How can I increase or decrease the limit on my credit card?
You can apply to increase or decrease the limit on your credit card using Card Care:
- Choose Services option
- Select Request a Credit Limit Change
You can also apply to increase or decrease your limit by calling us on 1890 251 251.
Please note: we can only take requests from the principal cardholder.
Credit limit increases are subject to terms and conditions.You cannot reduce your credit limit below your current balance.
How do I unlock or change my credit card PIN?
Changing your PIN
You can change your credit card PIN at any main ATM that displays the MasterCard symbol.
- Select the option for 'Other Services’ followed by the option to ‘Change PIN’.
- The ATM will prompt you to enter your new credit card PIN twice.
- You’ve now changed your credit card PIN.
Unlock PIN - If your card has been locked at point of sale
- Go to a Bank of Ireland ATM.
- Select PIN/Other services at the ATM.
- Select unlock PIN.
- Your PIN has now been unlocked.
If you forget your PIN you can view your PIN immediately online with Card Care. Use the "Services" option and select "View your PIN online".
Otherwise, you can request a PIN reminder from us by calling 1890 251 251. Within 3-5 working days you will receive the PIN at the address we have for you on file.
Pin locked at an ATM
If your PIN has been locked at an ATM please allow 24 hours for it to reset. If you know your PIN you can continue to use it at point of sale.Be vigilant with your PIN. Never write it down, don’t keep your card and PIN together and make sure nobody can see your number when you enter it.
Can I see my credit card transactions online?
Card Care is an online service for managing your Credit Card where you can view real time transactions and balances including pending transactions, at any time. You can also view full transaction details which can be helpful if you don’t recognise a merchant’s name.
Card Care is available for personal credit card customers and only principal cardholders can register. You don’t need a Bank of Ireland current account to register for this service.
You can also view your credit card transactions by adding your credit card to your list of accounts on 365 Online. Use the ‘Add your BOI Account’ form on the Online Service Desk area of 365 Online or call Banking 365 on 0818 365 365. Please note that this is only available to the main cardholder.You must hold a Bank of Ireland current account or demand deposit (savings) account to use 365 Online.
- What are the cash advance fees for withdrawing cash from my credit card?
How do I avoid paying interest and charges on my credit card?
Make sure you pay your outstanding balance in full each month before the due date to avoid interest.
You can set up a payee using 365 online and make payments to the payee.
If you do not pay your bill in full and on time, we charge interest on the full balance due – not the remaining balance. If you do not pay your credit card by the due date, a late payment fee may also apply.
Cash Advances - Be positive!
A charge for a cash advance is applied to your account when using an ATM. If you top-up your account to a positive amount, no charge will apply.
Interest will be applied from the date the cash advance transaction is posted to the account. However, if your account is in credit and can fully meet the cash advance, cash advance fee and (or) cross border handling fee, no interest will be charged. You may see cash interest on two statements.
Non - interest charges
Some charges appear on your Credit Card account for a specific service or request. These do not relate to interest on the account. However, if these reduced your balance, interest is applied from that date.
There is no interest-free period for:
- Cash advances
- Cash advance fees
- Cross border handling fees
Refunds from merchants are not considered payments to your account.It may take up to 3 working days for payment to reach your account so please allow for this timeframe.
How long does it take to receive a credit card and PIN reminder?
Credit Card replacement
A credit Card will take 5-7 working days to arrive at your address.
Online with Card Care. You will get your new PIN immeadiately.
- By Post. It will take 3-5 working days.
How to retrieve your PIN:
- Log into Card Care
- Choose the Services option.
- Select View your PIN online.
Otherwise, you can request a PIN reminder from us by calling 1890 251 251. Within 3-5 working days you will receive the new PIN at the address we have for you on file.