Bank of Ireland digital banking growth in Q3
- Mobile banking app logins surpassed 1.37 million on peak Q3 day, 27 August
- SEPA Instant payments increase by 21%
16 October 2026 – Bank of Ireland has today published its latest quarterly insights into customer banking and payments, with growth in digital transactions for Q3 2026.
Mobile banking logins in Q3 2026 increased by 3.4% year-on-year. Thursday, 27 August was the busiest day for app engagement in Q3, with logins reaching over 1.37 million. Friday, 10 July was peak for point-of-sale transactions by Bank of Ireland customers, with over 2.8 million, a busy day for retailers nationwide. ATM transactions in Q3 declined by 7% compared to the same period last year as customers continue to adopt digital and contactless payments.
There was strong uptake from Bank of Ireland customers for Zippay, the mobile-to-mobile digital payments, with a 38% increase in transactions in Q3 compared to Q2.
There was a total of 130.6 million contactless payments for Q3, up 4% compared to Q2 2026.
In comparison to Q2, SEPA instant payments in Q3 increased by 21% with over 19 million. Friday 25 September recorded the highest SEPA instant transactions with circa 268,000.
Bank of Ireland’s new mobile banking app is being rolled out, with approximately half of customers using the new app currently. The new app is providing customers with an improved performance, stronger privacy controls and more straightforward navigation.
Keith Kiernan, Chief Information Officer, Bank of Ireland said: “We have made significant digital progress in Q3 with the rollout of the new mobile banking app, new website tools and strong uptake of Zippay mobile-to-mobile payments.
The new app is giving customers a better experience. Everyday tasks such as checking balances, making payments or managing cards are quicker and more straightforward and it comes with enhanced security.
While digital innovation remains a key focus, we continue to invest across all customer channels, including branches which are benefiting from new ATMs and our contact centres.”
Bank of Ireland has launched a number of new technology improvements so far this year including rolling out its new ATM fleet with improved reliability, accessibility and energy performance; 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. Bank of Ireland also announced a new strategic partnership with Stripe in Q3, which will focus on accelerating payments innovation.
ENDS