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Important information -

Upcoming changes to your Terms and Conditions 

Dear Customer,

We are making some changes that may affect how you bank with us, to ensure our products are up to date and in line with recent laws. Not all of these changes may apply to you, however we are sending you this email as at least one change will affect you. The changes include updates to Personal, Business and Global Markets Terms & Conditions (T&Cs). We are also updating our Data Privacy Notice (DPN) which applies to all customers.

 

What changes are Bank of Ireland making?

We have attached a brochure which summarises all of the changes we’re making to our T&Cs. There are 7 section headings:

  • Changes for Personal and Global Markets customers following the Consumer Rights Act 2022 - pages 4-6

     

  • Changes for Personal, Business, and Global Markets customers - pages 7-8

     

  • Changes to terms and conditions to clarify process relating to ongoing Debit and Credit card payments when a new or replacement card issues - pages 9-10

     

  • Changes to Business On Line, 365 online, Personal and Business current accounts, Personal and Business deposit accounts and Personal and Business credit cards conditions - page 11

     

  • 365 online updates - pages 12-13

     

  • Personal current account updates - page 14

     

  • Changes to the Bank of Ireland Data Privacy Notice (DPN) - pages 15-16

Please read the brochure carefully.

 

Where can I find more details about these changes?

Full updated T&Cs can be viewed on bankofireland.com by typing “T&Cs” on our website.

 

What happens if I don’t want to accept these T&Cs changes in the attached brochure?

We understand that you may not want to accept these changes. If this is the case, you may choose to close your account or end your service. There is no charge for doing this, as long as you have cleared any outstanding balances, fees or Government Stamp Duty due. If you do not notify us before 08 February 2024 when the changes come into effect, we’ll take this to mean that you have accepted the changes on their effective date.

 

How do changes in interest rates affect me?

We are also taking this opportunity to remind you that following a number of interest rate changes announced by the European Central Bank in recent months, deposit and savings options have changed. You may wish to consider interest-bearing account options available to you (for example regular saver, term or notice deposit options), to maximise interest earned on your deposit or savings balance. You can find out about deposit and savings options, by searching bankofireland.com or ccpc.ie, or by seeking independent advice about your options.

 

How are Bank of Ireland trying to help me with the cost of living?

We know that the rising cost of living is impacting many of our customers. If you would like to find out more about how we can help, just search boi.com/costofliving where you’ll find useful information and contact numbers to call if you want to talk to someone about your own situation.

 

What if I need some extra help?

If you’ve any questions or need more information about what we’re saying or asking you to do, please let us know. For example, you may need this information in a different language or format (e.g. audio, braille, large text, Easy to Read), you may have been impacted by a recent life event or you may have an accessibility impairment. Our staff have lots of experience serving customers with various needs and we’d be delighted to help you.

 

Visit boi.com/extrahelp to explore everything we can do to provide extra help to customers, families and carers.

 

Who can I contact if I have questions?

If you’ve any questions about this communication, please visit our website for more information. If you need further help, please call us on 0818 365 365 or 01 404 4000, 9am to 5pm, Monday to Friday (excluding bank holidays), 10am to 2pm, Saturday. Use +353 1 404 4000 if you’re calling from abroad.

Protect yourself against fraud

Fraudsters can insert a fake text into a thread of genuine Bank of Ireland text messages, so always be careful. If something doesn’t seem right, don’t click and don’t reply. If someone phones you asking for your banking details, hang up.

 

To be sure that a BOI text is genuine you can use our free ‘TextChecker’ service. If you receive a text that claims to be from us but you’re not sure if it’s genuine, here’s how to check it:

 

  1. Copy the text you wish to verify
  2. Open a new message
  3. Add the word CHECK and paste the text in after it in the same message
  4. Send for free to 50365

 

Remember Bank of Ireland will never text or email you with a link asking for your one-time-passcode, your full 365 PIN or your full online banking login details.

 

For more information, please visit the ‘Security and Fraud’ section

on our website.

Thank you for banking with Bank of Ireland.

 

Yours sincerely,

Henry Dummer

Director of Everyday Banking | Bank of Ireland 

View Online  |  Privacy

This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error, please notify us immediately at contactus@‌boi‌.‌com‌ and delete this email from your system. Thank you. This footnote confirms that this email message has been swept for the presence of known computer viruses. The Governor and Company of the Bank of Ireland is incorporated in Ireland with Limited Liability. Bank of Ireland is a member of the Bank of Ireland Group. Registered Number - C-1. Registered Office - Head Office, 40 Mespil Road, Dublin 4, Ireland.

 

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