Bank of Ireland Avis 

Absolute failure of the bank.If there were 0 stars to choose, I would
I dont know where to start.
Locked my account 100s of times for no reason
To get anything sorted, you need to spend 2 hrs on the phone with people who can't speak English ( Its an Irish bank!!!!)
Business banking was better in 1930 than it is today in BOI
To transfer money around is a mission everytime
APP is from 1990 and it breaks n regular basis
Branches have customer service who cannot do anything and send you to the online support - what is the point?
The whole IT department should be fired
No wonder Wise or Revolut are taking this market share.
BOI is a thing of the past - avoid

Almost two weeks - waiting for a bank statement! Still not arrived!

Two weeks now!

Just what I expect from a company 'bailed out' by the Irish government!

No need for accountability!

THE worst bank.

On every level, this has to be the worst bank that I have ever encountered. Customer service is persistently and consistently, close to zero in terms of access, knowledge or responsiveness. They are also very arrogant and overly self assured in their responses yet time and time again….they are wrong whether it’s talking about DD’s, cut off times, international payments, currency accounts etc..

Pretty much anything ‘in App’ is clunky and underwhelming. A message to customer support takes 3-5 days before you will receive any kind of unsatisfactory or nebulous response. Even today, I received a notification (you all probably got one, too) telling me that ‘You are important to us. Click here to give us your feedback’ but when you ‘click here’ you are NOT taken to any survey.

This is just about the worst bank imaginable. Really inept.

Absolutely shocking having trouble over 2 weeks now. Everytime I try send money it says something went wrong. Every time I ring customer service they can’t solve it keep telling me they are gonna look into it and ring back I’m honestly thinking about switching banks!

I opened a Cash Isa. I have just called to find out if I can transfer the money via bank transfer rather than send a cheque. I have spent 10 minutes going round in circles with their automated system, pressing numbers and getting the same message. I am not putting my money into an account where I can't speak to anyone. No customer service whatsoever.

Purchasing on line requires Bank approval. A screen pops up, I swipe & authorise the payment. Then the Bk /Irl screen tells me to return to seller, but I cant close the Bank of Ireland screen which stays overlayed on seller screen and so I can't return to sellers screen to confirm I authorised the payment

You cannot edit payment details or reference when making a payment to a payee no matter how many times you have paid that person.

You must enter the details account number and sort code of payee all over again .

The app is archaic not fit for modern day banking . Makes you wonder how secure it is .

Trash useless customer service they always say you will get a call back you never do

My credit card was used by an unknown person to make an online amazon purchase, which I confirmed with amazon. When I called the card fraud department to report this I was agressively told to deal with amazon and not the bank. I said if someone has my card details and is using it I want to cancel it right away which would be procedure, this BOI CS staff didn't seem to agree but when I insisted my card was canceled. Also when I said my wife uses my card occasionally the employee made a silly comment with a snigger. Very strange bank.

Very awkward process to pay. I'm currently 12 and half minutes on the phone trying to pay off my card, listened to all the automated messages and getting swapped back and forth between 4 humans so far, currently on hold for another human. I guess it's not in their interest to make it easy to pay off the balance.

How this is regulated organisation baffles me. AVOID at all costs!

Worst experience with a bank ever.
I have provided everything they've asked me, tens of personal documents and informations.
After months of emails, phone calls, letters they never decided to help me open a bank account and just stopped replying.
Definitely don't recommend.

I have had a very difficult time getting banking 365 setup for my sports organisation.
I made several visits to BOI Naas and completed all the forms. Then when I was told all was in order I said what about B365 they said that organisation will be in touch in the next 48 hours. So I had my phone next to me and its now 6 days . I just cannot get time away from my desk to get into branch its so frustrating. One of our main vendors is getting upset and its not fair all round. When you make a complaint it doesn't even give you a complaint number or send you an email ! so you have no information to discuss . I am glad I am with AIB all my life and my group is mainly Danske although some if it is BOI.

Dreadful customer service. "365" banking should be "260" banking......only available weekdays. Card transactions take several days to appear on the account. as with other reviews you get put on interminable hold while well meaning but untrained staff " consult with their team". Was cut off during a call and had my card blocked because they hadn't "completed " the call. They didn't make any effort to contact me, If there was 0 stars that's what they deserve.

Atrocious from the get go. Went into a branch to set up a savings account and was asked a load of irrelevant personal questions during the set up process.. unprofessional and I felt obliged to answer them at the time. Chased up my account for weeks and kept being given excuses from the agent who was meant to be setting it up. Chased it up for months over the phone with the call centre. 4/5 months later the account was finally set up. Found out I would only be able to do cash withdrawals even though I had been told I would be able to make transfers in and out of the account, so it wasn’t fit for my purpose anymore. Chased it up over the phone for weeks, they kept saying someone would ring me back.. they never did. Every time I rang they didn’t know why I couldn’t do transfers. Eventually a phone operative told me it’s because my account had been set up after October that year. At that point I gave up, only to later notice I initially went in to set up the account in early March and the account wasn’t set up for me until end of July.. before October!! Made 1 transfer to the account in 3 years and 1 withdrawal a few months after it. Had €25 left in the account. Keep getting asked to send proof of my employment despite not even using the account. Have had accounts with permanent tsb for over 15 years have never been hassled for anything and no other BOI customer I know gets hassled like this. Then they blocked my account so I can’t take out my €25 now without even more hassle with them. Beyond shocking, I thought a bank would be professional and efficient. Would never be able to recommend this crowd. It would be 0 stars only for the fact one of my local branches has very polite staff. Another hopeless experience with this crowd: a family member sent money to my permanent tsb account from their bank of Ireland current account. Months passed and there was no sign of the money. He rang them to sort it out within those months and they kept saying they’d fixed it but it was never fixed. Eventually he made a formal complaint and at that point they sent the money but then sent him a letter saying he owed them a huge overdraft which he didn’t and there was no record of it when he logged into his bank account… he’s also had terrible trouble accessing the app and when he rings up about it they tell him someone will ring him back about it and they never do.. absolutely nothing but hardship

I'd give no stars if Trustpilot allowed it.

We tried to make a payment using the BOI Business Approve system. It failed each time causing our PC to lock up.

A call to their Business Centre (joke) didn't resolve the issue because they are located in India, and the comms link is so bad (it hasn't improved, despite what BOI say) we can not understand anything.

The BOI branch business manager advises there is a new system in place; the old one no longer works. We were never advised of the change, and are no longer able to pay our suppliers on-line.

Despite this, the business manager, a Paula Lavin, gave no advice how to resolve the problem.

With numerous problems we've had in the past with BOI we are firmly convinced they would rather do without small businesses, as they are reluctant to help.

The problem in Ireland is that it is a corrupt country, and only works if you have the money to make it work for you.

Shocking service. Irish BOI phone operators get you off the line asap and you find yourself talking to an Indian operator who has no clue how to deal with your request. I answered the same 'security' questions 4 times in 15 minutes, trying to extract the answer to a very very simple question. The operator had to keep putting me on hold while he 'consulted with his team'.

A complete farce.

I applied for an Affinity credit card, received the wrong university image/name - nobody can help.

Pathetic.

Not great bank. Transactions takes ages, specially if sending money to other countries while other banks can transfer the money in the minutes. App is slow I can only see minuses

If I could give zero stars, I would. Our experience with BOI has been extremely disappointing and frustrating.

We first decided to open an account with BOI, but the process was unnecessarily long and inefficient. While another bank processed my account smoothly and delivered my card within a few days, my husband had to wait more than two months before his BOI account and card became available—despite being repeatedly told by customer service that it would arrive “within a few days.” To make things worse, BOI also charges higher fees compared to competitors.

Later, we applied for a BOI credit card because of their advertised travel rewards. The application claimed to be processed within 24 hours, but weeks passed with no update. Only when we followed up did we learn that additional documents were required—something we were never informed about beforehand. After submitting the requirements, we were told the card was approved and would arrive within 5–7 days. Yet again, weeks passed with no card. Multiple follow-ups led to the same vague response: “It’s still in process.” No clear explanation, no accountability. After more than two months of waiting, we finally decided to cancel and applied with another bank (R******), which came highly recommended for both service and travel rewards.

This entire experience has been a complete waste of time. BOI’s processes are slow, disorganized, and inconsistent. Their customer service provides generic answers but no real solutions. Compared to other banks in Ireland, BOI is falling behind in both system efficiency and client service.

We will never recommend BOI to anyone. If BOI doesn’t improve its processes and customer service, it will continue to lose clients to competitors who provide faster, more reliable, and customer-focused service.

Verdict: Worst banking experience we’ve ever had.

They never call you back when they say they will totally useless