Ways to Bank

Do all your day-to-day banking activities online, 24 hours per day, 365 days a year. Bank of Ireland 365 digital and phone banking puts you in control. Carry out a wide range of banking activities and manage your accounts with 365 online and phone and our banking app.

365 Terms & Conditions

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

365 Phone and Digital Banking Terms and Conditions - Northern Ireland and Great Britain (upcoming, current and historical)
31st October 2018 - 15th November 2019ViewPrint Summary Summary

We have updated the Terms and Conditions to ensure we comply with the latest regulation, Payment Accounts Directive.

13th January 2018 - 31st October 2018ViewPrint Summary Summary

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.
20th July 2016 - 13th January 2018ViewPrint Summary Summary

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.

17th November 2015 - 19th July 2016ViewPrint Summary Summary

To facilitate updates to the eStatements functionality clause 4.0 eStatements has been updated.

2nd March 2015 - 16th November 2015ViewPrint Summary Summary

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.

20th August 2014 - 1st March 2015ViewPrint Summary Summary

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)

5th June 2013 - 19th August 2014ViewPrint Summary Summary

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.

25th September 2012 - 4th June 2013ViewPrint Summary Summary

The inclusion of a section entitled “eStatements” to cover the addition of the new eStatements service on 365 online.

6th March 2012 - 24th September 2012ViewPrint Summary Summary

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’