Bank of Ireland Opiniones 

Probably the worst bank in UK & Ireland.
Pure theft with mortgage interests payments.
The staff think they are in some kind of power seat,
When you drill down, they really don't know that much in compliance, regulations and how they got the job...only a leprechaun would know.

Terrible bank. App terrible, whole banking infrastructure just terrible.
Can't send lump sums into your savings account unless its by direct debit or standing order.
Tried to open the said savings account and it would have been easier to move gold bars from Russia. Took at least 6 months because of a silly error in the address.
Opened up a business account a while back and they sent all my statement correspondence to my companies registered office which is my accountant as opposed to my address. So I was paying my accountant to open letters and forward to me!!
My wife has tried to send a payment recently to another BOI customer, a car dealer, and it took 3 days to reach their account! Why this isn't an instant thing with 2 hours is just beyond belief!
The only reason we are with BOI is because we were sent there by KBC withdrawing from the market. KBC were brilliant in comparison. Just a terrible bank with little to no efficiency in its operations or transparency. I'll have to strongly consider moving to a fintech once and for all.

Really disappointed with the response from this bank. I redeemed my mortgage 11 days early (by mistake) and they have charged me over £1000 which is more than I earn a month and will cause me extreme hardship. The charges they have applied are extortionate and out of proportion for the amount of the mortgage redeemed.

Waiting for a Personal Loan to be approved. There is no correspondence from them and when you call them, they are constantly offline. Their customer service is terrible. I would not recommend taking out a loan as they just couldn't be bothered!!

Had a fraud experience, I was extremly nervous, lady on the phone calm me down, and help me sort things out. Forever thankful

Further to my earlier complaint, after considerable difficuly with BOI's India call-centre, I managed to speak to someone in Dublin to explain the problem..

They suggested I use Google Chrome to access business banking 'as its more compatible with our system!'

Are they joking? Google Chrome is not secure (and that's just the start).

BOI treat their customers very badly: It's never the bank's fault. Well, the Bank Regulator didn't think so, fining BOI 24.5-million. It seems lessons are never learned as long as the customer pays.

Trying to register a company credit card for online banking and I have had to deal with an Indian Call Centre who's customer service is terrible & they are barely English speaking. I am so glad that I don't bank with them personally.

My mother in law and myself have tried to call the bank branch from the UK. We had several contact numbers but no one answered the phone. We eventually got one call center who transferred us to another. They did a great job of telling us that we would be contacted by the branch within 24 to 48 hours. Great but we are trying to close the account and transfer the funds to the UK. Then we will have the pleasure of trying contact the international transfer department. Can't wait to see how that will go.

Terrible bank to deal with...have made 51 telephone calls to them....they have not taken my mortgage out of my bank account since march.....there is a problem with their computer system but its my fault...........

Absolutely joke takes upto 4h hours to transfer money and if you send someone money 5pm on a Friday they aren't getting it to Monday morning 🤣🤣 like joke

Hopeless bank. Applied for a mortgage (via a broker) 6 months before my current deal expired, and was recommended a BOI mortgage. Rate looked very good. Provided documents and statements that they asked for, went into review. They asked for some more ID documents, provided them. They asked for some more statements, provided them. Endless cycle, and 6 months in, they were still reviewing documents.

Luckily I avoided going on to SVR by going via another broker and taking their offer.

If you're unlucky enough to be applying for a mortgage with BOI, have a backup plan ready.

I recently had fraud

Please please please do not bank with this horrendous company. It will create a huge hindrance in your life. Over and over again my own revolut gets blocked which is in my name and maybe the 12th time I have rang them to unblock it. This has been going on over a year now and I have left them because of the issues I face.

Called a total of 3 times, went through to yogisshwar 2/3 times. We went through whole process of validation, and then he put me on hold at the when was supposed to create a new online pin. Extremely unprofessional. Took me over an hour and 3 attempts to change a simple pin.

MASSIVE CONARTIST
I would not recommend anybody looking at doing anything with these, I really cannot put into words at how terrible these scum are. Have cost me £4,000 for their incompetency and lack of transparency. Horrendous company to deal with

The worst bank and I would advise anyone to stay clear. I was totally mis advised by BOI representatives when I was transferring my mortgage to another lender and they recorded missed payments on my credit score which has had a significant impact.
Impossible to get hold of, with no customer service or care.
I wish I had read the reviews before ever making the decision to go with them, Never again.

My daughter wanted to register for online banking and order an atm card.
We rang Banking 365, got to speak to Lucie. Sounded like we woke her up.

We told her what we wanted to do. She spoke to me and my daughter giving account number address and last tx on the a/c.
She claimed that the tx had to be in the last 14 days and said go and do tx in a shop etc.
How she expected her to that without a card was unbelievable.
I told her the branch could verify us etc. No joy not interested in helping at all. It was terrible service.

So we rang again got to speak to an Indian guy explained what we wanted and what happened.

He said he was sorry and would transfer us to another section. We spoke to a lady this time of told her what happened and what we wanted she told us to hold.
Then the line goes dead.

So we ring again and explained what happened again. Spoke to Mary who applogised and said she didn't think she would have the patience to ring again.

Anyway she ordered the card etc and was very good efficient but still could not register for Banking 365.

A number of issues it should not take all that hassle to do two very basic requests.

If the bank has a system that is not customer friendly then it's not fit for purpose.

Having to spend a hour to carry out those requests is an out an out disgrace.

Customer personnel should be able to talk to supervisor in order to deal with the situation.

Also I am disgusted that the call was being answered in India.

After all Bank of Ireland has made it's profits mainly in Ireland.

Why are we exporting jobs when there is no need to do so. It is shameful.

Got a call the following today gave all the details again. She asked my daughter for her bank account number and her Dob etc. Ironically 2/11. Went over head that today is her birthday.

But said I she couldn't verify her without a card tx.
Surely in 2023 we should have technology to be Abe to send he a verification code or that she could confirm her mothers maiden etc.

I Explained how disrespectful it was that her Mom and Dad worked in BOI for over fifty years and customers for forty years.
I asked where she was located she said Tallaght.
I said if a guru in the Head office decided to farm out your section to India where would she be? out of a job.
The whole episode is farcical.
Shame on Bank of Ireland.
We are not Bank of India.

But it appears they don't want customers and as for customer service goes they don't know the meaning of the word.

Bank Chief executive Myles O Grady should be ashamed and his board members also for allowing this type of thing go on.

Bank or Ireland and their only real competitor, AIB, have not passed on the higher interest rates to their customers and instead greedily have taken the additional income to boost their earnings.
The Central Bank of Ireland has a duty to fix this as well as getting rid of the duopoly which removes the competition -shameful that the CBI has allowed this to happen. Your managenent should be fired

Let me say, I am banking with BOI since 2019, I wish I switched earlier and waited for so long to write a review. I normally do not write these things but for everyone out there, please stay away from Bank of Ireland and open an account with other banks. This is bank where bunch of jokers handle customers. What a disgrace. And do not even think you would be easily approved for anything such Loans, CCs or overdrafts etc. When you do apply for simple loan, they are making drama of this and it takes forever to decline your application. They are acting like you are asking for millions. I would understand if I would be someone without job or unstable etc, but that is where this bank fails. I am an individual with high pay salary, which goes to my account every month now nearly for 5 years and I cannot believe how this bank can easily decline you for simple applications. Just nothing but big joke this is. Funny how I can easily get car loan with another lenders, CC with another bank etc. but expecting to get something like this with your own bank, well you will get disappointed. Now I am seeing all these bad reviews on this site, which only proves this bank is worst. Bunch of Clowns are running this Bank. Stay away, they will never help you with anything. I will soon switch to another bank to finally got away from these clowns.

Shout out for Shannon in the Bank of Ireland call centre - in a friendly manner, she came up with solutions and where she couldn't help, is finding me someone who can. Good experience and happy it was Shannon that I connected with.