Changes to terms and conditions effective 25 August 2025 

Your questions answered

• What’s changing when I use my card to shop online?

  We’re making shopping online with your card more secure and reducing fraud. These changes introduce Strong Customer Authentication (SCA) for online card transactions. SCA is an extra layer of security where you authenticate your online card purchases.

  How to become more secure..
  

   

• How can we help you save?

  Everything you need to know about saving is here. Whether you are planning for a car, a holiday, a wedding or even for your first home, we can help you save.

  We’re sure one of our savings accounts will suit you. It really depends on what you’re saving for; a particular amount, to put money away regularly, or to have money for a rainy day.

  See the types of account you can open here. Check out our savings calculator to get a clear idea of how much you need to be saving each month to meet your target. 

• What's changing about my log in to online banking?

  Everything you need to know about PAC.

• What is the change to Personal Current Account Fees?

  Previously, we have waived maintenance and transaction fees for customers who kept a minimum daily balance of €2,500 in their account throughout the fee quarter. However, from 28 November 2020, regardless of the minimum daily balance maintained throughout the fee quarter, we are going to apply these fees which will be charged quarterly from 29 March 2021.

  Contactless transactions remain free of charge for all customers.

  Ways to minimise transaction fees.

  More information on account fee changes.