Bank of Ireland Avis 

Porting a mortgage product - absolutely shocking. Archaic paper based and fax system. Paperwork sent to solicitors incomplete to which we were told 'this has never happened before'. Interesting that a circumstances that has never happened before forms one of their 'frequently asked questions'. Customer service when you can get hold of someone is good, but getting hold of someone is terrible. 4 people involved (2 solicitors, 1 mortgage broker and us) in trying to obtain information. We've spent approximately 1.5 days on issues so far. Meant to be moving in 2 days and BoI are once again holding this up. I suspect that the people may be brilliant, but are seriously let down by the systems. Made an already stressful experience far worse than it had to be. Would not recommend unless you enjoy feeling very stressed.

Worst bank ever, especially for mortgage. They were very quick in the beginning of the process, trying to get new customers, now our application is ridiculously delayed. It's been a month since we submitted the last documentation and we have to keep calling to know what's going on. We call, they ask to wait 48h, nothing happens, we call again, they find an issue dated prior to the first call that was never informed to us via call or the website, then, it was actually a mistake from their bot that couldn't read the information on the doc, was no one took 1 minute to check the document!!! Ok, we submitted again, the bot accepted this time (same doc btw), have to wait another 48h, nothing happens, we have to call again..... Anyway, our application is obviously forgotten, there's no one checking and passing on, now it's been 2 weeks iddle. NOTHING!!

Even though we are at the end of the process, we are starting a new application with a different mortgage provider. I believe it will be quicker!

Also, I'm not longer transferring my funds from AIB ACC to BOI, no way! And I'm telling all my friends and family to move their acc when their student one expires. They are all going to do that as the fees are actually cheaper.

Just called into BOI KILKENNY ..met by a most pleasant staff member who sorted out my banking issues...had tried without success with their on line chat..
Great to have a real human on duty.
Thank you.

This place is a total disaster. Can’t even give correct information and slow .. unhelpful.. rude .. you go it alone . Be warned stay away from these . Should be investigated.

Terrible bank. Very slow, very unorganised. Avoid at all costs. Especially for a mortgage

We were first time buyers going for a mortgage with Bank Of Ireland. My partner was with Bank of Ireland for 10 years so we trusted them with our mortgage. Overall the process was slow. Constantly losing documents. It was very hard to get through to someone on the phone. The offer they gave us in the end was so embarrassing and insulting. Myself and my partner both work jobs with good salary’s and I recently got a promotion which gave us high hopes that the mortgage will work out in our favour. However the offer was laughable at the end. They’re wasen’t even houses out there for the price they offered us. When we questioned it we got a silly excuse. My partner has now left bank of Ireland and transferred elsewhere. Avoid at all costs!!!

Customer service is terrible. Every time I call its a minimum hour long wait until you get to speak to somebody. Very annoying I must say. More staff required. I would not recommend entirely for this reason. I will be leaving them at the soonest chance.

I'm in the process of an equity release mortgage. Its taking forever. They kept misplacing and losing documents. Timelines are triple what they told me they'd be. I've had a mortgage with them for 14 years and I'm really regretting staying with them. They have zero consideration for dates they communicated and that on the back of that my builder having started. Thankfully I have good savings. AVOID

Avoid. Had a mortgage with Bank Of Ireland UK for 15 years. In the past no problems. But now, you just cannot get through to anyone. No Answer ever. I don't know if they even have a customer services or anything. Also only open 9am to 5pm monday to friday, but irelevant anyway - since no answer. The recorded music on the phone line is faulty. The on-line registration doesn't work, but you can't get through to resolve. The letter they sent me had a QR code which my phone doesn't recognise as a QR code. The web address they give on the letter doesn't exist.

Astonishingly incompetent. My account was transferred from another institution which was leaving the market. The transfer was handled very poorly and I was obliged to set up their badly-designed app on my phone. None of the codes etc worked for some time. Eventually got it going and started using the card. A month passes with no bill, so I contact them to request one, they promise to issue it. Nothing. Another month passes, no bill, rang them again. They say they will issue two bills. Nothing. Today my card was locked for non-payment. Rang them again and attempted to pay the card bill with debit card. Somehow, they managed to have that register as a fraudulent transaction with the debit card company, who promptly locked my debit card. Now neither the debit nor credit card works, I cannot buy anything, and they say it will take up to four working days to resolve. Rang customer service, got Indian call centre who transferred me to the "team". No answer after 50 minutes, so hung up. Never had any trouble with the old card provider over the course of ten years, endless trouble with this lot in only two months.

Online banking is appalling! So difficult to track past payments... light years behind Ulster and AIB

Tried to apply for a mortgage and it’s been nothing but a horrendous, stressful nightmare! Very unhelpful, poor communication, had ridiculous demands. The house had some issues but nothing that couldn’t be easily fixed. They deemed it uninhabitable, yet home report stated it was mortgageable. We’ve wasted 6 weeks and have now gone with another lender.

I have reset my 365 pin 20 times lately. This company is hopeless, I'm giving up. Indian call centre makes it even worse as I simply don't understand them lads, at all. I was with BOI for 18 years and it's time to change!

Wages were in account yesterday, not there today due to glitch? Bank Holiday weekend no cash and was informed that won't be resolved until Monday, but have resolved the problem after only a few hours

Terrible bank
they under evaluate your house so they can charge you more interest.

I have been lured by the Mortgage advise bureau to use this bank for my mortgage 19 months ago and I was being overcharged but regardless and since we were new to mortgage we went with them
this year we wanted to remortgage so the natural thing is to contact the existing bank despite being offered a better deal with few different lenders

The advisor from BOI asked me to wait a little bit as they want to retain customer and they are confident to give me a better deal

I waited about three weeks just for me to see their rubbish offer where they under evaluate my property by almost £15000 so they can charge me premium without even sending a surveyor
when I called them I complained especially that I spent £30000 on full refurbishment and a further £13000 planned to refit a new roof as I wanted a different model and velux windows
I had a surveyor who came to my house 2 weeks ago and estimated my house at 15000 more than bank of Ireland and I also had two estate agents who were offering a ,much better value so when I asked BOI why they under valuated my house they said they use their own calculation which is obviously wrong and when I asked for a review they said that they will send a surveyor but I need to pay for him and plus sign with them before sending the surveyor

This is the worse bank that someone can work with as I could have missed on a very good deal with another lender and I genuinely advise not using them or the brooker who works on their behalf Mortgage bureau advise

TERRIBLE BANK! I recently wanted to save for a mortgage so i opened a mortgage saver account online. I then received a letter stating i had set up a direct debit of 1500 euro per month which i didnt intend to do i only wanted the account to transfer funds myself. i sent a direct debit cancel form and three weeks later 1500 was taken from my account. i called they said i had to go into back with ID. went to the branch they were useless they told me i have to wait for it to bounce back before i can close account. whether you ring, cancel, go into branch, they will do nothing to help you! i will stick with my credit union!!!!

Bad online banking
1) find option doent's work.
You cannot put find by reference name, amount, paid out, etc. even date range you cannot put
Option finds not useful and not help full.
2) If I want to see who paid open and see more details, it is not possible. Not show at all any details.
3) I want to print out each month's statement myself, I don't want ordering, just I will print out myself. It is not possible.
Today I was in online banking, I cannot transfer to excel file all my transactions
And statement should be by period and on PDF and on an excel file.
If Iam self employed, I cannot work with that online bank usesefull and helpless system.
It is 21 centuries but look like you are still live in 20 centuries.
I do not recommend use this bank

FORCED transfer of deposit accounts from KBC which was all meant to be completed by the 20th and I am told it will be at least another 5 working days from today 22nd to be able to access my funds online. " you can always go to your branch !!! " what a ridiculous response , the BOI dont want you in the branch and KBC operated perfectly well with only a few hubs. Typical Arrogance from this organisaiton, I moved from BOI to KBC for this exact reason. funny how they managed to move all credit cards an balances on the same days yet deposits which make them no money , take days and days and the customer is advised to be inconvenienced

Applied for a mortgage with BOI. Heard nothing from them for 3 weeks. My broker chased regularly and was told that a desktop valuation had been carried out and was with the underwriters. There was always an excuse for why it was taking so long. No correspondence, absolutely nothing from them. They claimed it was due to a backlog of work. Eventually got a response- REFUSED my BTL mortgage on the basis that the property was uninhabitable- they decided this from a desktop valuation! Have absolutely no idea why they have decided that- property has a functioning kitchen, bathroom, central heating, secure. Could do with a lick of paint granted, but if that makes it uninhabitable thats a new one to me! Caused me a 4 week delay in total and almost cost me the purchase. Cowboys. Wasted my time and ive absolutely no idea why! Save yourself aggro and go with a company that is honest with you

Very poor bank. It's been over two months I've been trying to open a bank account with them now because KBC is leaving. Different members of staff keep sending emails asking same questions and documentation I already provided other members of staff. Yet, nothing. Been following up on the account opening but nothing. Their customer service line also very poor. Doesn't even go through most times. Shouldn't be rated as the second best bank in Ireland at all. They're wayyy below that!! It's just so unfortunate that KBC is leaving cause I definitely got better service from them.