Credit Card Support

Try our new self service options and FAQs to find the right support for your query


Top FAQs

  • How can I pay my credit card account and what are the time frames?

    Paying online and over the phone

    If you are registered for 365 online, you can pay at, or by calling Bank of Ireland 365 phone on 0818 365 365. Payments made using 365 online may take 24 hours to process. Payments made on a Friday or over the weekend are processed the next working day and reach your account the following day. For a payment to be received within 24 hours on a working day please make the payment before 3.30pm.

    To make a payment online, please use the following:

    • BIC (Optional): BOFIIE2D
    • IBAN: IE46BOFI90153899943016
    • Remember to include your credit card number as the payment reference, to ensure the payment is applied to your account.

    Payment by direct debit

    Paying by direct debit is a convenient way of making sure that your future monthly minimum payments are collected from your bank account on the due date. You can choose to pay the minimum monthly amount, 2.5%, or a fixed percentage of the outstanding balance. The direct debit mandate form is here.

    Complete and return the form to:

    Bank of Ireland, Personal Credit Cards, Operations Centre, Cabinteely, Dublin 18.

    Alternatively you can set a direct debit up over the phone by calling customer service on 1890 251 251 providing the account the direct debit is going to come from is a sole account.

    You can set up a direct debit to pay off your entire outstanding amount each month in order to avoid interest charges.

    Paying by cash in any of our branches

    You can pay by cash in any of our branches using a Lodgement ATM. We credit cash payments made in our branches to your credit card account on the same day.

    Please always allow sufficient time for the payment to be received by your credit card by the due date on your statement.
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  • What is Card Care?

    Card Care is a new service designed specifically for Bank of Ireland credit card management – it gives greater control over it, e.g. you can get your up-to-the-minute balance, order a replacement card, access your PIN, change your address, leave a travel note and lots more.

    Customers with a Personal Credit Card and that are the principal cardholder can register at CardCare. You don’t need a Bank of Ireland current account to register.

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  • How do I apply for a Bank of Ireland credit card?

    You can apply for a credit card online, over the phone on 1890 365 100, or by calling to your local branch. See our branch locator for details of your nearest branch.

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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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  • Who do I call if I have a question about my credit card?

    Contact us

    Republic of Ireland 1890 251 251
    Great Britain/ Northern Ireland 0845 309 8099
    Outside these locations +353 56 775 7747

    Our opening hours are

    Monday-Friday 8:00am - 8:00pm
    Saturday 8:00am - 6:00pm
    Sunday & Bank Holidays 10:00am - 5:00pm

    If you are registered with banking 365’s online service you can also submit a query with the online service desk. Select the “Ask a Question” in the drop down menu. There will be a response to your question within 48 hours.

    Alternatively you can contact our 24 hour Twitter team @TalktoBOI, or you can reach us on

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  • Credit Card Rates for existing products (which can no longer be opened by new customers)

    Click here for Credit Card Rates for existing products (which can no longer be opened by new customers)

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  • How long will it take for me to receive a new or replacement credit card?

    A replacement credit 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.

    If you order a new credit card on a new account, it will take between 7-10 working days from the day your card is ordered. It may take a bit longer if there is a Bank Holiday during that period.

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  • Are there any charges for using my credit card abroad?

    Within the Eurozone, there are no additional charges for using your card to make purchases.

    Outside the Eurozone, a cross-border handling fee of 2.25% applies on all transactions regardless of whether your credit card account is in credit or not. When you withdraw cash, a cash withdrawal fee of €2.54 or 1.5% (whichever is greater) applies unless your credit card account is in credit when the transaction hits the account or has a zero balance after the transaction is completed.

    When you’re abroad, there may be a limit to the amount you can withdraw from ATMs. If the ATM uses chip and PIN technology, the limit is €700. If the ATM doesn’t use chip and PIN technology, the limit is up to €300. These limits are subject to the limit in that particular country.

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  • How do I order a replacement credit card?

    You can order a replacement card online at Card Care. Use the “Account Services” option and select “Request a Replacement Card”.

    However, if your card is Lost or Stolen, you still need to ring us immediately to report it as Lost or Stolen.

    Contact numbers for 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
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  • I am planning to travel abroad, what should I do?

    We may need to contact you while you are away to verify that certain transactions on your credit card are legitimate. If you are travelling abroad and intend using your credit card you should notify us and we will make a note of your travel plans on your credit card account.

    You can do this quickly and simply on CardCare, an online servicing tool. Use the “Services” option and select “Overseas Travel”. If you are going to multiple locations abroad, please enter just one location at a time. For example, if you’re going to New York then Paris, wait until you’re leaving New York to add Paris as a new destination and the dates you’ll be there.

    You can also do this on 365 Online by using the “Online service desk” option and selecting Credit Card Notification in the drop down menu.

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  • 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.
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  • Message to all credit card Card Protection Insurance customers

    Card Protection (CP) provided by Homecare Insurance Ltd, a subsidiary of CPPGroup plc, is an optional insurance policy which offers protection to policyholders in the event of card loss or fraud. Bank of Ireland previously offered this product to its credit card customers.

    At the request of the Central Bank of Ireland, Bank of Ireland and Homecare Insurance Limited agreed to participate voluntarily in a redress scheme for Bank of Ireland customers who purchased Card Protection insurance before the 1st of August 2011(the “Redress Scheme”). Eligible customers were given the opportunity to claim a refund of Card Protection premiums paid since the introduction of the Consumer Protection Code on the 1st of August 2006.

    The Redress Scheme has now closed. Any customers who wish to claim a refund of premiums can do so by contacting Homecare Insurance Limited’s information line 1800 646 518 or writing to them at:

    The Policy Review Team

    Homecare Insurance Limited

    Holgate Park


    YO26 4GA

    Bank of Ireland no longer offers this product and does not administer the Card Protection policy. Should you have any questions regarding your Policy we recommend you talk to the insurer directly via Homecare Insurance Limited’s information line - 1800 646 518.

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