How much can I transfer online?

The maximum limit you can transfer is €20,000 / £20,000 per working day. Payee types: Bill, SEPA, UK Domestic (UK only), International payments, mobile top-ups (ROI only) and pay to mobile payments. Payee limits will apply.

Future dated payments will affect maximum limit on date scheduled. Own account transfers and automated payments will not affect your daily limits. Need to transfer more? Contact your branch for other options.

What are payee limits?

When you add a payee you must choose either Post security code, Mobile phone (SMS) security code, or Secure Customer Authentication (New Bank of Ireland App only). Your choice will affect your total payee limit for each payee type.

You can use your payee limit to send money to just one payee, or several payees of the same payee type.

Your daily limits will reduce each time you make a payment:

  • Online using 365 online (original and upgraded site), Mobile Banking app, Tablet Banking app, and the Upgraded Bank of Ireland app.
  • By phone using self-service phone banking or with a Direct Advisor.
  • Using Open Banking PISP consent portal (API)

Payee limits

All new payees you set up on the Bank of Ireland App or 365 online using Strong Customer Authentication have a combined payee limit of €20,000 / £20,000 per working day.

You can use the Bank of Ireland App or 365 online to make transfers to your existing payees, set up using security codes. Payee limits will apply as below:

Payee added using 

Payee limit for all payees (Daily– Working day) 

*Total Maximum limit (Daily – Working day) 

Post Security code or BOI app (SCA) 

€20,000 / £20,000 


€20,000 / £20,000 

Mix of Post, BOI app (SCA) and Mobile phone Security code 

Post Security code and BOI app (SCA) 

€20,000 / £20,000 


Mobile phone (SMS) Security codes 

€10,000 / £10,000 for each payee type: 

-SEPA and UK Domestic (combined) 

-International (combined) 

€20,000 / £20,000 for Bills 

SMS security code  only  

*Total Maximum limit is used when making any payments to Bill, SEPA, UK Domestic, International payments, mobile top-ups (ROI) and pay to mobile payments.

If you have any issues making a transfer online our Direct Advisors are here to help.

Direct Service advisor

Republic of Ireland Customers:

9am to 5pm Monday to Friday (including Bank holidays)

Closed Saturday and Sunday

Northern Ireland and Great Britain customers:

9am to 5pm Monday to Friday (including Bank holidays)

9am to 2pm Saturday, Closed Sunday

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