Visa Business Debit Card

Fees

Government Stamp Duty

Government Stamp Duty (GSD) on Visa Debit and ATM cards is charged retrospectively in January/February each year for each cash withdrawal made from an ATM / LATM within the Republic of Ireland in the preceding year at a rate of €0.12 per withdrawal capped at a maximum of €2.50 per ATM (cash) card or Visa Debit (combined) card where only the ATM function is used, or €5 per Visa Debit (combined) card where both ATM and “Point of Sale” functions are used.

New card management features. More control.

Now, with these new Banking 365 card management features, you’ve got all the control you want over your business debit card – through your smartphone or desktop.

• Activate new debit cards for online transactions
• Freeze/unfreeze your card – handy if you’ve misplaced it
• Order replacement business debit cards without having to call the bank

Please note, these additional features are not available on Banking 365 for business credit cards.

FAQs

• Freeze/unfreeze card

  How can I freeze/unfreeze my card?

  Log in to the app or 365 online and tap on Cards. Select the card you want to freeze or unfreeze. Tap On to freeze or Off to unfreeze.

  If I freeze one card, will all cards associated with my profile become frozen?

  No, only the card you have chosen to freeze will become frozen.

  Can I place a temporary freeze on my cards?

  Yes, you can limit the card’s functions whenever you like. Log in to the app or 365 online and tap on Cards. Select the card you want to freeze or unfreeze. Tap On to freeze or Off to unfreeze.



• Card activation

  Will my new physical card be activated when it arrives?

  No. You’ll need to activate your new physical card.

  Do I still need to activate my physical card once I have activated my online card?

  Yes, you do. When your card arrives in the post, you can activate it by using it with your PIN at a store checkout or cash machine. If you activate the physical card first this also activates the online card automatically.

  Do I need to activate my online card once I have activated my physical card?

  No, if you activate your physical card your online card automatically activates also.

  I have activated my card, but it does not work. Why not?

  If you activate your card between the hours of 11.00pm and 4.00am, it can take up to 5 hours for your card to work.

  Why do I have to manually activate my card?

  This is an extra security measure we added to make sure that your card can’t be used fraudulently during shipping.



• New cards

  My physical card has not arrived, should I order a new one?

  If your physical card has not arrived after 5-7 working days of ordering, you should contact us and we can order a new one for you.

  Republic of Ireland customers:

  • 0818 365 365 or 01 404 4000
  • +353 1 404 4000 if calling from abroad

  9am to 5pm Monday to Friday (including bank holidays)
  Closed Saturday and Sunday

  Will my new card be frozen when it arrives?

  If you placed a freeze on your old card, then yes, your new card will arrive frozen. You must activate and unfreeze this card before it can used.

  My debit card expires soon, when will I receive my new one?

  60 days prior to expiry, you will see your existing card labelled with Nearing Expiry. 30 days prior you will have the option to activate your new renewal card using the app or desktop. By this time you should have also received your new physical card by post. If you activate it, the previous card is immediately cancelled and will stop working.

  Why doesn’t my physical card work?

  It may be that you have yet to activate it via a cash machine or by completing a card transaction using your PIN, or you have placed a freeze on your card. If neither of these is the case, please contact us.

  Republic of Ireland customers:

  • 0818 365 365 or 01 404 4000
  • +353 1 404 4000 if calling from abroad

  9am to 5pm Monday to Friday (including bank holidays)
  Closed Saturday and Sunday



• Lost or stolen

  My card is missing. How do I get a new one?

  Contact us immediately to report the card as lost or stolen and to order a new one. There are two ways to do so.

  1. Log into the app or 365 online and tap on ‘Cards’. Select the card and tap ‘Report lost or stolen’.
  2. Please call our 24-hour service immediately if your card(s) has/have been lost or stolen.

  Republic of Ireland customers:

  • 1800 946 764
  • 00353 56775 7007 if calling from abroad

  Smart devices lost or stolen

  You should report any lost or stolen smart device to Bank of Ireland when:

  • You use it as a security device for online banking – In other words, you have installed the Bank of Ireland app on the device and have added that device to your profile.
  • You use the smart device as a digital wallet and have added your Bank of Ireland debit card using Google Pay (android devices) or Apple Pay (iOS devices).

  I have ordered a replacement card for one that was lost or stolen. Will this new card have different details?

  Yes. Your new card will have a new card number, CVV and expiry date.



• Ordering replacement card

  My card is damaged, how do I order a replacement?

  You can order a replacement for a damaged card through the app or 365 online. Log in and tap on Cards. Select the card you want to replace and tap Replace damaged card.
  *Please note you can only order 1 replacement card per month.

  I have ordered a replacement card for one that is damaged. Will the long card number change on a replacement card?

  No, your 16-digit card number will stay the same. However, your CVV and expiry date will change.

  I have ordered a new replacement card, when will it appear in my app?

  The card should appear in your app immediately after you have completed the order. However you will be unable to activate your new card for 24hours.

  Why can’t I order another replacement card?

  You cannot order more than one replacement debit card within the same month. If you need to order another replacement card during this time. Please contact our call centre for details.

  Republic of Ireland customers:

  • 0818 365 365 or 01 404 4000
  • +353 1 404 4000 if calling from abroad

  9am to 5pm Monday to Friday (including bank holidays)
  Closed Saturday and Sunday



• Other

  How do I unblock my card?

  If your card is labelled with a Blocked status, please contact us.

  Republic of Ireland customers:

  • 0818 365 365 or 01 404 4000
  • +353 1 404 4000 if calling from abroad

  My card has expired. Is it okay that I can still see it on my app?

  Yes. You will see your expired debit card in the app or 365 online for 3 months after expiry. Remember 60 days prior to expiry, you will see your existing card labelled with Nearing Expiry. 30 days prior to expiry you will have the option to activate your new digital card through the Bank of Ireland app or 365 online. By this time you should have also received your new physical card by post. Once you activate your new card, the previous card is immediately cancelled and will stop working.

  I have no card on my screen what should I do?

  If you’ve just opened a new current account it can take 5-7 working days for your debit card to appear in the carousel.
  If the card still hasn’t appeared after 7 working days you should contact us for more help.

  Republic of Ireland customers:

  • 0818 365 365 or 01 404 4000
  • +353 1 404 4000 if calling from abroad

  9am to 5pm Monday to Friday (including bank holidays)
  Closed Saturday and Sunday

  I am the nominated user on the business card. Can I view card details of business cards in my app?

  Yes. You will see a limited amount of information in your app.

  What is a digital card?

  A digital card is a card that can be used for both online and in-store purchases.
  Your digital card can be used to:

  1. Pay in-store using Apple Pay or Google Pay.
  2. Make online purchases.

  If I close my account, when will my cards be deactivated?

  This will happen immediately.