Help & Support

Visa Debit

  • What is the Cross Border Handling Fee that I will be charged if I use my Debit Card abroad?

    Read answer
      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)

    Fee waived until 23rd February 2015.  Current account transaction fees will apply thereafter.

    2% of transaction value.  Maximum €11.43 per transaction

    A Cross Border Handling Fee (CBHF) will apply if you user 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.

  • What is a Debit card?

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    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.

  • How does it work?

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    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.

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

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    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

  • What do I do if my card is lost or stolen?

    Read answer

    Contact our 24 hour Customer Service:
    At home call 1890 706 706
    Abroad call +353 567 757 007

  • How long will it take for me to receive my new or replacement Visa Debit Card?

    Read answer

    From the day your card is requested, it will take between 7 to 10 working days. It may take a bit longer if there is a Bank Holiday during that period.

  • What are the benefits of Visa Debit?

    Read answer

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

  • How does using Visa Debit offer me more protection?

    Read answer

    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.

  • Where can I activate my Visa Debit Card?

    Read answer

    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.

  • Where can I use Visa Debit?

    Read answer

    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.

    *There are daily limits on the amount that can be withdrawn and they may vary at certain ATMs at home or abroad depending on the ATM provider

  • What is Chip and PIN?

    Read answer

    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).

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

    Read answer

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

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

    Read answer

    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.

  • What is Cashback?

    Read answer

    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

  • What is contactless?

    Read answer

    Contactless is the latest payment technology where you can complete transactions by simply holding your card against a reader. The card works using a secure radio signal (Near-Field Communications (NFC)) and is powered when it comes into close contact with the reader. When you see the Contactless symbol; you will be able to use your Visa Debit card to make purchases up to a maximum value of 30.

    Contactless is a quicker and easier way to make a payment than with Chip and PIN. Instead of inserting the card into a terminal and entering the PIN, with Contactless you; hold the card against the reader and in less than a second, it will confirm whether the purchase has been accepted. A receipt is available on request. From time to time we may ask you to enter your PIN.

    3 easy steps to follow:

    1. Look out for the Contactless symbol
    2. Hold the card against the reader to pay
    3. A beep or green light indicates the transaction is complete. A receipt is available on request.

    The transaction is like any other debit card transaction in that generally the funds come directly out of your available balance in your current account.You will know if your Debit card has Contactless payment functionality as these cards will have the Contactless Symbol on the front of the card.

    You can make Contactless payments wherever retailers have adopted the technology – wherever you see the Contactless symbol. This facility can also be used abroad. These cards will include the latest security features required by the payment card industry. As an extra precaution from time to time you will be prompted to enter your PIN to complete the transaction. Once you report the card lost or stolen you will be covered by the Visa Debit card terms and conditions of use.

  • What is Verified by Visa?

    Read answer

    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.

    Registering your Visa Debit card for Verified by Visa by is simple. The next time you go shopping online at a participating retailer, you'll be automatically directed to the registration page.

    This page will have clear instructions on how to proceed with registration and will clearly display the Bank of Ireland and Verified by Visa logos, so you can continue to register in confidence. You'll be asked a selection of questions when you first come to register, to validate that you are the owner of the card, and once you've passed this validation you'll proceed to create your Verified by Visa Password. We never pass this information to the online retailer.

    The instructions on-screen during registration will guide you through each step. 3D Secure is the generic term for the online security system Bank of Ireland has launched in conjunction with MasterCard SecureCodeTM and Verified by VisaTM. However it is worth noting that you will be asked different questions to verify your identity for your Bank of Ireland Credit Card and Bank of Ireland Debit Card.

  • What should I do if I have a disputed transaction?

    Read answer

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

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

    Read answer

    Government Duty applies annually in January to your Visa Debit Card. Currently €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 is applied if both functions are used at any time during the year.

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