A new self-serve SMS service has been created to enable our customers to request and receive their 365 online User ID by SMS short-code.

Free text User to 50365 to get your 365 online User ID.

To use this service you will need the following:

• A personal current account¹;
• Be digitally active;
• Have your mobile phone registered to receive security codes;
• Your mobile number linked to one User ID.

¹This service is not currently available on Business Current Accounts.

Some account numbers (for example, Lloyds, Halifax and MBNA account numbers) only contain zeros. If you want to make a payment to an account number like this, you can only pay by:

• direct debit
• using the provider’s mobile app, if available
• over the phone directly with the provider, or
• sending the payment by cheque.

Log in to the app and go to the profile section. Depending on the type of device you are using, you should see a section called one of the following:

• Biometric login or Fingerprint or Face Recognition (for Android)
• Touch ID or Face ID (for iPhone)

Tap on this section, then tap again to enable biometric login.

Important: If there is more than one 365 profile registered on your mobile phone, you cannot use biometric login. The feature is disabled as a security precaution, to protect customers’ profiles and accounts.

Biometrics (face or fingerprint recognition) can only be used for logging in to the app on your mobile phone. It cannot be used for tablet, desktop or laptop log in.

You cannot use biometrics for other functions such as payments. For these you will still need to use your PIN and swipe.

Important: Anyone whose biometrics have been added to your mobile phone can potentially log in to your profile. We recommend deleting any biometrics that are not your own.

You can use the same app to log in to your personal and business profiles, but you will need to set up each profile separately on your device.

If you are using the same mobile number for both your personal and business profiles, make sure that number is registered for each separate profile. You can check this, and change it if you need to, in the profile section of the app.

Using biometrics to log in

You cannot use biometrics (face or fingerprint recognition) to log in to the app if you have a personal and a business profile registered on the same device. Biometrics will be disabled as a security precaution. You will need to log in using the PIN linked to each separate profile.

More than one 365 online profile can be accessed on an individual mobile phone/device. When opening the app, a user can log in by tapping on the specific user ID for the profile they want access to. They will then need to complete logging in using 3 digits of the 6-digit PIN for that profile.

The app will always use the first user ID that was added to the device as your primary profile. To change this, you will need to reinstall the app.

Important: If there is more than one 365 profile registered on your mobile phone, you cannot use biometric login. The feature is disabled as a security precaution, to protect customers’ profiles and accounts.

Yes, a 3G or WiFi connection is required.

Bank of Ireland continually reviews the minimum software required to use 365 online. This keeps you, your data and your online banking more secure.

Customers using older, unsupported operating systems and internet browsers are no longer able to log in to 365 online using this old software.

You can continue to access your account online using the Bank of Ireland app on a wide range of Android (smartphone/tablet) or iOS (iPhone/iPad) devices. Details on supported and unsupported software can be found here.

Payments that are requested before the daily cut-off time will be processed that working day. Payments that are requested after the daily cut-off time Monday to Friday, or at any time on a Saturday, Sunday or Bank Holiday will be processed on the next working day.

Cut-off time for Republic of Ireland is 3.30pm (GMT) and the cut-off time for United Kingdom is 4:30pm (GMT).

Sending money within the UK will be quicker. When you send money within the UK before 4.30pm (GMT) on B365 the funds will be received by the recipient / payee before close of business on the same working day.

Your account balance is identical to the balance available through 365 online. This reflects the position at close of business on the previous working day, subject to any transactions that have not yet been applied to your account. This balance may be updated during the day as transactions (including recently lodged cheques being cleared) are presented but will not be confirmed until the next close of business. This balance does not include any overdraft facility available to you.

Firstly, you should always ensure that you lock your phone when it is not in use. As long as you have not shared your login details with anyone, nobody will be able to log into your account via your mobile phone. As an extra security measure you are automatically logged out of Mobile Banking after 5 minutes of inactivity. If you want to suspend your mobile banking service please Contact Us.

Bank of Ireland uses 128-bit encryption to code all information while it is being exchanged. Even so, you should always follow these practical security basics:

• Lock your phone or keypad
• Don't share your login details with anyone
• Never respond to texts that you haven't requested
• Mobile Banking applications will only ever be made available via the Apple iTunes App Store and Google Play
• Always log out when you are finished using the service

Important: Anyone whose biometrics (face or fingerprint recognition) have been added to your mobile phone can potentially log in to your profile. We recommend deleting any biometrics that are not your own.

You can download the apps without any additional charge from Bank of Ireland, however standard current account transaction fees and service charges may apply. Please see our Fees and Charges section for details. Please contact your network provider for details of any charges specific to your network.

Pay to Mobile enables you to send money within the UK to your family and friends, who bank with Bank of Ireland UK, using just a mobile phone number. It is a simple, secure and fast way of transferring money with no additional charge, other than standard current account charges.

In order to use this service, you must complete a once-off registration on 365 Online to send and/or receive payments.

You can send up to €100/£100 in a single transaction and up to €300/£300 per day. Beneficiary accounts can receive up to €600/£600 daily.The Pay to Mobile service is available to iPhone users (iOS versions 4.3 and above) and Android users (OS versions 2.1 and above).

To register for Pay to Mobile, please visit www.365online.com

To find out more information on the Pay to Mobile service, including more detailed FAQs, please visit www.bankofireland.com/paytomobile

You can access the following Bank of Ireland UK accounts once they have been registered on 365 Online:

• current accounts,
• demand deposit accounts; and
• regular savings accounts

With Bank of Ireland Mobile Banking you can:

• View Account Balances on your Current, Demand Deposit, Term Loan and Credit Card accounts
• View Transaction Histories on these accounts
• Send money within the UK between your accounts and to other payees
• Pay your Bills
• Pay to Mobile – send money to family and friends using only a mobile phone number (Customers must be registered for Pay to Mobile service)
• Log in to another profile – customers who have more than one Bank of Ireland UK account profile can now switch between their accounts on the login page
• Search for Bank of Ireland UK Branches and ATMs in your area
• Contact Bank of Ireland

Please note: To use these services on the app, all accounts, payees and bills must be already registered on your 365 online profile.
Important: If there is more than one 365 profile registered on your mobile phone, you cannot use biometric login. The feature is disabled as a security precaution, to protect customers’ profiles and accounts.

If you are already a 365 online customer all you need to do is download our App from the App Store (iPhone) or Google Play store (Android). You will then be able to log in with your 365 online login information. If you are not registered for 365 online, click here to get set up

No, Bank of Ireland Mobile Banking is available to Bank of Ireland UK customers who have registered for Bank of Ireland 365 online. You can access Mobile Banking using your existing 365 online login details. If you are not registered for 365 online you can do so here