Bank of Ireland Avis 

Their new passcode app doesn't work. In fact it's an absolute joke! I am unable to transfer funds online to my revolut. It gets stuck in the process of loading, then it cancels it and after a few goes locks me out of my account. How can they get it so wrong? I can no longer put up with this incompetent nonsense. I'm moving bank.

My business partner and I flew from our residence in the UK to Dublin and opened a business account at the beginning of November 2025. 4 moths later in February 2026 we have still failed to gain access to the account. We have tried many pins and passwords until we finally gave up. I am familiar with the BOI as I have had an online current account for many years. However, it seems this recently opened business account is not to be. I wondered if anyone else had encountered this problem. There is little support.

A third class bank.
Waited for 25 minutes to connect with a customer care executive to enquire about , and she forwarded the call to sales team.

Bank of Ireland sent me a letter on January 2nd stating that if I didn’t respond within three weeks or make a transaction on my account, it would be closed.

The problem? I only received the letter today — 6–7 weeks later. When I checked the app, my account had already been closed.

I called Bank of Ireland and explained the situation: it took nearly seven weeks for their letter to reach Denmark and be delivered to my mailbox. I asked if they could reinstate my account, and the answer was no. My only option was to apply for a new account. I don’t want a new account since my banking details are already shared with several institutions from when I lived in Ireland.

Because of this hassle, I also asked them to close my savings account. They then told me I would need to visit my local branch to process the closure. I had to explain that I no longer live in Ireland and I’m certainly not flying there to close an account with €2 in it.

Apparently, my only other option is to write a letter 🤦

If you want to do business with a bank that operates on IT infrastructure from the 1990s, go ahead and use Bank of Ireland. Otherwise, I’d suggest finding a better alternative.

Very slow service
Very difficult to get any new accounts open , even a basic savings account
App not user friendly disappointed
Been a customer for 3 years and will now move to AIB

Absolute rubbish bank, they should change the first letter b to a big W ! They do not have any customer service, instead they have "waste your time service". They cannot get anything right. The latest is this stupid PASSCODE that they have introduced. Doesn't work! I called "Customer Waste Your Time service" multiple times only to speak to some person in india that does not have a clue what to do. I'm with this bank more than 20 years but I'm leaving once I can get access to my accounts. DO NOT MAKE THE MISTAKE OF OPENING AN ACCOUNT WITH THEM !!!

Bank of Ireland are so unnecessarily clunky and complicated. You need two security codes to log into the website, and for some stupid reason they recently made you discard the passcode and pick a new code, and they have a pin and passcode and it's really unclear which they are referring to. Why have a pin and a passcode both six digits and a six digit user code? you have to log into the website to do things that you can't do on the app, you need different codes to log into the same account from different devices and I have recently had payments declined for no reason and transfers from current account to credit card taking an unnecessarily long time. And the payment alert to your phone appears as a notification but then disappears when you click on it so the entire message can't be read. It's pretty useless and I find it so frustrating I am considering closing my account with them.

What An Appalling Bank They Are, I Was Trying To Contact Them About Charge back On Money I Paid For Products On A Site Which I Presumed Was Legitimate but Turned Out To Be A Scammers Website 🙄
You Can't Even Talk To Anyone In Person To Explain It's All Automated Through Text And Email, Which You Can't Even Reply To. So The Refused My Claim Because I Couldn't Supply Them With Sufficient Information From The Scammers Who Weren't Even Engaging With Me??... So Really No Customer Service, It's All About Protecting The Scammers And Just Running Customers Around In Circles.
They Give Us All This Advice About Scammers, But When It Comes Down To It, They Themselves Bank Of Ireland Don't Protect Us The Customers Unless You Can Supply Them With Reems Of Paperwork From The Scammers Who Don't Engage With Anyone Once They Take Your Money.
Absolutely Horrible Customer Service....
I'd Give - 4 Stars ⭐ If I Could...

Very difficult comucation should be better

Honestly couldn’t be worse than this, their app is absolutely rubbish and outdated, payment authorisations frequently don’t work or show up on the app and they then have the neck to charge a ‘maintenance fee’ every month.

They stay this way as there is little to no competition in banking in Ireland, there are banks in many developing nations that far exceed the technology and services offered by BOI and don’t charge monthly fees.

I rather stupidly moved a Cash ISA from Tembo to these people and whereas they have transferred the money they say the correct forms were not sent. I will contact the Banking Ombudsman shortly but beware if you are trying to move money to these people.

1 star is too much . BOI need to get their IT sorted . To not be able to filter transactions by Lodgements / credits is a disgrace . Ulsterbank had capability 20 years ago . Time to switch !!

Had to call their customer service in India as they had a block on my card for booking a hotel that I have always booked as they say it could be suspicious. First agent had me on hold every 5 minutes then came up with a brainwave and asked me to re install the app. Dont they understand that re installing the app wont lift a block they have on my card even if i re install the app a million time,pathetic service. So she put me through to another chap who tell me their is a block on my card for this hotel, surprise surprise. Hotel confirmed there is nothing malicious about their website so no reason what so ever to block the card. Takes 20e each time I call,depends could cost more the longer your calling.Was told the block was lifted so tried to book still no luck called again to have it removed. Avoid calling bank of Ireland Customer Service at all cost.

Was having issues with my visa debit card and processing online transactions. When I got transferred to their security department, the person explained that there was a temporary hold on my card as there has been a big increase in fraudulent transactions over the last few weeks - at no stage was I notified about this but was concerned when every time I went to process an online transaction, my card didnt work. The person explained that I should have received a text (which I didnt) and then said that they dont always text if a suspicious transaction is being processed on a card, instead just putting a temporary hold on it. Long story short, I was told they would lift the hold on my card so I could process an important transaction - they didn't which meant I needed to ring back and speak with another agent for 10 mins who then said, the problem must be on the other end. A complete waste of time and I ended up having to pay via Revolut - a more efficient process. Lots of the usual bureaucracy and red tape - a rubbish service

Absolutely load if rubbish avoid at all costs the customer service needs putting in the bin along with the full company iv never ever known a bank like this in my life they don't even know what they are talking about thick as they pass you around like a basket ball and do nothing but pass the buck because they can't be bothered to do there job awfull do not join this thick headed idiotic bank

Very disappointing in the service and customer care this bank has to offer. IE banks are at the lowest point, I seen better customer service in other smaller countries.

After years of loyal banking I am now very unimpressed and disappointed with the customer service and courtesy towards customers. I always appreciated having a local branch and paying for this service. But customer service is non existent in branch now nor on 365 online banking. There’s no point paying extra for service not provided.
Avoid and find an alternative option!

If I could rate lower than one star I would.

BOI’s incompetence nearly cost me my home, for some reason they use an intermediate bank for UK payments, their intermediate bank flagged my RENT payment, this was TWENTY THREE months of consistent payment to same account with no changes.

BOI dealing with this issue gave me consistently wrong information or just none at all. They were incredibly slow to get any action done to the point my letting agent was threatening an issue to vacate the property due to the banking errors caused by BOI.

This was not an issue that could be set aside, yet nothing was acted with urgency, didn’t receive the contact they said they would.

Do not even open an account, unless you want a nightmare when things go wrong.

10 weeks trying to open a business account. Fully cro and rbo registered. Jumped through hoops supplying information to be told today that my application was declined. Shocking service from the new accounts opening team in response times, no correspondence for weeks and then a 2 min phone call from a business advisor saying the application was declined. Currently looking at further steps. One if the worst customer service experiences I’ve ever had.