Daily limits apply to our 365 digital and phone channels and you will be advised of these limits when you use the service. We can change these limits at any time. From 24 October 2020, we will no longer include information about 365 limits or authorisation requirements within the Guide to Personal Banking brochures for Northern Ireland and Great Britain. Find out more
We have updated the Terms and Conditions to ensure we comply with the latest regulation, Payment Accounts Directive.
We have updated the Terms and Conditions to make them clearer and to ensure we comply with all the latest regulations. The key changes are as follows;
- A series of changes to reflect the introduction of ‘Open Banking’ regulation in January 2018;
- To clarify how and when you may be liable for loss in the event there are unauthorised transactions on your account; and
- To note that a wider range of business customers will soon be able to avail of 365 online and clarify the implications of a business nominating a person to use the Services.
To facilitate the inclusion of a specification of eligible Sole Trader customers clause 5.0 Accounts has been updated. A definition clarification of Customer / Customers has also been included in Clause 1.0.
To facilitate updates to the eStatements functionality clause 4.0 eStatements has been updated.
To facilitate the introduction of the new International Transfer service on 365 online our terms and conditions have been updated. Please see clause 7 International Transfers for more details. Please note that this functionality is not available on the Mobile Banking app of the Tablet banking app.
To facilitate the introduction of a number of developments for Bank of Ireland customers, Bank of Ireland is updating its 365 Phone, Online and Mobile Banking Terms & Conditions which will come into effect on 20th August 2014.
Bank of Ireland Tablet Banking App
A new Tablet Banking App will enable Bank of Ireland 365 online registered customers to access online banking services while on the go using a tablet device. Full details relating to Bank of Ireland Tablet Banking are set out in Clause 26 of the updated Terms and Conditions.
eStatements will be made available for additional account types (credit card, loan & term accounts) and other account documentation, such as the pre-notification of interest & fees, will be available electronically.
Additional Changes to Terms and Conditions
In addition to the changes set out above and a number of other non-material updates,the following changes will be made to your Terms and Conditions:
‘Definitions of Terms’ (Clause 1) updated to include ‘Bank of Ireland Tablet Banking’, ‘Digital Banking’ and ‘Security Credentials’
Additional information called out in ‘Security/Authentication’ (Clauses 2 &3), ‘Acting on Instructions’ (Clause 7) and ‘Termination’ (Clause 19)
Merging of ‘Pay To Mobile’ with ‘Bank of Ireland Mobile Banking’ (Clause 23)
The inclusion of Clause 6 entitled ‘Pay to Mobile’ to cover the addition of the new Pay to Mobile service on the Bank of Ireland Mobile Banking App which allows registered customers to send and receive payments using a mobile phone number. The clause includes the following:
You agree that when we process your Pay to Mobile payment, we rely on the payee’s mobile number only. It is your responsibility to ensure that the mobile number is correct.
You authorise us to disclose your mobile number to any payee for the purpose of administering any Pay to Mobile payment.
You consent to the Bank of Ireland Mobile App accessing data in the address book of your mobile device, if you select a contact number from your address book.
The inclusion of a section entitled “eStatements” to cover the addition of the new eStatements service on 365 online.
The addition of a section entitled “Bank of Ireland Mobile Banking” to cover the new Bank of Ireland Mobile Banking App.
Reference to the Mobile Banking App included across the document including clauses relating to ‘Definitions’ ‘Account Balance’ and ‘Charges’.
Changes resulting from the implementation of Payments Services Directive, including updates to the clause ‘Domestic Funds Transfer/Bill Payment Service’.
Cosmetic changes to terminology e.g. ‘One Time Activation Code’ replaced with the word ‘Security Code’
Update to wording of clause under the section ‘Alterations’