What is a digital wallet?
A digital wallet simply holds digital versions of your debit cards on your smart device, such as a smartphone or tablet. As with contactless card payments, you can make purchases in a shop by holding your smart phone over a compatible card reader (point of sale machine). You can also use a digital wallet app while shopping on your device.
What digital wallet apps can I add my cards to?
You can now use Google Pay to add your Bank of Ireland UK debit cards to your smart devices.
- What Devices are compatible with Google Pay?
What type of Bank of Ireland UK cards will work in a digital wallet?
UK Personal & Business* debit cards
*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,
How do I add my card to Google Pay?
- Open the Google Pay app, then tap 'Payment' from the bottom menu and tap the ‘+’ sign
- Line up your Bank of Ireland UK card within the frame on the screen to capture your card details automatically or enter these details manually. Note: Any card(s) previously registered in the Google Play Store will be automatically displayed.
- Confirm your details and your CVC and your address.
Your CVC is the 3-digit code on/beside the signature panel on the back of your card
- Read and if you are happy to do so, Accept the Terms and Conditions.
- Verify your card by following the on-screen instructions by either
- using a One-Time Passcode sent by text message if your mobile number is registered with BOI.
- or by calling customer service to verify yourself. Phones lines for verification are available 9am - 5pm Mon-Fri, 9am - 2pm Saturday, closed Sunday.
- Complete – you’re now ready to use Google Pay.
Why is the One-Time Passcode required to add my Bank of Ireland UK card to my digital wallet?
To ensure the security of your card, we send a One-Time Passcode by text message to your registered mobile number. You will verify your identity by entering this code in the appropriate field.
Where will the One Time Passcode code be sent when adding my cards to a digital wallet?
The One-Time Passcode will always be sent to the registered mobile phone number of the primary cardholder for debit cards. If the cardholder is a joint-account holder, the One-Time Passcode shall be sent to the registered mobile phone number stored against the cardholder requesting to add a card on the wallet.
How many times can I request a new One Time Passcode?
You can request a new One Time Passcode a maximum of three times within a 24 hour period. After this, you need to use another verification method. You will have to verify yourself by calling the customer service number provided on screen.
How do I use Google Pay?
In-Store Hold the device to the terminal. 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 to 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 transactions above £100 may not be supported by some merchant terminals
In-App Just select the ‘Buy with Google Pay’ button at checkout within participating apps.
Where can I use Google Pay?
In-Store You can use Google Pay wherever Contactless payments are accepted; just look for the Contactless or Google Pay symbol.
In-App You can pay in any app where you see the ‘Buy with Google Pay’ button.
Do I need mobile data or Wi-Fi connection to use Google Pay?
You may require mobile data or Wi-Fi connection to make Google Pay transactions in-store. You will need mobile data or Wi-Fi connection to add a card to Google Pay, to replenish security settings and after a device restart. You will need mobile data or Wi-Fi connection to receive the transaction notification.
- How many transactions appear in the app?
What are the fees and charges associated with using your debit card digitally?
Where we charge fees that apply to the use of your debit card, those fees will also apply when you use your card digitally. Bank of Ireland UK does not currently charge an additional fee where you use a digital wallet to make payments using your card. Digital wallet providers may charge you separate fees for their services.
Note: Mobile network provider charges may apply depending on your data plan.
For more information on fees and charges for your account type please review attached link.
Is Google Pay safe to use?
Yes. When you shop at a merchant, Google Pay doesn't send your actual debit card number with your payment. Instead a virtual account number is used to represent your account information – so your card details stay safe. When you use Google Pay for the first time we may send you a security code to use to confirm that you want to add your debit card to your Google Pay Wallet. You should never ever give that code to anyone else regardless of who they say they are or why they say they need it.
What should I do if my card is lost or stolen?
If your card is lost or stolen, please contact us immediately on 0345 736 5555 or 0800 121 7790. International line 0044 345 1610020
- Calls to 03 numbers cost the same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way. Calls to 0800 numbers are normally free from UK landlines and mobile phones. Call costs may vary dependent upon your service provider. Calls may be recorded, monitored and used for training and compliance purposes.
If my card is lost or stolen, can I still use Google Pay on my device?
Once you report the 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.
What should I do if my smart device, which I have my digital wallet on, is lost or stolen?
If your device is lost/stolen please contact us immediately on 0345 736 5555 or 0800 121 7790. International line 0044 345 1610020. We can block your digital card on Google Pay.
* Calls to 03 numbers cost the same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way. Calls to 0800 numbers are normally free from UK landlines and mobile phones. Call costs may vary dependent upon your service provider. Calls may be recorded, monitored and used for training and compliance purposes.
We recommend that you also register for and use Android Device Manager. This will allow you to find, lock and delete details on your phone if it is lost or stolen.
You can enter ‘Find my Device’ on Google.com to attempt to locate your device.
How do I choose a card in my digital wallet to make a payment with?
The first card you add to Google Pay becomes your default payment card and will remain so unless you change it.
To change your default card, or to make a payment using another card, simply select the preferred card within the Google Pay app settings and tap 'Set as default card'.
- Can I use multiple cards with Google Pay?
What happens if I replace or update smart device on which I use a digital wallet?
If you replace or update your device, you will need to add your card(s) to Google Pay again.
Please ensure that you remove your card(s) from any device before selling, exchanging, or disposing of it. You should also remove your card if you temporarily pass your device to someone else; for example, if you pass it to be repaired.
You can remove a card from Google Pay at any time. Select the card within the Google Pay app, and tap 'Remove card'. You can also go to Android Device Manager to remotely erase all the data in the device, including your card(s).
What if I am having problems with my Google Pay payment?
There could be a number of reasons for this:
- There may be insufficient funds or credit limit available to make the transaction
- The payment is over £100 Some merchants may not support Google Pay transactions above £100 on their terminals.
- The merchant does not accept Contactless payments Not all retailers accept contactless payments yet. Please use another payment method such as your Bank of Ireland UK debit or credit card with Chip and PIN authorisation.
- You haven’t established a data network or Wi-Fi connection for a while. Mobile data or Wi-Fi connection is required after 30 transactions to replenish security settings and after a device restart.
- Your phone is not NFC-capable or the NFC function is turned off (NFC is the chip on your phone that allows contactless communication with the point of sale).
Am I able to use Google Pay with my Bank of Ireland UK credit card?
No – Google Pay isn’t currently available with your Bank of Ireland UK credit card. It will be introduced following the change to your personal credit card provider, which you have been notified of.