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General Queries








I have lost my Credit Card, what can I do?


To cancel your credit card phone 1890 706 706 or from abroad 00 353 56 7757007





I have lost my ATM/Laser card, what can I do?


To cancel your card phone 1850 333 333 or from abroad 00 353 1 289 3737. You can also contact your branch directly in order to cancel your card.





How do I register for 365 online or phone banking?


With Bank of Ireland's award-winning online and phone banking services - 365 online and 365 phone - you can check your account balances, review your transactions, pay bills, transfer funds and lots more - 24 hours a day 365 days a year.


    

  • Step 1: Call 1890 365 365 (or from abroad 00 353 1 404 4000), and press the * key. A customer service agent will take your details and you will receive a 6 digit PIN number and welcome pack within 5 working days. 
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  • Step 2: When you receive your PIN number call 1890 365 365 again and a customer service agent will activate it for you. You can then start using the 365 phone service straight away (and if you like you can change your PIN to make it easier to remember). 
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  • Step 3: The customer service agent can also issue you with a separate unique ID number over the phone for banking online. Once you have this ID number you can start the 365 online service straight away. 
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Can I use my ATM card abroad?


If your ATM card displays the 'Cirrus' you will be able to use it to withdraw cash at ATMs all over the world.


Cirrus (ATM) transactions in euro within the EU and certain non-EU countries to which the relevant EU regulations apply are charged at the same rate as domestic ATM transactions. Where account transaction fees are free as part of a package these euro transactions are also free. All other Cirrus transactions are charged as follows and are not included free as part of any packages or fee waivers:-


Cirrus(ATM) - 3.5% of transaction. Min €3.17/Max €11.43 per transaction


To apply for the Cirrus facility please contact your branch.





How do I open a Non-Resident Account?


Under the Money Laundering Legislation, all financial institutions are now obliged to obtain identification for all new account applicants. You will need the following documents to open a bank account


    

  • A current valid passport or driving licence and 
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  • A recent household bill such as a telephone, electricity or gas bill. 
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  • As a Non-Resident you will also be required to provide a character reference and financial history from your own bank.
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I am now living abroad, how can I close my account?


To close your account from abroad you are required to send written instruction (including signature) directly to your branch. If there is a remaining balance on your account we can either sent it to you by bank draft or electronic transfer to an account of your choice providing the account details are specified.





How can I change my address on my account?


If you have changed your address or contact details please let us know. Simply print and send the attached form to your account holding branch.


Get more information and download the Notification of Change of Details Form here.


To find the details of your branch click here.





General queries about your account


The best way to deal with these queries is to contact Bank of Ireland 365 on 1890 365 365 or 00 353 1 404 4000 from abroad. Alternatively you can contact your branch directly.





What are Reserve Deposit Accounts?


Anyone who is a regular saver or would like to start saving can benefit from a Reserve Deposit Account. It is also suitable for anyone who has money to invest yet does not want to lock it away for a long period of time.


A Reserve Deposit Account gives you a variable rate on your savings. The rate increases as the amount in your account increases. How much you save is up to you - there is no minimum or maximum amount. The interest is worked out every day, so the more you have in your account, the more you earn.


You can save on a regular basis by setting us a standing order or you can transfer money at any time you like from your accounts through Banking 365. You can make a cash deposit at any branch of Bank of Ireland or you can lodge a cheque either in the branch or by post.


You can also withdraw money once a month at any branch of Bank of Ireland - there is no waiting period and no need to give any notice as in other higher-rate accounts.


You can minimise the amount of tax you pay on your interest by choosing the Special Savings Account option with your Reserve Deposit Account. With this option you pay a lower rate of tax on your interest (under current legislation).





How do I open an account with Bank of Ireland?


Under the Money Laundering Legislation, all financial institutions are now obliged to obtain identification for all new account applicants.


You will need the following documents to open a bank account


A current valid passport or driving licence and  A recent household bill such as a telephone, electricity, gas or a current original Financial Institution statement.  In addition to this you will need to fill out the Personal Account Application Form in one of our branches.





What type of Non-Resident accounts are available?


Term Deposits


A Term Deposit is a cash deposit invested for a fixed period of one, three or 12 months. You choose the term which suits you. The minimum investment is €6,348.69 (or the equivalent amount in any major currency).


Guaranteed Bonds


Bank of Ireland also provides a range of Guaranteed Bonds. These are longer term cash deposits invested for terms of eighteen months, two years, three years, four years, five years or six and a half years. You can invest as little as €3,809.21 (or the equivalent in any major currency) in the two year or six and a half year, or €6,348.69 (or the equivilant amount in any major currency) in the others.


Demand Deposits


Funds deposited in these accounts are available on demand without any loss of interest. The interest rate is variable and may change periodically, without notice, to reflect changes in the market. Additional deposits or withdrawals may be made in any amount at any time.


Fixed Deposits


These accounts have a fixed rate of interest for a fixed period of time (term). Terms vary from one month to one year. The rate of interest paid varies with the term agreed but is normally higher than rates paid for similar amounts on call deposit accounts. When a fixed deposit matures there are a number of options available:


    

  • Interest can be added to the existing deposit or sent directly to the customer.
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  • Funds can be re-invested for the longer or shorter term.
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  • Funds can be converted to another currency.
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  • Fixed deposits are automatically renewed for a like term unless we receive written instructions, two days prior to maturity.
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  • Minimum balance requirements available on request.
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