Bank of Ireland digital banking growth in Q2
- Mobile banking app logins surpassed 1.49 million on peak Q2 day, 1 May
- Q2 point of sale contactless transactions rose by 5% year-on-year
16 July 2026 – Bank of Ireland has today published its latest quarterly insights into customer banking and payments, with continued growth in digital transactions for Q2 2026.
Mobile banking logins in Q2 2026 increased by 5% year-on-year, while ATM transactions declined by 6% compared to the same period last year as customers continue to adopt digital and contactless payments. Friday, 1 May was the busiest day for app engagement in Q2, with logins reaching over 1.49 million. Friday, 29^th^ May was peak for point-of-sale transactions by Bank of Ireland customers, with over 2.8 million, a busy day for retailers nationwide.
Q2 point of sale transactions were flat year-on-year, while e-commerce contactless transactions grew by 5%. There was a total of 125.5 million contactless payments for Q2, up 13% compared to Q1 2026.
In comparison to Q1, SEPA instant payments in Q2 increased by 17% with over 11 million. Thursday, 28 May recorded the highest SEPA instant transactions with circa 250,000.
Keith Kiernan, Chief Information Officer, Bank of Ireland said: “Customer expectations continue to evolve, with digital engagement growing year on year and card-based payments becoming an increasingly important part of everyday banking. At Bank of Ireland, we are making significant investments in technology to enhance customer experiences and strengthen our capabilities across instant payments, AI, cyber resilience and digital services.
While digital innovation remains a key focus, we are committed to investing across all customer channels, including our branch network, contact centres and online services, ensuring customers can bank in the way that suits them best. The continued adoption of digital banking reflects customers’ demand for fast, convenient and secure ways to manage their finances.”
Bank of Ireland has launched a number of new technology innovations so far this year for customers in Ireland including Zippay, mobile to mobile digital payments; Benefits Finder, an AI-enabled tax credits tool; online ‘Electric Vehicle Marketplace’ for customers switching to EVs; and a new partnership with Google to provide up to 10,000 fully-funded AI training scholarships for business customers.
ENDS
Notes to editors:
Bank of Ireland is a diversified financial services group serving more than four million customers across Ireland, the UK, and the EU. Its services span consumer, business and corporate banking, wealth management, life and pensions, specialist finance, and asset finance and contract hire. The Group includes Davy, New Ireland Assurance, Northridge Finance and Marshall Leasing. Bank of Ireland operates a full‑service retail bank in the Republic of Ireland and Northern Ireland. In the UK, it provides mortgages through the intermediary market and is the largest provider of consumer foreign exchange through its partnership with the UK Post Office.