Business Borrowing Hub

Call our Customer Registration team on 0818 200 403 / 01 2500403 (9am – 5pm, Monday to Friday, excluding bank holidays). We will guide you through your registration journey and have you up and running in no time.

When contacting the team, you will need the following:

• Business current account number – your BOI business current account number is the last 8 digits of your IBAN. Your IBAN can be found on your 365 online or Business On Line profile. It can also be found on your current account statements.
• Personal Public Service Number (PPSN) – this can be found on official documents from Government agencies such as the Department of Social Protection or Revenue Commissioners.
• Company Registration Number (CRO) – this can be found on cro.ie¹ by searching your company name.
• Two-factor authentication (2FA) app – an Authenticator provides an extra layer of security for your account. If you do not already have a 2FA app, you will need to download one to your smart device from the App Store or Google Play to use the Business Borrowing Hub once registered. Once you register, you will be using the 2FA app every time you log into your account. Don’t worry, our Customer Registration team will be on hand to guide you through this step.
• Access to your email – it is important you have access to a valid email address when calling our Customer Registration team.
• Smart device – ensure that you have a working smart device (smartphone or tablet).

The Business Borrowing Hub will support you with the application process for business loans and overdrafts from €1,000 to €120,000. You must register your details for initial access to the Business Borrowing Hub but once registered you can use it for all future business loan and overdraft applications. Thank you for joining the Business Borrowing Hub, a simplified and easier solution for your day to day borrowing.

To apply for a business loan or overdraft complete the following steps:

• Step 1

  Log in to Business Borrowing Hub using your registered username and password.

  If you’re not yet a registered user, see How to register.

• Step 2

  Click New Application and select the loan or overdraft you want to apply for.

• Step 3

  Complete and submit the application form.

Remember: Fraudsters can insert a fraudulent text into a genuine BOI message thread, we will never text you a link asking you to share your log in details such as your PIN or one-time passcodes.

• Why do I need to register for the new Business Borrowing Hub?

  The new Business Borrowing Hub is a significant upgrade from our previous platform. It is designed to offer fast decision-making and effortless loan/overdraft application process.

  While we acknowledge the extra step to register, it is a small move to ensure that you gain access to this new and improved service. Thank you for joining us on this journey towards better, simplified borrowing.

• Where can I find my Business current account details?

  Your business current account number is the last 8 digits of your IBAN. Your IBAN can be found on your 365 online or Business On Line profile. It can also be found on your current account statements.

• Why are you asking for my Personal Public Service Number (PPSN)?

  Bank of Ireland, and all lenders must collect the relevant customer identifier (e.g. PPSN, Tax ID, CRO number) to perform a Central Credit Register credit enquiry application, as required by the Credit Reporting Act 2013 (CRA)^.

  In some cases, we may require an official document to verify your PPSN.

• What documents can I use as proof of my PPSN?

  When applying for a loan, overdrafts, mortgage or credit cards we must obtain one of the following as proof of your PPSN:

  Source of document	Any one of the following
  Revenue	P21 Tax Assessment Notice of Tax Credits Letter from the Revenue Commissioners addressed to you showing your PPSN Employee Detail Summary from Revenue.ie
  Department of Employment Affairs and Social Protection	Receipt for a social welfare payment Letter from the Department of Employment Affairs and Social Protection addressed to you showing your PPSN
  HSE	Medical Card Drug Payment Scheme (DPS) card
  Current or Previous Employment	Payslip P45

  We are unable to accept:

  • Public Service Card – under law we can’t use this as proof of PPSN or identity

  Scanning or uploading

  If you are scanning or uploading documents showing your PPSN, please make sure the images are legible.

• Where can I find my Company Registration number?

  Your Company Registration Office (CRO) number can be found on cro.ie¹ by searching your company name. The search should return your CRO number, and your company registered address

  1Bank of Ireland is not for responsible for information provided on third party websites.
• What is a 2FA app?

  A two-factor authentication (2FA) app, is a security application that provides additional login verification. After entering your mobile number (the first “factor”), the 2FA app generates a one-time code (the second “factor”) to confirm your identity. This extra layer of security helps protect your account from unauthorised access. Examples of 2FA apps include Salesforce, Microsoft and Google Authenticator.

• Why do I need a 2FA app?
  A two-factor authentication (2FA) app will provide you an additional layer of security and prevents unauthorised access to your digital accounts protecting them, even if your password is compromised. The 2FA app enhances your security by confirming your identity every time you log in.
• Can I use my existing 2FA app?
  Yes. If you already have a two-factor authentication (2FA) app on your smart device like Salesforce, Microsoft or Google Authenticator, you can use it. Please note that when using Microsoft or Google Authenticator, you will need be asked to scan a QR code. To make this process easier, we would recommend having a laptop or tablet and your mobile device ready when calling to register for the first time.
• How do I download a 2FA app?

  To download a two-factor authentication (2FA) app on your smart device:

  1. Open the App Store or Google Store on your device
  2. Tap on the Search icon at the bottom of the screen
  3. In the search bar, type the name of the 2FA app you want to download. For example, ‘Salesforce Authenticator’
  4. Once you’ve entered the app’s name, tap Search on your keyboard
  5. Look for the app in the search results and tap on it
  6. You will now be on the app’s information and download page. Tap the Get button to download the app
  7. If prompted, confirm your identity using Touch ID, Face ID, or your Apple/Google ID password
  8. Once the confirmation is done, the app will start to download and install on your device

  2FA Customer Support guideViewPrint
• What are the internet browsers and operating systems supported for accessing the Business Burrowing Hub?

  To optimise performance and comply with the latest security standards, computers and internet browsers used to access the Business Borrowing Hub must meet minimum system requirements. Whichever browser you use, we recommend that you should always use the latest version of that browser.

  The services we provide to you are optimised for the following browsers and operating systems:

  Internet browsers:

  • Microsoft Internet Explorer Version 11 or higher
  • Google Chrome Version 80 or higher
  • Safari Version 12 or higher

  Operating systems:

  • Windows 7, 8, 8.1 & 10 or higher
• What document type / file size can be uploaded to the Business Borrowing Hub?

  We may require documentation to support your application. The following document types and sizes can be uploaded to the Business Borrowing Hub:

  Document types:

  • Microsoft® PowerPoint (.ppt and .pptx)
  • Microsoft® Word (.doc and .docx)
  • Microsoft® Excel (.xls and .xlsx)
  • Adobe® PDF (.pdf)
  • Portable Network Graphic (.png)
  • Plain Text File (.txt)
  • JPEG Image (.jpg)
  • Bitmap Image File (.bmp)

  Maximum file size:

  • 500MB