you buy goods or services at any one of the participating retailers, you're prompted for your Verified by Visa password to authorise the transaction and confirm that the card is yours and that the purchase can go ahead.

    Was this helpful?
  • What is a Debit card?

    A Debit card is a card which is linked to your current account. You can use a Debit card to make purchases in shops, on the internet or withdraw cash at ATMs and the transaction will be debited from your current account.

    Was this helpful?
  • How does using Visa Debit offer me more protection?

    Using Visa Debit gives you a higher level of protection, meaning there is no safer way to pay than with a Visa card ? for example you could get your money back if you do not receive your goods or services.

    Was this helpful?
  • How does it work?

    Debit cards give you access to your money 24 hours a day and save you carrying cash or counting coins to pay for a transaction.

    When you make purchases in shops, on the internet or withdraw cash at ATMs the amount of the transaction will be debited from your current account. Many retailers in Ireland offer cashback up to €100, when you use your Visa Debit card to pay for purchases, allowing you to get two transactions for the price of one.

    Was this helpful?
  • Where can I use Visa Debit?

    You can use your Visa Debit card anywhere you see the Visa logo, across 200 countries worldwide, so accessing your money at home or abroad has never been easier.

    Was this helpful?
  • What is the difference between a Debit card and a regular ATM card?

    With a Debit card you have the option of paying for goods and services without having to take cash from the ATM [providing you have the available funds in your account]. You can also use the card online to make purchases. Another feature is that when you carry out a transaction you can ask the retailer for cashback up to €100.

    Note: some retailers do not offer cashback. There are no additional transaction fees for availing of the cashback option

    Was this helpful?
  • What happens if the retailer does not use Chip and PIN abroad?

    If the country you are visiting has not yet upgraded to Chip and PIN you will be asked to provide your signature instead.

    Was this helpful?
  • How long will it take for me to receive my new or replacement Visa Debit card?

    A replacement Visa Debit card will take between 3-5 working days from the day your card is ordered. It may take a bit longer if there is a Bank Holiday during that period.

    If you are a new customer, a new Visa Debit card will take between 7 to 10 working days from the day your card is ordered. It may take a bit longer if there is a Bank Holiday during that period.

    Was this helpful?
  • What is Cashback?

    With the cashback facility you can pay for your purchases and take up to €100 in cash out from your current account at the same time – giving you two transactions for the price of one.

    Note: some retailers do not offer cashback. There are no additional transaction fees for availing of the cashback option

    Was this helpful?
  • 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.
    Was this helpful?
  • 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.

    Was this helpful?