Training Example: Bank of Ireland – Review the Data, Give Your Score & Compare to the Real AI Evaluation

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[IMG: A young boy holding an ice cream in his hand, with a Bank of Ireland card in his pocket.]
[H1] Build their financial confidence
With parental controls in our Smart Start Account.Learn more about Smart Start
[IMG: Text illustration reading]
[H4] Our products
Current accountsMortgagesLoansSavingsCredit cardsHome, travel and life insuranceInternational paymentsPensionsInvestments
[H4] Help and support
Help centreBranch locatorSecurity ZoneExtra help for customers, families and carersUseful application formsTools and calculatorsFATCA and CRS Self-CertificationInterpay transferContact us
[H2] Scheduled Maintenance
Sunday 17 May, 2am to 7amWe are carrying out essential maintenance on Sunday 17 May between 2am and 7am. Learn More
[IMG: Infographic of the steps to use Zippay. 1. Select a contact. 2. Enter an amount. 3. Tap to send.]
[H2] Say hello to Zippay
Need to pay someone back for a concert ticket? Splitting dinner with a group? Sending a birthday gift? Zippay makes it simple.Just choose a contact from your phone or enter their mobile number. Add the amount. Tap to send. That’s it.No IBANs. No account numbers. No hassle.The money comes straight from your current account. No need to top up a wallet, download another app, or worry about extra fees. Zippay is available in the 365 mobile app, alongside AIB and PTSB. More banks may join soon.Learn more about Zippay
[H2] Catch up on the latest
The confidence to spot scamsWith 24/7 fraud support that helps you stay one step ahead.Manage your money with confidenceGet personalised spending insights in our app.
[IMG: A hand holding a smartphone displaying Bank of Ireland 365.]
Your new passcodeWhy we’re asking you to create a new 6-digit passcode to replace your 365 PIN.
[IMG: 2026 bonkers.ie awards winner for best mortgage provider for first-time buyers.]
Back to back winsOur first-time buyer mortgage has won the Bonkers.ie ‘Best mortgage for first-time buyers’ award three years in a row.Consumer Protection Code 2025An update to consumer protection in financial services in Ireland.Strategy 2026 to 2028We’ve set out our new 3-year strategy and announced our full year 2025 results.
[H2] Better BER, better fixed rate
We’re committed to a greener future, which is why we offer an EcoSaver fixed interest rate mortgage based on your home’s Building Energy Rating (BER). The more energy-efficient your home is, the better the fixed interest rate on your mortgage.Learn more about mortgagesTry our mortgage calculator
[IMG: Image of a house with a blue background.]
[H2] What makes us different?
[IMG: A woman with a smartphone and a laptop.]
[H4] Your financial wellbeing is our priority
From personalised spending insights to budget planners, a borrowing comparison tool to a tax benefit finder, we’ve designed tools to help you make informed decisions about your money.Learn more about financial wellbeing
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[H4] Keeping your money and data safe
Explore our Security Zone to learn how to spot common scams, protect your accounts from fraud, and use our digital tools to stay one step ahead of hackers. Safe banking starts with staying informed.Visit the Security Zone
[H2] Looking for more than personal banking?
[IMG: An image of a woman sitting down holding a smartphone with a dog beside her.]
Premier bankingPriority phone support, exclusive rates, and enhanced, tailored financial services.
[IMG: Four people sitting around a table in a bakery.]
Business bankingFor small to medium-sized businesses.
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Corporate bankingFor large businesses or institutions

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Fraud Watch: True Crime Stories

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[H3]
Fraud Watch: True Crime Stories

Learn about real fraud cases with Professor Mary Aiken, cyberpsychology expert.
Watch Now

Watch our new fraud podcast

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[H3]
Watch our new fraud podcast

Find out how to protect yourself and your loved ones from online scams.
Learn more

Unrecognised transaction?

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[H3]
Unrecognised transaction?

Don’t recognise a transaction on your account or card? Always investigate it.
Read more

Report Fraud

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[H3]
Report Fraud

Lost or stolen card? Shared your online login details? Please get in touch.
Read more

Fraud awareness events
Top 5 Travel Tips
Protect your everyday banking
Protect your business
How we protect you
Fraud Text Alerts
TextChecker
Report Fraud

Bank of Ireland helps people stay safe from fraud. We run one of Ireland’s most comprehensive fraud awareness programmes. This is part of our commitment to protect our customers’ financial wellbeing.
Most people we asked said that Bank of Ireland is the financial institution they most associate with fraud education.* We offer free fraud-awareness events across Ireland. We’ll share more dates and locations here soon.
While you wait, why not watch our podcast? Our experts, Nicola Sadlier, Head of Fraud, and Professor Mary Aiken, Cyber Psychologist, talk about real fraud cases and scams. They explain how fraudsters target people and share simple tips to help you stay safe.
Remember to Stop, Think, Check… and together we won’t let the fraudsters win.
*Red C, Feb 24

1. Before you go
Check that your cards and passport are still in date
We automatically replace cards about 2 weeks before the end of the month that your card expires. Your card will work for the entire month shown on the expiry date. In other words, if the expiry is shown as 10/26, the card will work until 31 October 2026.
Make sure we have your up-to-date contact details before you travel
It’s important that we have the right email and mobile, to make sure your transactions abroad (particularly outside Europe) are really yours. We might disable a card, if we can’t confirm that the genuine cardholder is using it. But it’s likely that we’ll try to get in touch with you to make sure this is a genuine transaction.
Key things to remember:
Before you travel, please check your contact details are correct on the profile page of our mobile app. Simply click the profile icon on the top right of the main page and confirm your contact details are correct;
Make sure that you check your text messages and emails, when you’re abroad so you don’t miss any that we might send;
Be aware that if your mobile data is disabled or out of coverage, you will not be able to receive notifications, if we are trying to contact you;
Where possible, use chip and PIN for transactions.
Lost and stolen cards: some important numbers
We’re here to help 24/7. Keep our emergency helpline numbers somewhere safe, so you can cancel any lost or stolen Bank of Ireland cards and organise replacements. We recommend writing our contact numbers down somewhere handy, along with other important numbers (for example, travel insurance, airline helpdesk), as well as keeping them on your phone or device.
+353 56 775 7007 (outside the Republic of Ireland)
1800 946 764 (within the Republic of Ireland)
Keep your cards separate
If you have both credit and debit cards with you when you travel, we recommend that you keep them separate so that if you lose one, you still have your other card.
Emergency cash
Visa can arrange for cash to be available at a location near you if you need money when you’re waiting for a replacement card, having card acceptance difficulties or simply need cash in hand. We’re available to help you 24/7.
Contact us: +353 56 775 7007 (outside the Republic of Ireland).
Remember: you can temporarily freeze your card when you’re abroad using the B365 app.
2. Tips when using your card/digital wallet abroad
Check your purchase receipt before you sign or enter your pin – this is to make sure it’s for the correct amount;
Keep receipts from cash machines and check them on B365 app;
Do not give your PIN to anyone, including anyone claiming to be from the police or a card company;
Always keep a close eye on your card or device (if using a digital wallet) when transactions are taking place. Where possible, use physical card, chip and PIN for payment. Do not let your cards out of your sight, to avoid the possibility of your card being skimmed (illegally collecting data from the magnetic stripe of your card). If you are having a problem with your digital wallet, please use another method such as your physical debit or credit card with Chip and Pin authorisation.
We’re available to help you 24/7.
Contact us: +353 56 775 7007 (outside the Republic of Ireland).
Remember: you can temporarily freeze your card when you’re abroad using the B365 app.
3. Holiday and accommodation scams
Fraudsters sometimes use trusted booking websites to target people looking for holiday accommodation.
[H3] Hacked or fake accommodation sites
They may hack into real hotel accounts or create fake ones that look similar. Then, they contact customers pretending to be the hotel. They might say you need to confirm your payment details or make an urgent payment.
These messages or emails can look very real. They often include correct information. Things like your booking dates, reservation number or the amount you owe.
[H3] Fake rental listings
Other frauds involve fake rental listings. You might be asked to pay rent for a property that does not exist or isn’t available. These scams happen all year, but are more common during holiday seasons.
Sometimes, fraudsters say they are out of the country and cannot meet you in person. They ask for money upfront or a deposit to hold the property. In some cases, they even rent real properties just for viewings to make the scam seem real. They may give you fake keys after taking your money.
[H3] How to keep safe
Avoid clicking on links that take you away from trusted booking websites.
If you get a message that looks genuine, but you are unsure, contact the accommodation provider directly. Use a phone number you know is real. Do not rely on contact details in the message.
Be careful when looking for rental properties online. Use well-known and trusted letting agencies wherever possible.
Talk to a trusted friend or family member, before making any payments.
And remember: if something sounds too good to be true, it probably is.
4. Using cash machines abroad
Use well-lit, properly-maintained cash machines, beside a bank if you can as these usually have security cameras and are less likely to be tampered with.
Avoid using a cash machine that is in poor condition, or appears to be altered in some way.
Be aware of Shoulder Surfing - Don’t get side-tracked by others when you’re using the machine and take care not to let anyone see your PIN. Memorise your PIN, don’t write it down.
Have your card ready when you go to cash machines, to avoid searching through your wallet or handbag to find it;
Make sure you don’t let others see your PIN, when typing it in;
Memorise your PIN and do NOT leave it in a wallet or purse along with your card;
Remember the basic steps. It’s just like using a cash machine at home:
1. Insert your card and choose your language
2. Enter your PIN and the amount you want to withdraw
3. Remove your card, collect your cash and keep your receipt
If your card is lost or stolen, or if you have problems using your card, call us immediately on +353 56 775 7007 (outside the Republic of Ireland). We’re available to help you 24/7.
If you need to get cash, be aware that many countries only allow a maximum withdrawal of €100 or £100. Our website has a list, under Cash withdrawal limits abroad
Fees and charges may apply when using cash machines abroad. Please see the terms and conditions, so you know how much cash machines may cost
Remember: you can temporarily freeze your card when you’re abroad using the B365 app.
5. If you’re being pressured to make a payment
Feeling that you’re being pressured to pay for something at a highly inflated price?
If this happens or you feel under pressure to make a payment, report the matter to the local authorities and contact us immediately on +353 56 775 7007 (outside the Republic of Ireland). We’re available to help you 24/7.
Remember: you can temporarily freeze your card when you’re abroad using the B365 app.
Stop, Think, Check… and together we won’t let the Fraudsters win.
[H2] Protect your everyday banking
We are committed to keeping your everyday banking secure so you can manage your accounts and payments with confidence.
To help you learn how you can protect yourself from fraudsters, read our guidance so that you can spot common scams and know how to avoid them.
While we may contact you to discuss the operation of your account, to send you product related messages, or for feedback on your banking experience, please remember these points:
Bank of Ireland will never:
Send you a text or email with a link directly to the login page of our online banking channels.
Send you a text or email with a direct link to your latest e-Statement.
Ask you to click a link in an email with an urgent warning about suspicious activity on your account. (We may sometimes send you an email to verify a transaction on your account but we will never ask you to provide confidential information or click a link to verify a transaction).
Ask you to share or send us your six-digit passcode, full 365 PIN or Business On Line credentials
Ask you to send us back your bank card
Ask you to transfer money out of your account to protect yourself from fraud.
Request your account information through an onscreen pop-up window.
Call you to ask you to make a payment to another account.
Ask you to tell us any one-time activation code that we have sent you by text.
Ask you to tell us your four-digit card PIN*
*When registering for our 365 mobile app on a new or existing device, you will have the option to confirm your identity using your Visa debit card details instead of your 365 PIN. We will only ever ask you input your four-digit debit card PIN on our 365 app. We will never ask you to tell us your debit card PIN over the phone, by text or email.
Bank of Ireland will ask you for:
Three random digits from your 6-digit 365 PIN – never more, never less.
Your full 365 online user ID and
Either your date of birth or the last four digits of your phone number – never both
Top tips to keep your accounts safe:
Protect your passcode. Never share your six-digit passcode for your device(s) with anyone.
Protect your PIN. Never share your online banking PIN or card PIN with anyone. Remember: Bank of Ireland will never ask you for your full six-digit 365 PIN.
Cover your PIN. Make sure you are not being overlooked or distracted when entering your PIN in a public place, such as at an ATM or supermarket checkout.
Beware of links in fake texts and emails. Don’t click on any unexpected links or attachments – they could infect your device or direct you to a fake website designed to collect your personal and account information.
Beware of fake calls claiming to be from Bank of Ireland or another trusted company. Remember: Bank of Ireland will never ask you to transfer money out of your account to protect yourself from fraud.
Check your accounts regularly for any unusual activity. If you do find anything suspicious, tell us.
Use up to date anti-virus software and always keep operating system software up to date with the latest versions on all your devices.
Keep your passwords secure. Use strong passwords that cannot be easily guessed and use a different one for each online account.
Limit what you share on social media. The more information you share, the more you put yourself at risk of identity theft and fraud.
Alerts are push notifications that we send to customers’ mobile phones or tablets. Today we send alerts for a number of different reasons. These could be general fraud warnings for example, or to let you know that an action is required through the app.
Find out more about card controls.
Freeze your cards. Doesn’t feel right, can’t locate your card - freeze your card while you check it out. Find out more about card controls.
Always check the amount shown on a card machine before you tap your card or enter your PIN. Make sure that you are being charged correctly.
[H2] Protect your business
Businesses and organisations are increasingly becoming targets of fraud and cybercrime.
We have created a helpful checklist of Bank of Ireland Business On Line’s tools available to help protect customers with the security of their online banking.
We want to help our customers protect themselves from common threats like:
ransomware,
payment redirection fraud,
email compromise,
cheque overpayment and more.
Find out more information and helpful tips for you and your staff.
[H2] How we protect you
Bank of Ireland takes your security seriously. We use strong measures to keep your money and personal information safe.
Fraud team
Our specialist team works 24 hours a day, 7 days a week, to help protect you from fraud. It’s also important for you to protect yourself from fraudsters. If you have any concerns, get in touch.
Technology
We use strong encryption, firewalls and secure browsers. We also invest in new tools and systems to help prevent fraud.
Secure login
When you log in to 365 online, we use two-factor authentication to confirm it’s really you. This means that we check your identity using something you have (for example, your registered mobile phone device) along with something you know (for example, your passcode or 365 PIN), or something you are (for example, your fingerprint or face biometrics). This extra layer of protection, when kept private, helps keep your account safe from unauthorised access.
Automatic time-outs
If you do not use your account for a short time, we log you out to keep it secure.
Protection for businesses
Our HID Approve app for Business On Line customers creates one-time passcodes for logging in and making payments. These codes expire quickly, are not stored and work only on your registered device.
Payments
Limits act as a security layer. We set daily payment limits. Lower limits also apply for a short time when you add a new payee. You need two-factor authentication to add or change a payee, or to set up a standing order, on 365 online. We’ll send a code to your registered mobile phone or by post if you prefer.
Awareness campaigns
We run regular fraud awareness campaigns to help you spot scams and learn how to avoid them.
Working with law enforcement
We work with national and international police and s

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Help Centre

Credit Cards

Report Lost/Stolen cards or smart device

[H1] Report Lost/Stolen cards or smart device
You can call us 24/7 to report a lost or stolen card or smart device:
Republic of Ireland
Freephone: 1800 946 764
Great Britain & Northern Ireland
Freephone: 0345 309 8099
Everywhere outside Republic of Ireland, Great Britain & Northern Ireland
Not Freephone: +353 56775 7007
As soon as you believe your card has been lost or stolen, please get in touch. We'll cancel your card as soon as you tell us it's missing and get a new card issued to your address (the one we have on file for you) in 5 to 7 working days.
Please let us know immediately if you discover your card is lost or stolen. Otherwise, you could be liable for any losses up to the time you report the loss to us.
Smart Device
You should report any lost or stolen smart device to Bank of Ireland when:
You use the smart device as security device for online banking - Any smartphone or tablet you have installed the Bank of Ireland App on and completed registration of that device.
You use the smart device for as a digital wallet - Any smart device on which you have added your Bank of Ireland debit or credit card using Google Pay (android devices) or Apple Pay (iOS devices).

[H3] Did this answer your question?
Your answer helps us improve our Support Centre

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Thank you for your feedback!

BIC/IBAN Number
Calculate your BIC/IBAN Number or find out where to find it on 365
Visit IBAN calculator

Security Zone
We're committed to keeping your information secure
Visit Security Zone

Branch Locator
Find out contact details, opening hours and more
Visit Branch Locator

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Help Centre

Digital Banking

Get a User ID reminder

[H1] Get a User ID reminder
If you’ve forgotten your User ID, free text the word ‘User’ to the relevant number below and we’ll reply with your user ID within seconds:
Republic of Ireland: 50365
Northern Ireland and Great Britain: 50365
Other locations: +35387 179 0971
You must have a registered mobile number to use this service with your Banking 365 Profile.
If your mobile is linked to more than one Banking 365 profile, you will get a text message for each User ID, showing the last four digits of the account number.
Please note
Business On Line customers can’t use this service right now.
Bank of Ireland do not charge for this service however your network provider may apply a charge. Phone operating systems may show a warning when using any SMS short code as standard.

[H3] Did this answer your question?
Your answer helps us improve our Support Centre

Yes

No

Thank you for your feedback!

BIC/IBAN Number
Calculate your BIC/IBAN Number or find out where to find it on 365
Visit IBAN calculator

Security Zone
We're committed to keeping your information secure
Visit Security Zone

Branch Locator
Find out contact details, opening hours and more
Visit Branch Locator

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[H1] Thinking of closing your current account?
We’re sorry to see you go – but we’d love the chance to change your mind.
Have us call you
Prefer to call? Find our contact numbers

[H2] Why stay with us?

[H3] Easy everyday banking
Our product key features include: card payments in euro; account transfers in euro up to €20,000 a day; cash withdrawals in euro at ATMs, and access to a digital wallet, such as Apple Pay and Google Pay.*
[H3] Convenient in-app banking
Manage your account(s) on the go from your smartphone or tablet.
[H3] Spending insights
Our 365 Money Insights gives you a look at what you’re spending money on each month.
[H3] Useful features
Card controls let you freeze your card if lost or stolen, and Mobile to Mobile payments makes it easy to split the bill with friends.
[H3] Protected and secure
24/7 fraud protection. Your money is safe under the Deposit Guarantee Scheme. You’re covered up to €100,000 per person.
[H3] Advisor support
Speak with our team via webchat, over the phone, or in person at any of our 160+ branches nationwide. You can also lodge cash and cheques, and withdraw cash in almost 900 An Post offices nationwide.
*Please note: A monthly fee of €6 is charged on Personal current accounts. We do not charge this fee on our Smart Start Account, Second Level current account, Third Level current account, Graduate current account, and Golden Years current account. There may be charges for things like Government Stamp Duty, and when you make international and non-euro payments. You’ll find a full list of fees we charge in the Fees section of our product pages.

[H2] Still want to close your current account?
We understand that sometimes things change.
If you’re sure you’d like to close your current account, you can continue below.
But if there’s anything we can do to help – even now – we’re here to listen.
Continue to close your account

[H2] Do you need help before closing your current account?
If you’re thinking about closing your current account, our Help Centre might have the answers you’re looking for. From managing fees to switching account types or resolving service issues.
We’re here to support you every step of the way.
Visit the Help Centre