Zippay

Frequently asked questions

About Zippay

• When will Zippay be available?

  Zippay will be available in the mobile apps of participating banks in early 2026. We’ll put a message in our 365 mobile app to tell you when it launches.

• Who will offer Zippay?

  Bank of Ireland, AIB, and PTSB will all offer Zippay, after the new service launches. Other financial institutions may join in the future.

• Who can use Zippay?

  You can use Zippay with Bank of Ireland, if all the following are true:

  • You are 16 or older
  • You have an active euro Bank of Ireland personal current account in the Republic of Ireland (joint accounts must allow individual payments)
  • You have the 365 mobile app downloaded to your mobile phone with your personal current account registered to it
  • You have authenticated your mobile number using the Bank of Ireland 365 mobile app
  • You have not opted out of Zippay.

• What are the benefits of using Zippay?

  Zippay makes sending money, requesting money or splitting a payment with other Zippay users simple – using a mobile phone number instead of an IBAN or account number. There’s no need to top up a digital wallet to pay family or friends, and no extra fees or charges. You can hold funds and manage your money with your preferred and trusted bank.

• Where will I find Zippay?

  When it launches, Zippay will appear under the “Payments” section in our 365 mobile app.

• How do I access Zippay?

  If all the above are true in the section ‘Who can use Zippay?’, you will be automatically enrolled in Zippay before it launches. To get you enrolled, we’ll securely share some personal information about your Bank of Ireland current account with a trusted service provider including:

  • Your name
  • Your account IBAN
  • The mobile number you registered on the 365 mobile app
  • An encrypted combination of your date of birth and mobile number (just to check if you have accounts with other financial institutions offering Zippay to customers).
  • The number of transactions on your accounts to check how often you’ve used each account in the last 90 days (including debit card transactions) to select your default account. After they choose your default account, this data will be deleted

  This information is only shared with our trusted service provider for Zippay. Not with other financial institutions. And, when we share it, we follow all the data protection laws that apply.

  Please see more information on how we protect your data.

• Is Zippay secure?

  Yes. Because Zippay is accessed through the 365 mobile app, you can be assured that it has the same high level of security, protection, and digital safety provided by our 365 mobile app.

Zippay enrolment

• How will Zippay use my personal information?

  You will be automatically enrolled in Zippay before it launches. To get you enrolled, we’ll securely share some personal information about your Bank of Ireland current account with a trusted service provider including:

  • Your name
  • Your account IBAN
  • The mobile number you registered on the 365 mobile app
  • An encrypted combination of your date of birth and mobile number (just to check if you have accounts with other financial institutions offering Zippay to customers).
  • The number of transactions on your accounts to check how often you’ve used each account in the last 90 days (including debit card transactions) to select your default account. After they choose your default account, this data will be deleted

  This information is only shared with our trusted service provider for Zippay. Not with other financial institutions. And, when we share it, we follow all the data protection laws that apply.

  For the purposes of the Zippay service, the Bank is acting as a joint controller along with other providers of Zippay (together, “the Providers”). A list of the Providers providing Zippay can be found under the heading “Who will offer Zippay?”. The Providers are joint controllers in respect of the very limited processing of your personal data that takes place to enable them to provide you with the Zippay service including matching your phone number with your bank account details. While the Providers are joint controllers for the limited processing stated above, this does not change our relationship with you, and we are still solely responsible for complying with data protection law and processing your personal data in accordance with data protection law.

• Do I need to activate Zippay in my banking app?

  No, you do not need to activate Zippay in the 365 mobile app. Once it launches, Zippay will appear in the 365 mobile app.

• How do I opt out of Zippay?

  Don’t want your data shared with our service provider? That’s fine. Just remember to opt out of Zippay, before 28 October 2025, by calling us on 0818 365 365 or 01 404 4000 (+353 1 404 4000 if you are calling from abroad). We are available 9am to 6pm, Monday to Friday, 9am to 5pm on bank holidays, 10am to 2pm on Saturday, and are closed on Sunday.

  After that, you can still opt out of Zippay anytime. After Zippay launches, you can opt out on the 365 mobile app. And, if you change your mind, you can just opt back in. Simple.

• What if I am under 16?

  Zippay will not be available in the 365 mobile app until you turn 16. When you turn 16, we will automatically enrol you in Zippay. Don’t want Zippay? That’s fine. Before you turn 16, you can opt out by calling us on 0818 365 365 or 01 404 4000 (+353 1 404 4000 if you are calling from abroad). We are available 9am to 6pm, Monday to Friday, 9am to 5pm on bank holidays, 10am to 2pm on Saturday, and are closed on Sunday.

  Once you turn 16, you will be able to opt out on the 365 mobile app when Zippay launches. And, if you change your mind, you can just opt back in.

Zippay and your accounts

• Which account will I use to send Zippay payments?

  You can choose to send Zippay payments from any personal account that you can currently send credit transfers from, using the 365 mobile app (for example, your personal current account or personal demand deposit account).

• Which of my accounts will receive Zippay payments?

  We’ll select one of your personal current accounts so that you can receive Zippay payments as soon as Zippay launches. You’ll receive payments into this account. We call this your default account. You can change your default account at any time.

• I only bank with Bank of Ireland. How will you choose my default account?

  If you have one personal current account only with Bank of Ireland, we’ll choose this as your default account. If you have more than one, we’ll choose the one you use most often as your default account.

• I bank with Bank of Ireland and AIB and/or PTSB? How will you choose my default account?

  You will only have one default Zippay account. Even if you have accounts at other banks. To choose your default account, our trusted service provider will check how often you’ve used each account in the last 90 days (including debit card transactions). They’ll select your most active account. To help them do this, we’ll share the number of transactions on your account with them. We’ll only do it so they can select your default account. After they choose your default account, this data will be deleted.

• How can I change my default account with Bank of Ireland?

  You can change your default account at any time using the 365 mobile app.

• How does Zippay work if I have a joint personal current account?

  Zippay works with joint accounts that have a single mandate. In other words, joint accounts where any of the account holders can individually authorise a payment without getting the authorisation of other account holders. If this is the case, each account holder can use Zippay independently, to send and receive money.

Using Zippay

• Does Zippay have a send money limit?

  Yes, you can send up to €1,000 a day.

• How can I send a payment using Zippay?

  In the 365 mobile app, go to the Zippay main screen in ‘Payments’. Select ‘Send Money’, select a recipient, tap in the payment amount, ensure you’re paying the right person by checking the masked name displayed and then confirm the payment.

• Does Zippay have a request money/split a payment limit?

  You can request money up to €500 for each individual request. You can have up to 30 payment requests open at any one time.

• How can I request a payment using Zippay?

  In the 365 mobile app, go to the Zippay main screen in ‘Payments’. Select ‘Request Money’, select a recipient, tap in the requested amount, and then confirm the request. The recipient will get a notification with the request for the specified amount, which they can accept or decline. Once accepted, the money will arrive in your account immediately.

• How many people can I split a payment with?

  If you are looking to ‘Split a Payment’, this request can be sent to up to 30 recipients.

• How can I split a payment using Zippay?

  In the 365 mobile app, go to the Zippay main screen in ‘Payments’. Select ‘Split a Payment’, select up to 30 recipients, and tap in the requested amount. The amount requested can be split equally or set to an amount of your choosing. Once ready, you can then confirm the request. The recipients will get a notification with the request for the specified amount, which they can accept or decline. Once accepted, the money will arrive in your account immediately.

• When do request money/split a payment requests expire?

  Payment requests that have not been accepted by recipients will expire after 30 calendar days.

• How can I make or receive a payment if I am not eligible to use Zippay?

  If you’re under 16 when the service launches, or you want to make or receive a payment from a business account, you won’t be able to use Zippay.

  You can still make payments using our 365 mobile app or 365 online. Just log in and follow the steps under ‘Payments’ or ‘Transfers’.

  To receive a payment, the sender will need your IBAN and account name. They should follow the steps provided by their bank or financial provider.

Other Zippay FAQs

• How do I know that I’m paying the right person when I use a mobile number to pay them?

  Before you pay someone, we’ll let you know the ‘masked’ name of the owner of the account linked to the mobile number. A ‘masked’ name is simply a name with some details removed for security purposes. For example, if you’re paying ‘John Smith’, we’ll let you know that ‘Jo** Smi**’ owns the account.

  If the masked name does not match the person you intend to pay, do not go ahead with the payment. This is extremely important. If you send money to the wrong payee, we will make every reasonable effort to recover it. But we may not be able to recover all or any of that money.

• What if I change my mobile number?

  If you change your mobile number, please follow the instructions on 365 online or the 365 mobile app to update it as soon as possible.

  If you change your registered mobile number and do not update it immediately, there’s a risk that money that you expected to receive is instead paid to another account that does not belong to you.

• What is a verified mobile number?

  A verified mobile number is one that has been confirmed by your bank as the mobile number associated with your digital profile.

• What if my mobile number is linked to more than one 365 online profile?

  If your mobile number is linked to more than one 365 online profile, you will not be automatically enrolled in Zippay. Instead, you will have to opt in to the service. If your mobile number is linked to multiple profiles (for example, with an elderly parent or child), we recommend that the registered owner of the mobile number opts in to Zippay, as payments made to the mobile number will be paid to the account of the person who opts in.

• How do I know if the person I want to pay can receive Zippay payments?

  Zippay uses mobile numbers saved in your contact list to identify users who are enrolled in the service. They will appear in your ‘reachable contacts’ list. You’ll also appear as enrolled to users who have your mobile number saved in their contact list.