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What’s all this? Our terms and conditions provide the specific rules for Mobile Banking which includes Text Banking and Mobile Top Ups. Drop by a branch if you have any questions.

The following revised Mobile Banking Terms and Conditions are effective from the 13 January 2018.

These terms and conditions (“these Conditions”) form part of and are deemed to be incorporated into the Open24 Service terms and conditions (the “Open24 Conditions”) of permanent tsb p.l.c. (the “Bank”) which can be found in branch or online here.

1. Definitions

For the purposes of these Conditions, unless the context otherwise requires:

  • Accesscode means the passcode provided by the Bank to Customers who register for Text Banking. This is sent to the Customer via SMS to the Permitted Mobile
  • Aggregator means a third party technology provider who routes SMS messages between the Bank and the Mobile Phone Operators
  • Device means any mobile communications device with functionality to SMS approved by the Bank which is used to access Text Banking
  • Text Banking means those services provided by the Bank which may be accessed via SMS
  • Mobile Phone Operators means the company who provides mobile communications services to the Customer. These include, but are not limited to, Vodafone, Meteor, 3 and Tesco
  • Permitted Mobile means any mobile phone number registered in Ireland to you and notified to the Bank
  • Registration means the process whereby a Customer requests access to the Text Banking facility. The Customer must do this via Open24 internet banking. The Bank may seek further verification of the Permitted Mobile provided by means of requiring the Customer to contact Open24 telephone banking and answering certain security related questions
  • SMS means the facility available to users of Devices to send and receive text messages using these Devices
  • General Terms and Conditions means the general conditions applicable to all accounts and services

If a term is defined in the General Terms and Conditions, including the Open24 Conditions, it shall have the same meaning in these Conditions unless otherwise specified.

Any other use of the materials on this website, including any form of copying or reproduction (for any purposes other than those noted above) modification, distribution, re-publication, extraction, re-utilisation, incorporation or integration with other materials or works or re-delivery using framing technology, without the prior written permission of permanent tsb, is strictly prohibited and is in violation of the proprietary rights of permanent tsb.

2. Use of Text Banking and Application of these Conditions

2.1 Text Banking may be accessed and utilised by Customers who:

  • have registered for Text Banking in accordance with the registration process of the Bank
  • have received from the Bank an Accesscode (this is sent via SMS to the registered Device)

2.2 These Conditions govern the use of Text Banking and the Customer shall be bound by them. For the avoidance of doubt, except to the extent that they have been varied by these Conditions, the General Terms and Conditions shall also apply to Text Banking.

2.3 The Customer undertakes to comply strictly with these Conditions and the Operating Instructions (as defined in the General Terms and Conditions), which are designed to minimise the risk of unauthorised use of Text Banking.

2.4 The Services which are provided by the Bank and which may be accessed and used through Text Banking are limited to:

  • Balance enquiry
  • Mini-statement request which will include details of the previous five (5) transactions on the Account
  • Inter-Account transfer which will permit the Customer to transfer funds to the Account(s) of other Customer(s) of the Bank
  • Bill payment which is limited to the payment of bills to bill payees which have been previously approved by the Bank (details of the bill payees approved by the Bank are available on the Website)

3. Security Conditions

3.1 The Customer shall keep the Customer’s Accesscode safe and shall not divulge it to any other person, or note it on anything carried or associated with the Device used to access Text Banking or in any form that would be intelligible or otherwise accessible to a third party or do or omit to do anything else that might enable irregular or unauthorised access to or utilisation of Text Banking.

3.2 The Customer should memorise the Accesscode before deleting it from the memory of the Device. In the case of the number being forgotten, a new number can be requested through the Open24 Service via the Website. The Bank shall not be liable for any loss or damage arising out of or in connection with the failure of the Customer to delete the Accesscode from the Device upon receipt of same.

3.3 Information received by SMS from the Bank will be stored on the Device until such time as a subsequent SMS is received from the Bank or the Customer deletes the SMS, whichever occurs earlier. Accordingly, the Customer acknowledges that the Customer is solely responsible for maintaining the confidentiality and security of the Device and any such SMS after receipt. The Bank shall have no liability to the Customer in respect of disclosure of any SMS after receipt.

3.4 The Customer shall immediately notify permanent tsb Open24, Carysfort Avenue, Blackrock, Co. Dublin (telephone:0818 502 424, or if calling from outside Ireland: +353-1-212 4101) if unauthorised or irregular transactions are recorded on an Account.

4. Authority To Bank

4.1 The Customer authorises and instructs the Bank to act on all instructions and requests that are received through Text Banking provided the instructions and requests are made by use of the Permitted Mobile and Accesscode. Although the Bank may from time to time require other additional means of personal identification it shall not be obliged to do so and it may act on such instructions and requests without taking any further steps to ensure that the instructions or requests are genuine.

4.2 The Bank is not obliged to cancel or amend any instruction or request that is received through Text Banking. The Bank shall use reasonable efforts to act on a request of the Customer for cancellation or amendment prior to execution of the request or instruction but shall have no liability if it does not do so.

5. Obligations Of Customer

5.1 The Customer shall provide and maintain at the Customer’s own expense any Device needed to access and use Text Banking and shall ensure that such Device satisfies all technical and other requirements reasonably specified by the Bank from time to time.

5.2 The Customer is responsible for disconnecting and clearing any information from any Device used to access Text Banking before leaving such Devices unattended.

5.3 The Customer shall ensure that all instructions given by the Customer to the Bank through Text Banking are accurate and complete and prior to confirming any such instruction. The Customer cannot cancel or change instructions once given and instructions once given shall be final and binding on the Customer.

5.4 The Customer will pay all applicable banking and transactional fees and charges from time to time payable for services provided through Text Banking in accordance with the Bank’s Fees booklet. All costs incurred by the Customer in accessing and utilising Text Banking including the cost of SMS messaging shall be at the Customer’s expense.

5.5 The Customer shall immediately notify the Bank of any change to the Permitted Mobile or operator in order to ensure the expeditious processing of the Services.

6. Availability Of Services

6.1 Although it is the Bank’s intention that the Text Banking system would be available to Customers 24 hours a day 365 days a year, there will be occasions when due to technical, security, maintenance, administrative or other reasons (whether within the control of the Bank or not) some or all of the services normally available through Text Banking will not be available. Accordingly, the Bank may from time to time, without incurring any liability to the Customer, temporarily suspend the availability through Text Banking of any or all of the services for such periods as the Bank shall determine.

6.2 The Bank shall, on giving not less than two months notice to Customers, be entitled to terminate Text Banking.

6.3 The Bank may from time to time add to, withdraw, suspend, amend or otherwise alter all or any of the services, which may be accessed and utilised through Text Banking. Details of the services available from time to time will be given in the Operating Instructions on the Website. The Bank may amend, supplement or replace the Operating Instructions from time to time.

7. Fees And Charges

Other than the standard banking and transaction fees and charges covered by Section 5.4 above, the Bank does not currently intend to charge fees to Customers for utilising Text Banking. However, the Bank may determine to introduce Text Banking fees to Customers for utilising Text Banking in the future, subject to regulatory approval and to alter such fees and charges from time to time. Full details of all fees and charges which may be payable by Customers for utilising Text Banking will be notified to Customers in accordance with Condition 9 of the General Terms and Conditions.

8. Account Balance Information

8.1 While the Bank currently operates a real-time on-line system, which enables immediate updates to Accounts, the time necessary to complete the processing of instructions and requests may vary depending on whether they can be immediately processed and the nature of the instruction or request. Accordingly the Customer acknowledges that account balance information given through Text Banking is as up-to-date as the Bank’s systems permit at the time of the Customer’s enquiry but it may not reflect transactions that are in hand, but which still have to be processed or verified. For example, it may take account of a cheque which has been lodged to the Account but which has not yet cleared, if that cheque is returned unpaid the Bank will debit the Account with the amount of the cheque. The Bank will not be liable for any loss suffered by reason of any Account balance information not being accurate or up-to-date.

8.2 Any loan account balance provided through Text Banking may not represent the total amount required to settle that loan account.

9. Security

9.1 While the Bank has taken all reasonable security precautions, the nature of communication by the Internet and other electronic means is such that the Bank cannot guarantee the privacy or confidentiality of any information relating to the Customer passing by such methods. In accessing and availing of Text Banking, the Customer accepts that communications may not be free from interference by third parties and may not remain confidential. The use of Text Banking is at the Customer’s sole risk.

9.2 The Customer understands that any SMS sent either to or from the Bank must pass through systems operated by the Customer’s Mobile Phone Operator and an Aggregator. No message content is captured by the Aggregator. However, the Aggregator will retain information in relation to the time and date of the SMS to or from any Device, as well as the Permitted Mobile associated with the Device. This information may constitute personal data of the Customer. Any such information will be protected by the Aggregator as confidential information and will only be used by the Aggregator on the instructions of the Bank. The Bank will only use such information for the purposes of providing the Text Banking and/or in the event of a dispute.

9.3 The Customer accepts that the Mobile Phone Operators are obliged to store message content for a period of time for legal reasons. This obligation is covered in the terms and conditions of use published by the Mobile Phone Operators.

10. Liability

To the fullest extent permitted by applicable law, the Bank will have no liability for loss or damage arising out of or in connection with the Customer’s use of Text Banking, unless otherwise specified in these Conditions.

11. Dispute Resolution

The Bank’s dispute resolution policy shall apply to any disputes relating to Text Banking.

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