COVID-19 Business Loan Payment Break Options

We at Bank of Ireland are here to help you and we are working hard to support you during this unprecedented and challenging time.

Do you have a Business Relationship Manager

COVID-19 Business Loan Payment Break Options if you are a Business Relationship Managed customer

If you do not have a Business Relationship Manager please click here for more information.

We at Bank of Ireland are here to help you and we are working hard to support you during this unprecedented and challenging time.

If you have a Business Relationship Manager here you can:

  1. View information on how to apply for a COVID-19 payment break if you meet our eligibility criteria and if the impacts on your business are temporary in nature. The closing date for applying for your first COVID-19 payment break is 30th September 2020.
  2. Choose the option you would like to have applied to your business loan if you are coming to the end of your first COVID-19 payment break.
  3. Choose the option you would like to have applied to your business loan if you are coming to the end of your second COVID-19 payment break.

If you have a dedicated Business Relationship Manager, please contact them directly and they will talk to you about the options available to you if you are applying for your first payment break or are coming to the end of your first or second payment break.

Please note the term credit facilities and business loans are used interchangeably.


  • WHAT A COVID-19 PAYMENT BREAK MEANS FOR YOU

    1. A payment break means that you are not required to make any repayments to the business loan during the payment break period.
    2. There are no additional charges if you wish to apply for an extension to your payment break apart from the additional interest that continues to apply during the term of the payment break. If you do not choose any of the options detailed below, your normal payment to your Loan will recommence upon expiry of the payment break as detailed in Option 1.
    3. If the current interest rate that applies to your business loan is a fixed interest rate or a variable interest rate, the application of a payment break means that the interest payable on the business loan will increase and the amount owing on the business loan will increase.
    4. A payment break will mean that for the duration of the payment break, the “Date of Next Payment” on your Central Credit Register (CCR) profile will be recorded as the date that your monthly payment ordinarily falls due on your Credit Facilities although no payments are required during the payment break. However, a payment break will not be marked as a missed payment and will not be reported to the CCR as “Payments Past Due”.


For more information in relation to what a payment break means for you and for illustrative examples that show what this could mean for the total cost of credit on your loan, please visit our FAQs. It is important that you read all of the information in our FAQs before applying for a payment break and before choosing what option you would like to have applied to your account at the end of your first payment break or at the end of your additional payment break as the options available are different.


  • OTHER IMPORTANT INFORMATION FOR YOU TO CONSIDER IF TAKING A PAYMENT BREAK:

      1. During a payment break we would encourage you to make full or partial repayments to your business loan if you can afford to do so. It will mean that you will not pay as much interest as you would if you did not make any payments at all during the payment break period. To make a full or partial repayment to your loan during the payment break period, please contact your Business Relationship Manager. If you don’t have a dedicated Business Relationship Manager contact 1890 882 961 or 353 (0) 1 4883035 (lines open 9am-5pm Monday to Friday, excluding bank holidays).
      2. Towards the end of your payment break we will contact you in advance of the expiry of your payment break to advise you what happens at the end of your payment break.
      3. If you have concerns that the impact on your finances from COVID-19 could last longer than 3 months or that you may not be able to meet the repayments on your loan after your payment break(s) ends a payment break may not be suitable for you, however you can contact your Business Relationship Manager and they will explore other more suitable options with you.


HOW TO APPLY

If you have an assigned Business Relationship Manager, please contact them directly and they will talk to you about the options available to you.


  • I am a Business Relationship Managed customer and I wish to apply for a Covid-19 payment break for the first time.

    If you have an assigned Business Relationship Manager and you are applying for a payment break for the first time please contact your Business Relationship Manager directly and they will be able to assist you with applying for a payment break.

    If you are experiencing a temporary reduction in your income and as a precaution you would like a payment break you can apply for a first time 3 month payment break with Bank of Ireland up to 30th September 2020 if you meet the eligibility criteria set out below.

    Once the application is completed you will then receive an emailed letter which will be in the form of a DocuSign email, and we ask you to confirm your acceptance of the terms of this emailed letter by providing your electronic signature to acceptance page as requested. When your payment break is coming to an end we will contact you again to further outline the options that will be available to you. If you decide to do nothing your loan repayments will resume at the end of the payment break on the date that your repayments ordinarily fall due.

    Eligibility Criteria
    – This is a precautionary request or reflects a temporary reduction in your income which has occurred as a result of the current health crisis and you are not in financial difficulty and/or were not concerned about your ability to meet future repayments.
    – you are not in a forbearance arrangement with the Bank or, if you are , you have met all terms and conditions for a minimum of 12 months.
    – Prior to 1st March 2020 you were not in arrears, and are not currently in arrears for 2 months or more on any business loan account or any other BOI business or personal loans.
    – Your loan was approved or drawn down prior to the 17th March 2020.


  • I am a Business Relationship Managed Customer and am coming to the end of my first payment break

    If you have an assigned Business Relationship Manager and you are coming to the end of your first payment break there is some important information that you should be aware of before you decide which option suits your needs, more information on the options available to you as you come towards the end of your first payment break are available in our FAQs and below. When you have reviewed the options available please contact your Business Relationship Manager directly and they will assist you with applying for the option that best suits your needs.

    Option 1: If you do not need another payment break and you want to return to full capital and interest payments.

    Under this option, to pay off the Credit Facilities, you will have to make payments for three months longer than the original term and you will need to make an extra payment to clear the extra interest that built up during the payment break. By paying your loan off over an extended term, you will pay more in interest than if you choose to repay your loan within the original term.

    Option 2: You are still experiencing a temporary reduction in your income and you want to apply for a further three month COVID-19 payment break.

    Important: If you have concerns that the impact on your finances from COVID-19 could last longer than 3 months or that you may not be able to meet the payments on your loan after your payment break ends a payment break may not be suitable for you, however, other options that are more suitable for you may be available under option 4, please contact your Business Relationship Manager directly for more information.

    What a payment break means for you

    By availing of this option for an additional payment break you are not required to make any payments to the Credit Facilities during the additional payment break but you can do so if you wish at no additional charge. This will reduce the total amount of interest you pay over the term of the Credit Facilities.

    If the current interest rate that applies to your Credit Facilities is a fixed interest rate or a variable interest rate, the application of a payment break means that the term of the Credit Facilities will be extended, the interest payable on the Credit Facilities will increase and the amount owing on the Credit Facilities will increase.

    Option 3: You do not need another payment break and you want us to amend the term of your credit facilities to clear the balance within the original term.

    By keeping the original term of the Credit Facilities, the payments to your Credit Facilities will be higher than you would have made prior to you availing of the payment break. However, paying your Credit Facilities as soon as you can will reduce the amount of interest you pay over the term of your Credit Facilities, while options such as extending your payment break or extending the term beyond the original term of your Credit Facilities will cost you more in interest.

    Option 4: You are concerned that you may experience longer-term financial pressure and you would like to explore additional supports to help you to pay your Credit Facilities.

    You can speak to us about additional supports, please contact your dedicated Business Relationship Manager directly.

    Important: If you feel as though you will have difficulty in meeting your loan repayments, this option may be most suitable for you.


  • I am a Business Relationship Managed Customer and am coming to the end of my second payment break.

    If you are coming to the end of your additional payment break and you have a Business Relationship Manager there is some important information that you should be aware of before you decide which option suits your needs, more information on the options available to you as you come towards the end of your additional payment break are available in our FAQs and below. When you have reviewed the options available please contact your Business Relationship Manager directly and they will assist you with applying for the option that best suits your needs.

    Option 1: Return to your previous level of capital and interest payments.

    If you are satisfied that you will be able to return to making full capital and interest payments in order to pay your Credit Facilities and in line with what you would have been paying prior to taking your initial COVID-19 payment break, we encourage you to do that.

    However, it is important to be aware that you will pay more in interest under Option 1 than you would under Option 2.

    What does Option 1 mean for me?

    As payments were not required during your initial and additional payment breaks it means that you will pay more interest over the extended term of your Credit Facilities than you would have if you had not taken any payment break and you will pay more under this option than if you choose to repay the Credit Facilities within the original term (Option 2 below).

    Under Option 1, to pay off the Credit Facilities, you will now have to make payments for up to six months longer than the original term along with an extra payment to clear the interest that built up during the initial and additional payment breaks.

    Option 2: Increase your previous level of capital and interest payments so your credit facilities are repaid within the original term:

    If you would like to clear your Credit Facilities within the original term instead of extending the term of the Credit Facilities, this option may be more suitable for you.

    What does Option 2 mean for me?

    By choosing this option, it means that your payments will recommence at an increased level upon expiry of your additional payment break, and it will result in a lower cost of credit than if you choose to extend the term of your credit facilities (i.e. Option 2 will result in a lower cost of credit to you than Option 1).

    Important: However, by keeping the original term of the Credit Facilities, the payments to your Credit Facilities will be higher than you would have made prior to you availing of the initial and additional payment breaks. The reason for this is that interest that was applied over the period of the initial payment break and the additional payment break will have to be repaid within the original term of the Credit Facilities.

    Option 3: Further financial support is required: You are concerned that you may experience longer-term financial pressure and you would like to explore additional supports to help you to pay your Credit Facilities.

    What does Option 3 mean for me?

    Option 3 may be most suitable for you if you are concerned that the impact on your finances of COVID-19 could be longer-lasting or that you may not be able to meet full capital and interest payments on your Credit Facilities after your additional payment break ends.

    Please Note: We have a number of solutions that may be suitable for your circumstances. A review of your circumstances and additional information will be required from you. It is important to get in touch with your Business Relationship Manager as soon as possible so that the review can be completed prior to the expiry of your additional payment break if you are availing of this option.

    Please note if you experience longer term financial difficulty and you avail of additional measures with us to help you manage your Credit Facilities payment, we will treat this assistance as forbearance (i.e. a special arrangement) and it will be recorded under your credit records as such with the Central Credit Register and the Irish Credit Bureau.

    Important: When you have chosen the option that best suits your circumstances you can confirm your choice by contacting your Business Relationship Manager by emailing them on the email address provided at the bottom of the Options Letter that was sent to you.


NOTE: If you feel you need further assistance or that you may not fully meet these criteria please contact your dedicated Business Relationship Manager directly.

Qualifying criteria and terms and conditions apply.

FAQs

Bank of Ireland is regulated by the Central Bank of Ireland.

COVID-19 Business Loan Payment Break Options if you do not have a dedicated Business Relationship Manager.

If you have a Business Relation Manager please click here for more information.

We at Bank of Ireland are here to help you and we are working hard to support you during this unprecedented and challenging time.

If you don’t have a Business Relationship Manager here you can:

  1. Apply for a COVID-19 payment break if you meet our eligibility criteria and if the impacts on your business are temporary in nature. The closing date for applying for your first COVID-19 payment break is 30th September 2020.
  2. Choose the option you would like to have applied to your business loan if you are coming to the end of your first COVID-19 payment break.
  3. Choose the option you would like to have applied to your business loan if you are coming to the end of your second COVID-19 payment break.

If you do not have a Business Relationship Manager assigned to you and wish to apply for your first payment break or are coming to the end of your first or second payment break, please follow the instructions provided at the bottom of this page.

Please note the term credit facilities and business loans are used interchangeably.


  • WHAT A COVID-19 PAYMENT BREAK MEANS FOR YOU

    1. A payment break means that you are not required to make any repayments to the business loan during the payment break period.
    2. There are no additional charges if you wish to apply for an extension to your payment break apart from the additional interest that continues to apply during the term of the payment break. If you do not choose any of the options detailed below, your normal payment to your Loan will recommence upon expiry of the payment break as detailed in Option 1.
    3. If the current interest rate that applies to your business loan is a fixed interest rate or a variable interest rate, the application of a payment break means that the interest payable on the business loan will increase and the amount owing on the business loan will increase.
    4. A payment break will mean that for the duration of the payment break, the “Date of Next Payment” on your Central Credit Register (CCR) profile will be recorded as the date that your monthly payment ordinarily falls due on your Credit Facilities although no payments are required during the payment break. However, a payment break will not be marked as a missed payment and will not be reported to the CCR as “Payments Past Due”.


For more information in relation to what a payment break means for you and for illustrative examples that show what this could mean for the total cost of credit on your loan, please visit our FAQs. It is important that you read all of the information in our FAQs before applying for a payment break and before choosing what option you would like to have applied to your account at the end of your first payment break or at the end of your second payment break as the options available are different.


  • OTHER IMPORTANT INFORMATION FOR YOU TO CONSIDER IF TAKING A PAYMENT BREAK:

      1. During a payment break we would encourage you to make full or partial repayments to your business loan if you can afford to do so. It will mean that you will not pay as much interest as you would if you did not make any payments at all during the payment break period. If you don’t have a dedicated Business Relationship Manager and want to make a full or partial repayment to your loan during the payment break period contact us on 1890 882 961 or 353 (0) 1 4883035 (lines open 9am-5pm Monday to Friday, excluding bank holidays).
      2. Towards the end of your payment break we will contact you in advance of the expiry of your payment break to advise you what happens at the end of your payment break.
      3. If you have concerns that the impact on your finances from COVID-19 could last longer than 3 months or that you may not be able to meet the repayments on your loan after your payment break(s) ends a payment break may not be suitable for you, however you can use the Apply Now button below to advise us of this and we will explore other more suitable options with you.


HOW TO APPLY

If you do not have a Business Relationship Manager assigned to you and wish to apply for your first or second payment break or are coming to the end of your second payment break, please follow the instructions below:


  • I wish to apply for a COVID-19 payment break for the first time

    If you do not have a dedicated Business Relationship Manager and you are applying for a payment break for the first time complete the online form ‘COVID-19 Credit Facilities options form’ and choose ‘I wish to apply for a payment break for the first time’.

    If you are experiencing a temporary reduction in your income and as a precaution you would like a payment break you can apply for a first time 3 month payment break with Bank of Ireland up to 30th September 2020 if you meet the eligibility criteria set out below.

    Once the application is completed you will then receive an emailed letter which will be in the form of a DocuSign email, and we ask you to confirm your acceptance of the terms of this emailed letter by providing your electronic signature to acceptance page as requested. When your payment break is coming to an end we will contact you again to further outline the options that will be available to you. If you decide to do nothing your loan repayments will resume at the end of the payment break on the date that your repayments ordinarily fall due.

    Eligibility Criteria
    – This is a precautionary request or reflects a temporary reduction in your income which has occurred as a result of the current health crisis and you are not in financial difficulty and/or were not concerned about your ability to meet future repayments.
    – you are not in a forbearance arrangement with the Bank or, if you are , you have met all terms and conditions for a minimum of 12 months.
    – Prior to 1st March 2020 you were not in arrears, and are not currently in arrears for 2 months or more on any business loan account or any other BOI business or personal loans.
    – Your loan was approved or drawn down prior to the 17th March 2020.


  • I am coming to the end of my first payment break

    If you do not have a dedicated Business Relationship Manager and you are coming to the end of your first payment break complete the online form ‘COVID-19 Credit Facilities options form’ and choose ‘I am coming to the end of my first payment break-option’ then choose from the options listed below.

    There is some important information that you should be aware of before you decide which option suits your needs, more information on what taking a further payment break will mean for you is available in our FAQs or below.

    Option 1: If you do not need another payment break and you want to return to full capital and interest payments.

    You can do this by completing the online form ‘COVID-19 Credit Facilities options form’ and choosing ‘I am coming to the end of my first payment break’ and choose option 1.

    If you do not take any action, this is the option that will automatically be applied to your account. If you make payments to your Credit Facilities from a Bank of Ireland paying account the Standing Order will automatically start again after the payment break. If you are paying your Credit Facilities from a different Bank and you cancelled your Standing Order contact us on 1890 882 961 or 353 (0) 1 4883035 (lines open 9am – 5pm Monday to Friday excluding Bank Holidays) and we will assist you in ensuring that the correct steps are taken to ensure that your Standing Order has been set up again.

    Under this option, to pay off the Credit Facilities, you will have to make payments for three months longer than the original term and you will need to make an extra payment to clear the extra interest that built up during the payment break. By paying your loan off over an extended term, you will pay more in interest than if you choose to repay your loan within the original term.

    Option 2: You are still experiencing a temporary reduction in your income and you want to apply for a further three month COVID-19 payment break. You can do this by completing the online form ‘COVID-19 Credit facilities options form’ and choosing ‘I am coming to the end of my first payment break’ and choose option 2.

    Important: If you have concerns that the impact on your finances from COVID-19 could last longer than 3 months or that you may not be able to meet the payments on your loan after your payment break ends a payment break may not be suitable for you, however, other options that are more suitable for you may be available and you can follow the instructions below (Option 4) to get in touch with us for more information on these.

    What a payment break means for you

    By availing of this option for an additional payment break you are not required to make any payments to the Credit Facilities during the additional payment break but you can do so if you wish at no additional charge. This will reduce the total amount of interest you pay over the term of the Credit Facilities.

    If the current interest rate that applies to your Credit Facilities is a fixed interest rate or a variable interest rate, the application of a payment break means that the term of the Credit Facilities will be extended, the interest payable on the Credit Facilities will increase and the amount owing on the Credit Facilities will increase.

    Option 3: You do not need another payment break and you want us to amend the term of your credit facilities to clear the balance within the original term. You can do this by completing the online form ‘COVID-19 Credit Facilities options form’ and choosing ‘I am coming to the end of my first payment break’ and choose option 3.

    By keeping the original term of the Credit Facilities, the payments to your Credit Facilities will be higher than you would have made prior to you availing of the payment break. However, paying your Credit Facilities as soon as you can will reduce the amount of interest you pay over the term of your Credit Facilities, while options such as extending your payment break or extending the term beyond the original term of your Credit Facilities will cost you more in interest.

    Option 4: You are concerned that you may experience longer-term financial pressure and you would like to explore additional supports to help you to pay your Credit Facilities. You can speak to us about additional supports by completing the online form ‘COVID-19 Credit Facilities options form’ and choosing ‘I am coming to the end of my first payment break’ and choose option 4.

    Important: If you feel as though you will have difficulty in meeting your loan repayments, this option may be most suitable for you.


  • I am coming to the end of my second payment break

    If you are coming to the end of your second payment break and you do not have a Business Relationship Manager complete the online form ‘COVID-19 Credit Facilities options form’ and choose ‘I am coming to the end of my second payment break-option’ then choose from the options listed below.

    There is some important information that you should be aware of before you decide which option suits your needs, more information on the options available to you as you come towards the end of your second payment break are available in our FAQs and below.

    Option 1: Return to your previous level of capital and interest payments.

    If you are satisfied that you will be able to return to making full capital and interest payments in order to pay your Credit Facilities and in line with what you would have been paying prior to taking your initial COVID-19 payment break, we encourage you to do that.

    However, it is important to be aware that you will pay more in interest under Option 1 than you would under Option 3.

    What does Option 1 mean for me?

    As payments were not required during your initial and additional payment breaks it means that you will pay more interest over the extended term of your Credit Facilities than you would have if you had not taken any payment break and you will pay more under this option than if you choose to repay the Credit Facilities within the original term (Option 3 below).

    Under Option 1, to pay off the Credit Facilities, you will now have to make payments for up to six months longer than the original term along with an extra payment to clear the interest that built up during the initial and additional payment breaks. For illustrative examples that show what this could mean for the total cost of credit on your Credit Facilities, please refer to the FAQs.

    If you feel this is the best option for you and you chose option 1 to return to your previous level of full capital & interest payments at the end of your payment breaks and extend the term of your loan then you don’t need to do anything – except however if you are paying your credit facilities from a different bank, you will need to contact your paying bank to ensure that a standing order is set-up to repay your Bank of Ireland credit facility.

    Option 2: 3 month payment moratorium with a 3 month term extension

    If you would like a 3 month payment moratorium which will also include extending the term of your loan by 3 months prior to returning to full capital & interest payments then this option may be more suitable for you.

    What does Option 2 mean for me?

    By choosing this option it means that you are not required to make any payments to the Credit Facilities during the moratorium period (3 months), the term of your loan will be extended by 3 months and full capital and interest payments will recommence after the 3 month moratorium in line with what you would have been paying prior to taking your Covid-19 payment breaks.

    As payments were not required during your initial and additional payment breaks or during this moratorium it means that you will pay more interest over the extended term of your Credit Facilities than you would have if you had not taken any payment break or moratorium and you will pay more under this option than if you choose to repay the Credit Facilities within the original term (Option 3 below) or if you’d chosen to repay the loan the loan under the extended term (Option 1 above). You could also pay less interest under certain short-term supports under Option 4 such as interest & part capital for up to 6 months.

    Under Option 2, to pay off the Credit Facilities, you will now have to make payments for up to nine months longer than the original term along with an extra payment to clear the interest that built up during the initial and additional payment breaks and the moratorium.

    Important: the moratorium request will be assessed for appropriateness by the Bank and applying for the moratorium option does not mean it will be granted.

    Important: Please note if you avail of the 3 month moratorium under option 2 we will provide this moratorium as an alternative arrangement under the SME Regulations* and it will be recorded with the Central Credit Register and the Irish Credit Bureau which may impact your ability to access credit in the future.

    Option 3: Increase your previous level of capital and interest payments so your credit facilities are repaid within the original term:
    If you would like to clear your Credit Facilities within the original term instead of extending the term of the Credit Facilities, this option may be more suitable for you.

    What does Option 3 mean for me?

    By choosing this option, it means that your payments will recommence at an increased level upon expiry of your additional payment break, and it will result in a lower cost of credit than if you choose to extend the term of your credit facilities (i.e. Option 3 will result in a lower cost of credit to you than Options 1 & 2).

    Important
    However, by keeping the original term of the Credit Facilities, the payments to your Credit Facilities will be higher than you would have made prior to you availing of the initial and additional payment breaks. The reason for this is that interest that was applied over the period of the initial payment break and the additional payment break will have to be repaid within the original term of the Credit Facilities. For illustrative examples that show what this could mean for the total cost of credit on your Credit Facilities, please see the FAQs.

    Option 4: Further financial support is required: You are concerned that you may experience on-going financial pressure due to financial difficulties and you would like to explore additional supports to help you to pay your Credit Facilities with either another form of short-term support or longer-term financial support.

    What does Option 4 mean for me?

    Option 4 may be most suitable for you if you are concerned that the impact on your finances of COVID-19 could be longer-lasting or that you may not be able to meet full capital and interest payments on your Credit Facilities after your additional payment break ends.

    This option may also be a suitable for you if you can afford to make a level of payment immediately but you are not in a position to return to full capital and interest payments for a short period of time.

    Important: all the supports available under this option will be assessed for appropriateness by the Bank and applying for any of these options does not mean they will be granted.

    Important: Within option 4 there are three short-term options available to you and one long term support option where you can choose to explore additional supports that may be available to you.

    The short-term options available to you are:
    4 (i) Interest only up to 6 months.
    4 (ii) Interest only plus part capital for up to 6 months.
    4 (iii) Term extension.

    The longer-term option available to you is:
    4 (iv) You are concerned that you experience longer term financial pressure and you would like to explore additional supports to help pay your credit facilities.

    What it means if you choose the option of interest only for up to 6 months: under this option you will only pay the interest portion of your monthly payments over the agreed term of the interest-only period. At the end of the interest-only period full capital and interest payments will recommence at a level sufficient to fully repay your loan within the remaining term. When full capital & interest repayments recommence they will be at a higher level than you had previously been paying due to the interest only period.

    What it means if you choose the option of interest plus part capital for up to 6 months: under this option you will pay all the interest and a set agreed element of capital on your monthly payments over the agreed term of the interest and part capital period. At the end of the interest-only and part capital period full capital and interest payments will recommence at a level sufficient to fully repay your loan within the remaining term. When full capital & interest repayments recommence they will be at a higher level than you had previously been paying due to the interest plus part capital only period.

    What it means if you choose the option of a term extension: under this option you will revert to full capital and interest payments at the end of your additional payment break and the term of your loan will be extended by the 6 month payment break period you received along with the agreed period of the term extension under this option. The capital and interest payments will recommence at a level sufficient to fully repay the loan within the remaining term (which will include the term extension period). As the term of your loan will be extended by the agreed term extension period with this option it will mean that your capital & interest payments will be at a lower amount throughout the term of your loan than if you had chosen not to extend your loan term.

    What it means if you choose the option of – You are concerned that you experience longer term financial pressure and you would like to explore additional supports to help pay our Credit Facilities: If you choose this option it means that you feel that the other options outlined here on the Bank of Ireland website are not suitable for your current financial situation and you would like to explore additional supports that may be available to you.

    Important: Please note if you avail of additional measures under option 4 we will provide the measures as alternative arrangements under the SME Regulations* and it will be recorded with the Central Credit Register and the Irish Credit Bureau which may impact your ability to access credit in the future.

    * Central Bank (Supervision and Enforcement) Act 2013 (Section 48) (Lending to Small and Medium-Sized Enterprises) Regulations 2015 (as amended).


NOTE: If you feel you need further assistance or that you may not fully meet these criteria, you can call us on 1890 882 961 or 353 (0) 1 4883035 if you are calling from outside the Republic of Ireland.

Qualifying criteria and terms and conditions apply.

Apply Now FAQs

Bank of Ireland is regulated by the Central Bank of Ireland.