Vulnerable customer account

Protecting and supporting our most vulnerable customers



Supporting you and your loved ones

  • Are you trying to support a Bank of Ireland customer who cannot make their own decisions?
  • Wondering how to help with their banking needs without Enduring Power of Attorney?
  • Has a family member or someone you care for recently lost their capacity to make decisions?
  • Are you a health and social care professional supporting someone who has lost their decision-making capacity?
  • Do you need advice on what Bank of Ireland can offer?
  • Has a loved one or someone you support recently moved into a nursing home?
  • Do you need assistance setting up a standing order?

How We Can Help

We understand the challenges you face and are committed to making this process as smooth as possible. We can support carers by giving authorisation for you to use a Vulnerable Customer Account. A Vulnerable Customer Account allows you to have a Carer Card. This means you can manage the banking needs of those who have lost the ability to make decisions, giving you peace of mind and the support you need.

Third party account access guide



How to get support

1. Get in touch and let us know about the person you care for:

  • If you have an Enduring Power of Attorney (1996), ADMA 2015 agreement or Ward of Court, make sure it is registered with us.
  • To set up a Vulnerable Customer Account and get a Carer Card, you will need a letter addressed to us from a medical professional.
  • This letter must state that the person you care for has lost their capacity to make decisions.
  • The letter should not contain health information for the person you care for, as we do not need it.

2. When you have the letter, get in touch with your local branch to set up an appointment.

When you come into the branch please bring:

  • the letter from the medical professional;
  • your photo ID;
  • your proof of address.

Only one person or carer will be allowed to use the Vulnerable Customer Account.   The person or carer can decide if they want to have a Carer Card on the account. Vulnerable Customer Accounts do not have access to online banking. Vulnerable customer Accounts do not come with cheque books. There are limits set on a Carer Card.

3. Our branch staff will send your documents to our Customer Care team:

The Customer Care team will check all the paperwork and update our systems with the new details.

If a card has been requested, they will order it. Cards will be in the name of the customer along with the word ‘CARER’ and carer’s initials (for example, TK).

Card use is for the customer’s care and comfort only. Any requests for exceptions to the card limit on the account will be reviewed by the Customer Care team.



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