COVID-19 Personal Banking Support

UK customers, please click here for details of COVID-19 support.

Help during COVID-19

We have introduced a comprehensive range of supports for customers during the COVID-19 national emergency. These include payment breaks for mortgages and loans, a priority service in our branches for over-65s and carers and waiving fees for contactless payments.

For more information on these supports please see below:

  • Mortgage payment breaks

    If you are affected by COVID-19 and you are concerned about making your mortgage repayments, we can offer you a break in your repayments for three months.

    • Click for more information and to apply for a 3-month mortgage payment break.
    • Click to find out more about mortgage flexible options.
    • Phone us on 01 611 3333 (our lines are open 9am-5pm, Monday to Friday).
    • Alternatively, text the word mortgage to 50365 and we will text you back the mortgage payment break link.

    If you're concerned about making payments to your Bank of Ireland Life or New Ireland Assurance Mortgage Protection policy, you may also qualify to have your mortgage protection payments waived for three months.

  • Personal loan payment break

    If you are affected by COVID-19 and you are concerned about making loan payments, we can offer loan payment breaks of up to 3 months.

    Click for more information and to apply for a 3-month loan payment break.

    You can request a payment break for a personal loan by calling 1850 222 200 or 01 488 2019 (our lines are open 9am-5pm, Monday to Friday).

    Please note: If you have a Consumer Hire Purchase or Personal Contract Plan (PCP) agreement with Bank of Ireland Finance and wish to apply for a payment break because you have been impacted by COVID-19 please click here.

  • Cocooning and Self-Isolation Supports

    We understand that this is a challenging time for you and your loved ones and that it is essential you can pay for your day-to-day necessities. In order to support you during periods of self-isolation, we have a simplified way for you to access cash by authorising a family member or friend to give instructions on your account on your behalf.

    • We are giving customers the option to add an additional signatory to their account on a temporary basis. Authority can be given to a trusted close family member, friend or neighbour.
    • Our customer’s safety and security is paramount and this is why we will need the nominated person to provide identification and address verification along with the completed form.
    • Please complete the attached form. Your authorised person can bring this completed form into one of our 161 Bank of Ireland branches nationwide which are open and operating as normal
    • By signing this form, the account holder agrees that the authorised person may complete any of the following actions:
      1. Pay sums into the account
      2. Withdraw money from the account to enable them to buy food, medicine or other necessities for you, or to pay for goods and services that will improve your quality of life while you are in self-isolation or confined.

    The most the authorised person can withdraw in one day is €250; and over a 7 day period is €500. This authority is valid up to July 20th 2020, however you can remove it at any stage by contacting 1800 946 146

    Authorisation is subject to approval.

  • Dedicated support for healthcare workers

    To support healthcare workers who are unable to visit our branches during the day, we now have a dedicated phone line 1800 946 146 for all their banking needs open 9.30am to 4.30pm, Mon-Fri.

    Alternatively, healthcare workers can ask us to call them outside normal banking hours (6pm-11pm, Mon-Fri, and 10am-4pm on Saturday) by emailing

  • Consumer Hire Purchase & Personal Contract Plans (PCP) repayment breaks

    If your income is affected by COVID-19 and you are concerned about making your repayments on your Bank of Ireland Finance Credit Agreement, we can offer you a Payment Break for three months.

    You can apply for a 3 month Payment Break for a Consumer Hire Purchase or a Personal Contract Plan (PCP) agreement or extend your existing 3 month Payment Break by an additional 3 months (6 month Payment Break in total).

    For any queries please contact our Customer Services team on 1890 66 44 66 (our lines are open 9am-5pm, Monday to Friday).

    Click here for more information and to apply for a 3-month BIF Consumer Credit Agreement Payment Break.

  • Contactless payments & Visa debit cards

    Contactless is a fast, easy and secure way to pay and it may be more hygienic than handling cash.

    Contactless fees have been waived (16.03.20) for the duration of the public health emergency and we have increased the contactless limit from €30 to €50 to support customers who want to reduce their contact with cash and avoid typing in their PIN at retailers. The limit change is effective April 1st 2020.

    Most of the time, with contactless payments, you just have to tap your card against a contactless terminal.

    Look for the contactless symbol on the front or back of your card.

    Don’t have a Visa debit card?

    Bank of Ireland customers can order a Visa debit card by calling 0818 365365 (9am – 5pm, Monday to Friday).

    Please have your account number to hand when you call.

    Find out more about Visa Debit Cards here.

  • Online, mobile & phone banking

    We understand that you might be self-isolating, cocooning or staying at home during COVID-19.

    If you are staying at home, you can still pay bills, transfer money and do your day-to-day banking online, using our mobile app, or by phone, 24 hours a day, 365 days a year. For more info on registering for 365 online and phone banking, and for tips on managing your account online, please click here.

    If you are already a 365online customer, you can register for the mobile banking app. For more information, click here. You can call our Digital Activation Centre from Monday to Friday, 9am to 5pm, on 1890 365 500.

  • Standing orders & direct debits

    We understand that you might want to cancel standing orders or direct debits as you reorganise your finances in response to COVID-19.

    For more information about cancelling Direct Debits using 365online, Mobile App or by post, click here.

    To amend or cancel a standing order online, click here.

    Business Customers: The easiest way to set up (max €3000), amend, or cancel a standing order is to use 365online because it allows you to select the correct standing order to be cancelled. You can also set up (no max amount), amend cancel a standing order online here, however doing it this way means you need to know the recipient's IBAN so we can identify which standing order to cancel and this form needs to be signed and posted in.

    You can also manage your direct debits in the Manage Accounts section of 365online. Find out more, here.

    You can also cancel a direct debit or standing order on the mobile app. Select ‘Services’ from the bottom menu, tap ‘Cancel Direct Debit’ or ‘Cancel standing Order’ and follow the instructions on the screen.

    Alternatively, you can call 0818 365 365 (9am-5pm, Monday to Friday) for support with standing orders and direct debits.

    Please note that Standing Orders for loan payments cannot be cancelled. If you have been impacted by Covid-19 please contact our Mortgages Payment Break line (01 611 3333) or Personal Loan Payment Break line (1850 222 200 or 01 488 2019). Our lines are open 9am-5pm, Monday to Friday.

  • Branches

    For information on branch opening during COVID-19 please click here.

    We have changed how we clean our branches in response to COVID-19 replacing our cleaning supplies in all branches with COVID-19 compliant products.

    Our ATMs are currently being deep-cleaned twice a day. To find the most convenient ATM for you, as well as the locations of our branches, click here.

    We strongly encourage you to maintain social distancing guidelines of 2 metres between you and other people when visiting our branches. Floor markers and queue ropes are in place to show you the recommended distance.

    The number of customers allowed in branch at any one time may be limited, in order to comply with HSE guidelines. No children allowed at any time with the exception of infants in buggies.

  • Over 65s and carers

    We now offer a priority service in our branches for over-65s and carers from 10-11am, Monday to Friday.

    Alternatively, over-65s and carers can call our dedicated line on 1800 946 146 (9.30am to 4.30pm, Mon-Fri).

  • Accessing your savings

    You can make withdrawals and notice requests by phone or online without having to go into your branch. The money will be transferred directly to your current account.

    Not yet registered for online, phone or mobile banking?

    If you have a current account with us and are not registered for online banking, here is how to get set up on 365online.

    To find out more and get set up with phone banking, phone banking, click here.

    If you are a Bank of Ireland customer and are already set up on 365 Online, you need to register your accounts to your 365 profile in order to view them on your profile. More detail on how to register an account to your 365 profile is available at; search for ‘register an account on 365’. Alternatively, you can click on the link below for a demonstration video on how to register your account on your 365online profile.

    Watch video: how to register your account on your 365 profile

    List of deposit accounts you can withdraw money from online or by phone:

    Account Name Notice Period Required for Withdrawal
    Regular Saver accounts
    MortgageSaver None - you can withdraw your money on demand
    GoalSaver None - you can withdraw your money on demand
    Regular Saver None - you can withdraw your money on demand
    365 Monthly Saver* None - you can now withdraw your money on demand
    Custom Saver* None - you can now withdraw your money on demand
    Demand accounts
    Variable Rate Call account None - you can withdraw your money on demand
    Childsave None - you can withdraw your money on demand
    Notice Accounts
    365 31 Day Notice 31 calendar days
    31-Day Set Notice Account 31 calendar days
    60-Day Set Notice Account 60 calendar days
    90-Day Set Notice Account 90 calendar days

    *In normal circumstances, a 7 day notice period is required before you can withdraw your money. This requirement is being waived until further notice.

  • Life Insurance, Pension & Investments and General Insurance

    Please email us and we will answer you as quickly as possible.

    For Life Insurance and Investments, email:

    For pension queries before retirement, email:

    For pension queries at or after retirement, email:

    For life assurance or serious illness claims, email:

    For advice on your policy, please email or alternatively contact your Wealth Manager.

    To help us provide the best service to you, please include your full name, contact details and policy number when you email us.

    3-month mortgage protection payment waiver

    If you are experiencing financial difficulty related to COVID-19, we have flexible options which can support you during this challenging time. This includes a 3-month premium wavier on your non-unit linked mortgage protection policy if you have been granted a payment break on your residential mortgage. For more information, click here.

    Applications for the 3 month mortgage protection payment waiver are open until Friday 17 July 2020. If you have a term assurance policy with us that is not assigned to a mortgage, we also have options for you. Click here to find out more.

    Our savings, investment, reviewable (unit linked) protection and pension products offer flexibility so that, if needed, you can reduce your monthly premiums, or take a premium holiday. Please contact your Wealth Manager who will be happy to take you through the options available to you at this time. If you have any queries, you can email us on

    Click here for information on investment markets with expert commentary.

    Home, Motor and Travel Insurance

    We are continuing to monitor the COVID-19 situation closely and support our customer through this period. Click here for updates on your existing Home, Motor and Travel Insurance cover.

    Contact us by email or phone:

    Our phone lines are open from 9am-5pm, Monday to Friday. Call wait times are a little longer than normal due to high demands on our service. When emailing us, please include your full name, contact details and policy number (if applicable) with your query.

    Existing home and motor insurance customers: To make a change or to renew your policy, please email us at or call us on 1890 608 608.

    Existing travel insurance customers: If you have a query about a new or existing policy, please contact our travel insurance partner AIG Europe S.A. on 1800 303 102.

    Claims: If you need to make a claim, please contact AIG Claims Services on (01) 261 1540.

    To ensure that we are dealing with the most urgent customer queries, only claims submitted within 30 days of intended travel date will be processed. If you are due to travel more than 30 days in the future, we would ask that you call back within 30 days of your intended travel date.


Stay informed, Stay well

The need for advice and being kept informed has never been as great. We’d like to be able to share news about services, products and offers that we believe may be of interest to you from Bank of Ireland Group as well as from specially selected trusted partners.

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