Bank of Ireland Avis 

Bank of Ireland has been the worst banking experience I’ve ever had—and I’ve banked in both New Zealand and the UK. Their app is outdated, glitchy, and frustrating to use. I closed my personal account after they started charging €6 per month for what, exactly? A terrible user experience and an archaic banking system.

Now, my credit card—which I’ve had since 2023—has completely disappeared from the app. I can’t make 3D Secure payments, check my balance, or view transactions. It’s beyond frustrating.

I’ve moved all my banking to Revolut and am seriously considering cancelling my credit card, cutting ties with Bank of Ireland for good.

If you want poor visibility of your transactions and no visibility of your subscriptions - opt in for the account there. I tried to cancel unwanted (scam) subscription and it is impossible, They advised me to contact the scammer. So I had to cancel my credit card completely. No more credit card with them anymore.

Appalling app. You have to renter personal details when opening a new savings account USING THE APP! Then you wait 2 weeks and eventually are texted the new account number which you have to manually enter back in to the app for viewing. Even then they may refuse to add the new account to the app. When you ring customer service to fix it they don’t understand the problem. When you go in to the branch staff are obliged to ring the same clueless call centre in SE Asia ( and the problem is not fixed) Seriously awful.
Also if requesting withdrawal (in app) from savings account to current account takes 3 working days!

I had called BOI for the first time after I needed some assistance regarding my mortgage I already have with them. Everyone I spoke to was really helpful and they got me through the to the department I needed once I explained what I may need. Hats off to Steve Gribbon he was such a pleasure to speak to, I really appreciated his time and efforts with me. He followed through on every thing he said he would do in an efficient manner! Really couldn't complain with the service. Thanks BOI and more so to Steve, he's a credit to your company!

I dealt with Aiswarya from Customer service dealing with a matter I needed organised asap.

She was extremely helpful 😁

What's wrong with this "bank"? I opened an account. Got confirmation, got a card, got a PIN. Just no account number.

They won't give it to me either, I've called three times and sent emails. I can't get my account number! Is it stupidity or fraud?

I had a disappointing experience with Bank of Ireland. The process for [specific issue, e.g., opening an account, resolving a transaction] was extremely slow and inefficient, and I found it difficult to get clear answers from customer support. I believe there’s a lot of room for improvement in terms of communication and responsiveness. I hope the bank can streamline their processes and prioritize better customer service in the future.

I recently had the misfortune to be persuaded to join facebook, i should explain that i am part of a generation that grew up before mobile phones and the internet were invented, I was amazed at all the bargains being advertised and since covid have been more used to ordering stuff online and so ploughed in to order a number of things from these adverts, never dreaming that fb would be complicit in allowing so many (if any) scam ads on their platform.
The only saving grace was the fact that my means of financing the purchases was a boi credit card and i have to say that they have been brilliant in helping me to recover my money from the "non delivery" scams so far. It seems that there is no fool like an old fool so I still have 2 more false purchases to work through but I would have no hope of doing it if I had used a transfer or debit card.
Thanks again BOI I dont know where i would have been without u the last 40 years, you go everywhere with me and have been all round the world several times at this stage and helped with purchases, from the local creamery to airplane tickets from sao paulo. Keep up the good work!

It's very sad that you cannot speak to an Irish person when you contact an Irish Bank. To have communications fully outsourced is sad to the Irish economy. I've called three times to complete a simple request; each time being told I would called back only to never hear from them again. Can we have customer service agents in Ireland who understand us?

Having workers in other countries is no problem as it saves costs. But when the cannot speak THE MOST BASIC of English, and repeat the same question over and over because they do not understand, then it reflects poorly on Myles O'Grady - so sir, pull up your socks.

Stuck in the 80s. Their app is primitive. Their business processes are worse. For example, was told three different things by three different people about opening another bank account with them. This is what a dominant position will do for innovation, zero.

Please can you offer Digital Mortgage Interest Statement, instead of Paper versions by post.

I had applied for a car loan and it was rejected by the underwriter without giving any reasons. When, I tried to contact them to find out the reason firstly, I was not able to contact the deciding authority. So, whoever answered my calls, they were all like worse than robots, just reading the dialogue paper Infront of them. I didn't get a feeling that I was speaking to a human. They are useless. They are pretending like listening to me but actually not. Because, whatever I give my reasons, they gonna repeat the same thing over and over again. Before rejecting the loan, at least they could discuss with me and get more information that might enhance my application. No courtesy...to do so.

Incompetence and incoherence are the order of the day with BoI. They froze my debit card while abroad, did not receive email or SMS. Phoned up to find out what was going on: transpired the debit card department had a seven-years out-of-date mobile number still on file, even though I was using a different one for online and in-app banking. Obviously means someone could have accessed my accounts by using another number. Other howlers include misspelling my name on my card, and then spelling it correctly on my statements?! Requested a correction and, yes you guessed it, they just sent out a new card with the same spelling mistake. And this being Ireland they respond with thin-skinned snippiness rather than contrition when you complain...

What is it with Banks. They provide software to enable us to transact with our Money and then they deliberately DUMB it down so that it is useless. I cannot search for all my "plumber" payments because they will not let me have that simpleton functionality. Because of this - I have to pour through my statements - Its MY Account. Its MY payment - Why are you wasting MY and YOUR time.

You could save yourselves more than 50% of support calls if you just made the software more functional.

Thanks bank of Ireland customer Services team,
Really appreciate your help,
All everything safety your bank.
I lost my phone everything , its very important
.i was very stressed. but, They helped me ,
Special, customer service Man his name is Brandon,
He's really smart and friendly person.
Few minutes everything sort it out helped me.
I have to say big Thank for Brandon.

I find BOI a very safe bank. Sometimes perhaps too safe. Last month I noticed a transaction for JustEat and I since was out of the country at the time so it was fraud. I rang the bank and they also flagged 3 other transactions and refunded my money. Great work and no stress. However, there are numerous times that I have had to ring the bank to allow transactions as my card is regularly blocked for day-to-day activity. Overall happy using them.

Worst bank ever. Taking the piss out of my elderly aunt. Do not trust these ppl.

I used to be with BOI but I moved to halifax and I’ve never been happier. A few years ago over £300 vanished from my account, I had bills due and spent hours on the phone only to be told I spent it and another said it was never there in the first place, each person with an attitude and calling me a liar. A few hours later I read in the paper of a glitch affecting most BOI customers with money vanishing. I called them again and was hung up on as soon as I mentioned the news story. The next day the money is magically back in my account and I phoned them up to demand an explanation and an apology and they claimed it was never missing in the first place. How can you trust a bank that lies to your face about your own money. Halifax is amazing, money transfers done so quickly and the balance updates almost right away, I cant believe that BOI are still allowed to operate at all when I compare the two. Father of my child is with BOI and I’m waiting for a transfer from his boi account, maybe BOI will send the money by carrier pigeon.

Banking license should be revoked. In the past 2 to 3 months I have spent up to 150 hours on the phone to back office India and Dublin. Routine legitimate transactions are being blocked for 'security reasons'. Even their own software people describe their Web site as rubbish as from the stone age. My trips aboard which are very frequent are now unworkable with BOI cards.

Fix upon fix of old software but not modernisation. Yes India, when I find myself explaining that Ireland is a country in Europe, you realise there is no management of any effective worth. I believe the state should revoke its Bank license as the use of the country name Ireland by the bank is causing reputational damage to the Irish people.