Debit card

The Bank of Ireland UK debit card is a single global debit card that can be used at home or abroad, with access to millions of retail outlets and cash machines worldwide.

What is a debit card?

A debit card is a cash-free way of making payments, with the money deducted directly from your current account. It’s a card you use to spend your own money, rather than borrowing.

It saves you from carrying coins and cash, whether paying in-store or online. You can also use it to draw money from a cash machine.

Charges

Charges apply for making debit card payments in a foreign currency and for cash withdrawals in a foreign currency made in the UK, outside of the EEA or not in €. There are no charges for withdrawing Euros at Bank of Ireland cash machines in Ireland. Please refer to our Personal Account Charges Explained brochure.

Contactless

If your card features this contactless symbol, then your card will allow you to make purchases up to a maximum value of £100 in seconds at home and abroad.

You can make contactless payments wherever you see the contactless symbol. For further details please visit the Visa website.

Protection

Spend safely, To dispute a transaction conducted using your debit or credit card please complete the Transaction Dispute Form and send with all relevant information requested to the address on the form.

Security & fraud prevention

Freeze / unfreeze your card in the app or online servicing account.

Log in to 365

See all the card features available to you and activate your card here.

Log in to 365 Online

Mobile payments

With your mobile-phone, tablet or wearable, you can pay without carrying your debit card. Look for the Apple Pay and Google Pay symbol options to make your contactless payment using your digital wallet.

Find frequently asked questions about Apple Pay and Google Pay here.

Card controls

More control with your debit card. Now that’s handy.

With these new Banking 365 card management features, it’s easier than ever for you to control your debit card– through your smartphone or desktop.

View card PIN instantly – instead of having to go to a cash machine

Activate your new debit card for online transactions

Freeze/Unfreeze your card – handy if you’ve misplaced it

Order replacement debit card without having to call the bank

Set up your debit card for Apple Pay or Google Pay

FAQs







General information

  • What is the security code on a debit card?

    The security code is a three-digit number found on the back of your debit card. Often called the CVV or CVC, it adds a second level of authentication when making online or over-the-phone purchases.

  • What's the difference between a debit card & a credit card?

    The main difference between debit and credit cards is that a debit card uses money already in your current account. A credit card lets you borrow money, which you’ll need to repay along with any interest added.

  • What is a Visa Debit Card?

    A Visa Debit Card allows you to debit money from your current account, giving you access to your money 24 hours a day and saves you carrying cash. It will offer you additional benefits, greater convenience, increased security and protection.

  • How does Verified by Visa work?

    We will send you a text message as the purchase is going through. This text will contain a One-Time code which you should enter into the Verified by Visa box to confirm your identity.

    We will use the mobile number we have for you. If you don’t have a mobile or haven’t registered your number with us, we can send the code to your email address instead.

    Entering the code correctly will allow your purchase to go through. If we don’t have either a mobile number or an e-mail for you then you may not always be able to use your debit card for online purchases. You can update your mobile number and e-mail address by telephoning us or visiting a branch.

    Alternatively, we may use Secure Customer Authentication instead of the one-time code to validate online payments. If we use this method you will receive a push notification to your banking app and you will need to follow the instructions to approve the payment. If you do not have access to a compatible smartphone or tablet we can provide you with a Physical Security Key instead.

    The service is an extra security feature of your card and is not intended to replace any security obligations in the Terms and Conditions of your Debit Card.

  • Can I use my card abroad?

    Yes, you can use your debit card abroad just like at home. Charges apply for making a debit card payment in a foreign currency and for cash withdrawals in a foreign currency outside the UK with the exception of withdrawals from Bank of Ireland cash machines in Ireland. Please refer to our Personal Current Account Charges Explained brochure.

    Further details can be found on our Travel Banking page.

    It’s worth knowing that when you use your card abroad, some retailers and cash machines may offer to process your transaction in sterling, rather than the local currency. This is called ‘Dynamic Currency Conversion (DCC)’ and it may make your transaction more expensive than if you had paid in the local currency.

  • How can I get my money back if I haven’t received what I expected or do not recognise the transaction?

    To dispute a transaction conducted using your credit or debit card please complete the Transaction Dispute Form and send with all relevant information requested to the address on the form.

    Please bear with us as our processing of disputed transaction claims are taking longer than usual due to the volumes we are currently receiving. Your patience is appreciated. If you have already made a claim, you don’t need to call us: we will be in touch if we need further information.


Card controls


  • PIN

    I have forgotten/lost my PIN, how can I retrieve it?

    • Log in to your 365 app or desktop and tap on Cards at the foot of the screen
    • Select the card you want to view the PIN for
    • Tap View card PIN. Your PIN will appear on screen for 10 seconds.

    You are unable to view a card PIN if you have Frozen your card, reported it Lost or Stolen or have yet to activate your card.

  • Lost or Stolen

    My card has been lost or stolen. How do I get a new one?

    Please call our 24-hour service immediately if your card(s) has/have been lost or stolen. You can do this by selecting the card you lost in the Bank of Ireland app and use the option ‘Report lost or stolen’ or use the phone numbers below:

    Northern Ireland and Great Britain customers:

    • 0345 161 0020**
    • 0800 121 7790*
    • +44 3457 365 555 if calling from abroad

    The Phone/Tablet I use as my smart device has been lost or has been stolen.

    You should report any lost or stolen smartphone or tablet you use as your smart device to Bank of Ireland when:

    • You use it as security device for online banking
    • You use it for a digital wallet e.g. Google Pay (android devices) or Apple Pay (iOS devices).

  • Ordering replacement card

    How do I order a replacement card?

    • Log into 365 online and tap on ‘Cards’.
    • Select the card you want to replace and tap ‘Replace damaged card’.

    *Please note you can only order 1 replacement card on your account per month. If you need to order another replacement card during this time, please contact our call centre for details.

    Northern Ireland and Great Britain customers:

    • 03457 365 555**
    • +44 3457 365 555** if calling from abroad

    9am to 5pm Monday to Friday (including Bank holidays)
    Saturday 9am to 2pm and Closed Sunday

    I have ordered a new replacement card, when will it appear in my app?

    The card should appear in your app immediately after you have completed the order. However you will be unable to activate your new card for 24hours.

  • Freeze/Unfreeze card

    Can I place a temporary freeze on my cards?

    Yes, you can limit the card’s functions whenever you like.

    • Log in to the app or 365 online and tap on ‘Cards’.
    • Select the card you want to freeze or unfreeze. Tap ‘On’ to freeze or ‘Off’ to unfreeze

  • Card Activation

    Can I activate my debit card using the Bank of Ireland mobile app?

    If you activate your debit card using the mobile app you can only use the card to make transactions online or by using Google Pay or Apple Pay.

    Will my new debit card be activated when it arrives in the post?

    No. You’ll need to activate your new debit card by using the card with your PIN, at a store checkout or by doing a balance enquiry at a cash machine.

    I have activated my card using the app but it does not work. Why not?

    If you have activated your card between the hours of 11.00pm and 4.00am, it can take up to 5 hours for your card to work.

  • New cards

    My physical card has not arrived, should I order a new one?

    If your physical card has not arrived after 5-7 working days of ordering, you should contact us and we can order a new one for you.

    Northern Ireland and Great Britain customers:

    • 03457 365 555**
    • +44 3457 365 555** if calling from abroad

    9am to 5pm Monday to Friday (including Bank holidays)
    Saturday 9am to 2pm and Closed Sunday

    My Card expires soon, when will I receive my new one?

    You will receive your physical card 4/6 weeks before existing card is due to expire.

    60 days prior to expiry, you will see your existing card labelled with ‘Nearing Expiry’. 30 days prior you will have the option to activate your new renewal card via the digital app or browser.

    By this time you should have received your new physical card in post. If you activate your new renewal card then the existing card is immediately cancelled and will stop working.

    I opened a new account, but I can’t see my card. Why is this?

    Your card will appear when your new account is open and active.

    Click on the following link to register your new card so it will appear on your profile:

    Add accounts to view online – Bank of Ireland Group Website

    Why doesn’t my debit card work?

    It may be that you have yet to activate it via a cash machine or by completing a card transaction using your PIN, or you have placed a freeze on your card. If neither of these is the case, please contact us.
    Northern Ireland and Great Britain customers:

    • 03457 365 555**
    • +44 3457 365 555** if calling from abroad

    9am to 5pm Monday to Friday (including Bank holidays)
    Saturday 9am to 2pm and Closed Sunday

  • Adding cards to my Digital wallet (Google/Apple Pay)

    When does my digital wallet update when I receive a new card?

    Any cards reported lost or stolen will be updated in your digital wallet once a new card has been ordered.

    For a card upgrades (E.g. Student to graduate), card renewals (E.g. Expired card renewed) or a replacement cards your digital wallet will automatically update with the new card details after you activate the new card. This can take a couple of days.

    Can I use my google/apple pay while I am waiting for my physical card to arrive?

    Yes. If you have added a card to Apple Pay or Google Pay, this should update with your new card automatically.

    For new cards this can sometimes take a couple of days to appear.

  • Card upgrade

    I see two cards in my App, why?

    If your card is being upgraded, you will see the old card and your newly upgraded card alongside each other in the carousel. Your new card can be activated 7 working days after it appears in your profile. Once you have activated your new card, your old card will no longer be active.

    Do my card details change when I upgrade my card?

    Yes. Your new card will have a new card number, CVV and expiry date.

  • Other

    How do I unblock my card?

    If your card is labelled with a ‘Blocked’ status, please contact us.

    Northern Ireland and Great Britain customers:

    • 03457 365 555**
    • +44 3457 365 555** if calling from abroad

    9am to 5pm Monday to Friday (including Bank holidays)
    Saturday 9am to 2pm and Closed Sunday.

    My card has expired, however I can still see it on my app?

    Yes you will see your expired card in the App/desktop for 3 months after expiry. To order a new card you must contact our call centre.

    Northern Ireland and Great Britain customers:

    • 03457 365 555
    • +44 3457 365 555 if calling from abroad

    9am to 5pm Monday to Friday (including Bank holidays)
    Saturday 9am to 2pm and Closed Sunday.


* Calls may be recorded, monitored and used for training and compliance purposes. Calls to 0800 numbers are normally free from UK landlines and mobile phones.

** Calls may be recorded, monitored and used for training and compliance purposes. Call costs may vary dependent upon your service provider. Lines are open Monday to Friday 9:00am – 5:00 pm, Saturday

Spend alerts

Spend alerts are push notifications from Bank of Ireland that help to prevent fraud on your debit card. You can turn spend alerts off or on in the cards section of your app or 365 online.


  • How do I set up my device to allow notifications?

    To be sure that you get important notifications from us, including spend alerts, you must also set your device to allow notifications for BOI Mobile. This is separate to turning spend alerts off, or on, in the cards section of your app or 365 online. We recommend allowing notifications as best practice for all customers who use the mobile app.

  • When are spend alerts sent?

    When spend alerts are turned on and you go to make a debit card payment, we will send an alert – a push notification – to all your registered devices. We’ll include the last four numbers of your card in the alert.

    Depending on how you have set up push notifications for BOI Mobile, the alert that we send you will be partially or fully visible on your device.

    For joint accounts or business accounts, customers will only be sent an alert if a payment attempt is made using their card and they have spend alerts turned on.

    A genuine alert from us will never have a link in it.

    On Android: Tapping an alert on an Android phone or tablet brings you to this page on the Bank of Ireland website.

    On iOS: If the app is open on your iPhone or iPad but not being used, tapping an alert will bring you to the login page or back to your last position in the app. If you are using the app you will not get an alert.

  • What happens if you get an alert but you didn’t make a payment?

    If you get an alert but you or any other cardholder did not try to make a payment, this may be fraud. Contact us on the most suitable number below.

    .

  • When will an alert not appear?

    We cannot guarantee you will get an alert each time you go to make a payment. Do not depend only on alerts for an overview of your activity. If you do not get an alert, you’re still responsible for what you spend, and for any charges.

    • There may not be alerts for certain types of transactions. Examples would be refunds, or recurring transactions.
    • On some occasions, the store or seller may not ask for approval for the payment. A payment will be made as normal, but will not create an alert.

  • Can alerts be delayed?

    Delays can also happen if the seller’s terminal is offline for any reason. A delay can also happen if your registered device was powered off, or had poor network coverage at the time you were making a payment.

  • Why does an alert appear twice?

    If you use Apple Pay or Google Pay to make a payment, you can get two alerts for the same payment. One of the alerts will be sent by us, and the other will come from Apple or Google, depending on the type of device you use.

  • What if details don’t match?

    Some details in the alert might not be the same as what you see in your current account.

    This can happen when you make a payment that’s not in sterling. The alert will show the amount in the local currency but your statement would show the sterling amount.

    The name of the store or business you made a payment to could be different. Many companies trade under a name that does not match the one above the shop door or the web address. Here’s a list of real company names that customers sometimes do not recognise.

  • A payment has been declined but I feel it should have been approved?

    If a payment has been declined but you think it should have been approved, check your balance to make sure you have enough money for the payment. If you do, get in touch with us and we’ll help fix the problem. Contact us on the most suitable number below.

    Northern Ireland / Great Britain03457 365 555, 9am to 5pm Mon – Fri, 9am to 2pm Saturdays and bank holidays. Calls to 03 numbers cost the same as calls to 01 and 02 numbers. Call costs may vary depending on your service provider. Calls may be recorded for monitoring and training.

    Republic of Ireland:0818 365 365 or 01 404 4000, 9am to 6pm Mon – Fri (including bank holidays), 10am to 2pm Saturdays.


Travel banking


  • Taking your debit card abroad

    Your debit card also allows you to pay for goods and services worldwide wherever you see the Visa sign. It’s just like using your card in shops and cash machines at home and means that you don’t have to travel with large amounts of cash.

    There are no charges for withdrawing euros at Bank of Ireland cash machines in Ireland. Charges apply for making debit card payments in a foreign currency and for cash withdrawals in a foreign currency made in the UK, outside of the EEA or not in euros.

  • Charges for using your debit card abroad

    When buying goods or services abroad with a debit card, a non-sterling transaction fee of 2.75% of the transaction amount applies.

    When withdrawing cash in a foreign currency, the following charges apply:

    Cash withdrawal in foreign currency

    Cash withdrawal in any foreign currency (non-sterling transaction fee)2.75% of the amount withdrawn
    Additional charge (non-sterling cash fee) if the cash withdrawal is:

    • made in the UK
    • made outside the EEA
    • not in euros

    The cash machine will give you notice that you may be charged.

    There are no charges for withdrawing euros at Bank of Ireland cash machines in Ireland.

    		£1.50 per withdrawal

    Take a look at our example of what costs are involved when using your debit card abroad.

    Bank of Ireland UK Visa Debit Card

    OVERSEAS TRANSACTIONPURCHASECASH WITHDRAWAL
    (NON-BANK OF IRELAND CASH MACHINE
    OUTSIDE THE UK)    		CASH WITHDRAWAL
    (BANK OF IRELAND CASH MACHINE IN ROI)
    Euros€ 100€ 100€ 100
    Exchange rate0.900444 0.9004440.900444
    Sterling amount£90.04 £90.04£90.04
    Non-sterling transaction fee£2.48 (2.75%)£2.48 (2.75%)£0
    Cash feen/a£0£0
    Total£92.52£92.52£90.04

    Information correct as at 27/03/2023

    Rate used for debit card payments in a foreign currency and withdrawing cash in a foreign currency at non-Bank of Ireland cash machines outside the UK:

    Visa: £1 = €0.900444

    The table above is an illustrative example based on an exchange rate of 0.900444 for Visa on a €100 spend.

    The exchange rate used is a sample rate provided by Visa. The actual rate applied will be the daily Visa exchange rate. This is the exchange rate set by Visa, from time to time, as shown, where applicable, on your statement.

    Check Visa exchange rates using the Exchange rate calculator. The rate that appears on your statement will be calculated according to the prevailing rate at the time the transaction is made.

    Rate used for cash withdrawal (Bank of Ireland cash machine):

    Bank of Ireland Group: £1 = €0.900444

    The table above is an illustrative example based on an exchange rate of 0.900444 on a €100 spend.

    The exchange rate is a rate determined by the Bank of Ireland Group. The actual rate applied will be the daily Bank of Ireland Group exchange rate. This is the exchange rate set by Bank of Ireland Group, from time to time, as shown, where applicable, on your statement. The rate that appears on your statement will be calculated according to the prevailing rate at the time the transaction is made.

    The cash machine will give you notice if you are to be charged any additional charges.

    Please also refer to your statement for details of any fees that have been applied to your account following use of your card overseas.

    For more information on using your card overseas, please refer to your Terms and Conditions.

  • Currency Converter

    Currency converter

    Use our European Economic Area (EEA) foreign exchange currency converter below to identify the currency conversion charges and the percentage mark-up over ECB exchange rates that may apply to your foreign exchange transaction.

    Glossary:

    • Amount at Visa or Mastercard rate: The converted amount using the foreign exchange rate supplied by Visa for debit card and by Mastercard for commercial credit card transactions.
    • Non-sterling transaction fee: The fee charged by Bank of Ireland UK for the currency conversion.
    • Percentage mark-up over the European Central Bank (ECB) rate:
      This is the difference, expressed as a percentage, between the total transaction amount (above) for the currency conversion and what you would pay if the transaction was carried out at the current ECB rate (the ECB rate does not include the non-sterling transaction fee).

    Disclaimers:

    1. The rates quoted at the time of using the calculator are the latest rates available to Bank of Ireland UK and may not be the same rates as when you complete a transaction. The value of the transaction that appears on your statement will reflect the exchange rate applicable at the time the transaction is posted to your account.
    2. The Euro foreign exchange reference rate from the ECB which is used to calculate the percentage mark-up over ECB rate, is subject to change on a daily basis.
    3. The Mastercard exchange rate which is used for Bank of Ireland UK commercial credit card currency conversions, is subject to change on a daily basis.
    4. The Visa exchange rate which is used for Bank of Ireland UK debit card currency conversions, is subject to change on a daily basis.
    5. Please note, for commercial credit card transactions, you will be charged a cash withdrawal fee of 2.5% (minimum of £3) whenever you withdraw cash and you will be charged interest on any cash withdrawal from the date you withdraw the cash until the account is paid off in full.
    6. Other transaction fees, independent of currency conversion charges, may apply. Please refer to your relevant fees and charges brochure online or at your local branch.

  • General advice

    • The exchange rate applicable for debit card payments in a foreign currency and cash withdrawals in a foreign currency outside the UK at non-Bank of Ireland cash machines is the Visa Exchange Rate operating on the date the transaction is applied to your account. We recommend that you use the Exchange rate calculator for more details of the specific rate applied.
    • If you are planning on travelling abroad you should always take more than one form of payment method such as debit card, credit card, prepaid credit card or cash.
    • There may be a reduced daily limit for cash withdrawals in a foreign currency from cash machines on debit cards in certain countries. Please call your branch for details.
    • We recommend you read the Your rights when making payments in Europe leaflet before making any payments.
    • It’s worth knowing that when you use your card abroad, some retailers and cash machines may offer to process your transaction in sterling, rather than the local currency. This is called Dynamic Currency Conversion (DCC) and it may make your transaction more expensive than if you had paid in the local currency.

  • Credit cards

    If you are an existing customer, find more information about using your card abroad.

Strong Customer Authentication (SCA)



    • What is Strong Customer Authentication (SCA)?

      Strong Customer Authentication (SCA) works to ensure that it is genuinely you making online purchases or banking online. It is designed to help keep your financial information safe and make online purchases and banking even more secure.

    • Does SCA affect me?

      Yes, if you make online payments using your credit or debit card, SCA will affect you. We are introducing this change to make banking safer for you.

    • How will this work for me?

      From July this year you will need to use the Bank of Ireland banking app to confirm it is really you who is making the payment. If you don’t have a smart device or are unable to use our Bank of Ireland banking app we can then provide you with a Physical Security Key (PSK).

    • What is a PSK?

      This is a small, handheld device that generates a new passcode each time to confirm that it is really you who is making the payment when you use your card for some online purchases. If you don’t have a smart device or are unable to use our Bank of Ireland banking app, you will need to order a PSK. For further information on PSKs, click here.

    • Can I opt out of this service?

      If you want to use your card to shop online, you cannot opt out of this service. You will need to use the Bank of Ireland banking app or, if unable to do so, a Physical Security Key (PSK) to authorise transactions. Under Payment Services Regulations we have to ensure SCA is performed for certain online transactions.

    • I live abroad, do I still have to do this?

      Yes, to ensure you can continue to use your cards for transactions in the UK & EU or access your accounts online, you will need to be set up for SCA.

    • How will SCA work once introduced?

      For full details of what the approval steps using the Bank of Ireland banking app will look like, what will happen if you don’t receive the push notification or what to do if using the PSK, please click here to download ‘A Guide to Strong Customer Authentication’ brochure.

    • What do I need to do to get ready for SCA?

      You will need to be registered for 365 online in order to continue to shop online when SCA is introduced. You will then need to download the Bank of Ireland banking app from the relevant App Store/Play Store for your phone.

      If you are not registered for 365 online:

      • Please call us on 0345 600 7568 from 9am to 5pm Monday to Friday and we will get you set up.

      If you are already registered but have forgotten your 365 online User ID:

      • Please text ‘User’ to 50365 and we will reply with your User ID.

      If you have forgotten your PIN:

      • Please call us on 0345 600 7568 from Monday to Friday 9am to 5pm and Saturday 9am to 2pm, closed Sunday, and we will help you re-set your 365 PIN.


    Apple Pay

    Apple Pay is available to Bank of Ireland UK customers* on Apple devices.

    Add your debit card to Apple Pay on your iPhone, Apple Watch , iPad or Mac and make quick, easy and contactless payments. You can use Apple Pay for in-app purchases and on the web too. It’s a safe and secure way to pay.

    *Apple Pay is available on all Bank of Ireland UK personal and business debit cards (initially this will be made available for sole traders who are sole signatory on their business account).

    Note – This service is not available to Bank of Ireland UK personal & commercial credit card holders at this time.

    Features & Benefits

    Apple Pay takes the hassle out of paying for goods or services, allowing you to make quick, easy and contactless payments by holding your device near a card reader. You can also pay for goods and services in apps or online using Apple Pay.

    • No need to have your physical card, wallet or bag on you to make payments when you’re out and about. You just need the Apple devices you use every day.
    • It keeps you from having to touch physical buttons or exchange cash when you’re out getting what you need.
    • You can store your Bank of Ireland UK debit card in Apple Wallet. (Please note that Bank of Ireland UK credit cards cannot be stored within Apple Pay at present.)
    • You can use Apple Pay to pay for goods and services online. No need to remember or find your card details, or share these with merchants.
    • There is no upper limit, so you are not restricted to the current contactless payment limit (transactions over £100 may not be supported by some merchant terminals).
    • If you report your debit card as lost or stolen, a new card will be ordered and posted to you. Your Bank of Ireland UK debit card in your Apple wallet will be automatically updated on the second business day after reporting the card lost or stolen. You do not need to update your Apple wallet. You will not be able to use your Bank of Ireland UK debit card on your Apple wallet until it has been automatically updated.
    • You can use Apple Pay wherever you see the Apple Pay logo, or contactless payment symbol.

    • How do I set up Apple Pay?

      Apple Pay lets you use your Apple device to pay with your Bank of Ireland UK debit card wherever you see the Apple Pay or contactless logo. You can use Apple Pay for in-app purchases and on the web too. It’s a safe and secure way to pay.

      1. Simply open the Apple Wallet app, tap + to add your card.
      2. When prompted, enter the card details or capture an image of your Bank of Ireland UK debit card.
      3. You’ll be asked to enter a verification code, and once this has been authenticated, you’re good to go!

    • Where can I use Apple Pay?

      In Shops

      Hundreds of thousands of stores now accept Apple Pay. You can use Apple Pay anywhere that accepts contactless payments. You can make payments for any amount with Apple Pay, though some retailers may not support Apple Pay transactions above £100.

      Look for either of these symbols at checkout.

      In-app purchases

      Many apps now accept Apple Pay, so you don’t have to enter your card details to make in-app purchases. Simply select Apple Pay at the checkout and use Touch ID or Face ID to complete your payment.

      On the web

      Apple Pay is also available on the web in Safari. Whether you’re shopping or donating on your iPhone, Apple Watch, iPad or Mac, use Apple Pay without having to create an account or log in.

      Touch ID is also available on the new MacBook Pro, so paying happens with just a touch and is quicker, easier and more secure than ever before!

    • If I am having problems making a payment

      There could be a number of reasons for this:

      1. There may be insufficient funds or credit limit available to make the transaction
      2. The payment is over £100 Some merchants may not support Apple Pay transactions above £100 on their terminals.

    • Terms and Conditions

      To see Bank of Ireland Digital Wallet Terms and Conditions click here

    • FAQs

      For those who are new to digital wallets, we have collated the most frequently asked questions to help you on this exciting journey. Apple Pay FAQs

    You can use Apple Pay™ to make contactless payments using compatible devices wherever you see the contactless or Apple Pay logos. Apple Pay is available on all Bank of Ireland UK Debit cards.

    Google Pay

    Google Pay is available to Bank of Ireland UK personal and business* customers on all Android devices.

    *Initially this will be made available for sole traders (who are sole signatory on their business account) that hold a Bank of Ireland UK business debit card

    Note – This service not available to Bank of Ireland UK personal or commercial credit card holders at this time.

    Features & Benefits

    Digital wallets take the hassle out of paying for goods or services, allowing you to make quick, easy and contactless payments by holding your smartphone device near a card reader. You can also pay for goods and services in apps or online using your digital wallet.

    • No need to have your physical card, wallet or bag on you to make payments when you’re out and about. You just need your Android smartphone.
    • You can store your Bank of Ireland UK debit cards in your digital wallet. (Please note that Bank of Ireland UK personal or commercial credit cards cannot be stored within Digital Wallets at present.)
    • You can use your digital wallet to pay for goods and services online. No need to remember or find your card details.
    • There is no upper limit, so you are not restricted to the current contactless payment limit (transactions over £100 may not be supported by some merchant terminals).
    • If you report your debit card as lost or stolen, a new card will be ordered and posted to you. Your Bank of Ireland UK debit card in your digital wallet will be automatically updated on the second business day after reporting the card lost or stolen. You do not need to update your digital wallet. You will not be able to use your Bank of Ireland UK debit card on your digital wallet until it has been automatically updated.

    You can use you digital wallet wherever you see the Google Pay symbol, or contactless payment sign.


    • How do I set up Google Pay?

      Google Pay is the fast, simple way to pay with Google and Bank of Ireland UK debit cards. When you use your phone to pay in shops and online, Google Pay will not send your Bank of Ireland UK card number to make your payment – your card details stay safe in your Google account.

      How do I set up Google Pay?

      It’s now even easier to get set up on Google Pay with your Bank of Ireland UK debit card. Use the simple steps below to get set up straight away.

      1. Download the Google Pay app to your Android device.
      2. Add your chosen Bank of Ireland UK debit card to your Google Pay digital wallet.
      3. Validate your card entry to your digital wallet via one of 2 methods (receipt of a One Time Passcode anytime 24/7 via SMS or by calling Bank of Ireland*)
        *Phones lines for card validation are available 9am-5pm Mon-Fri or 10am – 4pm Saturday & Sunday.
      4. You can now use Google Pay on your Android device.

    • Where can I use Google Pay?

      In Shops

      For transactions under £100, simply wake your phone. For added security, you will occasionally be required to also unlock your device.

      For transactions over £100*, unlock your device and hold the back of it near the Contactless payment terminal until you see a checkmark. Your phone will beep and/or vibrate to confirm that the payment has been made.

      *Google Pay above £100 may not be supported by some merchant terminals

      Look for either of these symbols at checkout:

      In-app purchases

      Just select the Buy with Google Pay button at checkout within participating apps.

      See your transactions

      You can see a record of every payment you’ve made using Google Pay by checking your transaction history in the Bank of Ireland banking app or in 365 online.

      You can also see your last 10 Google Pay payments, including merchant details, under ‘Transaction history’ in the Wallet app.

      Switch between cards

      The first card you add to Google Pay becomes your default payment card however you can also choose which card to use when you’re about to pay – just open the Wallet app first and select the card you want to use.

      For in-app purchases, just select the Buy with Google Pay button at checkout within participating apps.

      Find out more about how to set up Google Pay.

      Please note that clicking on the link below will result in a new browser being launched to display non-Bank of Ireland content on the third party site.

      Google Pay FAQs

    • Terms and Conditions

      To see Bank of Ireland Digital Wallet Terms and Conditions click here.

    • FAQs

      For those who are new to digital wallets, we have collated the most frequently asked questions to help you on this exciting journey here.

    Important Documents and tools

    SCA Brochure, A guide to Strong Customer Authentication (SCA)

    Wherever you see the Visa logo, you can:

    • Use your Visa debit card. It can be used in shops and online in over 35 million places worldwide.
    • In addition you can withdraw cash at any cash machine displaying the LINK and/or Visa logo,. We don’t charge for making a cash withdrawal in pounds in the UK from cash machines. However, some providers may. The machine will give you notice that you may be charged.
    • The Bank of Ireland UK debit card is protected by Verified by Visa.