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Enhanced Customer Support

Helping you through those everyday challenges

At PTSB we know that over the course of our lives our needs and circumstances will change and as such we understand that various customers may require additional support. We want to assure our customers that regardless of your circumstances your financial wellbeing is our utmost priority.

Who may require our additional support?

We understand that some of our customers might like a little extra support on a day to day basis. We also recognise that these days life can bring around unexpected changes. If you require extra support temporarily or on an ongoing basis we are here for you. The below provides an overview of the wide range of circumstances where we may be able to provide assistance.

Health: Customers with health conditions which may impact their ability to carry out day-to-day tasks

Accessibility: Customers whose physical circumstances mean they may need additional assistance accessing our services

Elderly: Customers in the later stages of life who may be affected by age-related difficulties or concerns

Life events: Customers who have recently experienced significant life events such as bereavement or job loss

Financial distress: Customers who are in a position of financial distress or uncertainty

Resilience: Customers with a low ability to withstand financial or emotional shock

Cognitive difficulties: Customers who may have trouble remembering, learning new things, concentrating or making independent decisions

Financial abuse: Customers who are concerned about maintaining access to or control over their own finances

 

How we can help and support you

We recognise that there is no one size fits all when it comes to the support you need so please do feel free to speak to us about your needs and we will do our very best to support you and your financial wellbeing.

We have a dedicated Enhanced Customer Support team within our Contact Centre to resolve any phone queries that you might have, so please give us a call on 0818 818 721 or +353 1 655 0581 (from abroad). Lines are open Monday to Friday, 9am to 5pm (excluding public holidays). Our team are on hand to:

  • Facilitate private, in-branch appointments to discuss any additional supports you may require and to better understand your needs by using the number above.

  • We support customers regularly that may be or might shortly experience financial difficulty to find a path forward where possible. If you are in this position please do not hesitate to speak to us about our solutions on 1800 855 010 or +353 21 6013800 (from abroad). Lines are open Monday to Friday, 9am to 5pm (excluding public holidays).

  • We provide a dedicated Arrears Support Unit for customers who may have already found themselves having trouble in making repayments available on 1800 855 010 or +353 21 6013800 (from abroad). Lines are open Monday to Friday, 9am to 5pm (excluding public holidays).

  • We understand that losing a loved one is a difficult time. We're here to help you with banking support during this period. You can visit your local local branch or call our dedicated Bereavement Services Team on +353 1 212 4077. Lines are open Monday to Friday, 9am to 5pm (excluding public holidays).

  • Looking for how to best protect yourself from fraud? We provide educational information on how to protect yourself from fraud.

  • Looking for someone to withdraw money on your behalf? If you are unable to visit one of our branches we have a support in place to allow you to nominate a family member, friend or carer to withdraw money for you

  • Recognise the Sunflower Lanyard (worn if a person has a hidden disability) and Just a Minute “JAM” Card which prompts us to provide customers with additional assistance such as extra time to carry out our customer transactions

  • We will keep a report of the assistance you require to ensure you will not have to inform us more than once. We also commit to never sharing your data or information for any situation and will only use them to ensure you have the best customer experience possible, no matter the circumstances.

If you or someone you know may require additional care or support please don’t hesitate to contact a member of our Dedicated Support Team today.

 

Trusted Contact Person

A Trusted Contact Person is someone you may choose to nominate as an additional point of contact for the Bank to contact in certain prescribed circumstances. This person cannot access your money, give instructions, make enquiries, make transactions, or manage your account, but they can help us reach you if we have concerns about your wellbeing or account activity.

 

Why should I nominate a Trusted Contact Person?

  •  Provides us with a contact if we have potential concerns of financial harm or fraud.
  •  If we are unable to communicate, we could contact your TCP.
  • If we have concerns about your wellbeing, we have a potential person to contact.

 

How does it work?

  • You nominate someone you trust – a family member, friend, or carer that is over 18 years old.
  • We will only contact them if we have concerns about your account and / or cannot get in touch with you.
  • They cannot access your account information, make decisions or give instructions / make transactions on your behalf.

 

Frequently asked questions

Does my Trusted Contact Person have access to my account?

No. They cannot view your personal details, transactions, account balance(s), withdraw money, or make any changes to your account.

 

When will PTSB contact my Trusted Contact Person?

We may contact the Trusted Contact only if we have concerns about your wellbeing or account activity and cannot reach you directly.

 

Who can I choose as a Trusted Contact Person?

Anyone you trust – typically a family member or close friend.

 

How do I set up a Trusted Contact Person?

Simply contact our Enhanced Customer Line on 0818 818 721. Lines are open 9am to 5pm, Monday to Friday (excluding public holidays) or pop into your local branch. We’ll guide you through the process.

 

Can I change or remove my Trusted Contact Person later?

Yes. You can change or remove your Trusted Contact Person at any time by contacting us.

 

Financial abuse

Financial abuse happens when someone tries to control your financial decisions, access your money without permission, or exploit your financial situation for their own benefit. It often starts subtly and can be hard to detect.

Examples include but are not limited to:

  • Pressuring you to give them money or assets.
  • Forcing you to sign financial documents.
  • Misusing your accounts or financial information.

Financial abuse is recognised as a serious risk. We are committed to protecting our customers by raising awareness and ensuring robust safeguards.

 

Warning signs to watch for

Be alert to these common indicators:

  • Someone taking control of your day-to-day finances or excluding you from decisions.
  • Pressure to hand over money you earn.
  • Denial of direct access to your accounts or being urged to add someone to your accounts.
  • Imposing an “allowance” that restricts your financial independence.
  • Pressure to share passwords, PINs, or other sensitive financial details.

 

How we can help

If you believe your financial independence is at risk, contact our dedicated team immediately on 0818 818 721. Lines are open 9am to 5pm, Monday to Friday (excluding public holidays). We provide confidential support and guidance to help you regain control.

 

Steps to safeguard your finances

We encourage all our customers to be vigilant and if you believe your financial independence might be at risk, please contact one of our dedicated teams and our staff would be there to guide your through. We would also encourage our customers, that where possible, they consider the below steps to safeguard their finances. 

  • Monitor your accounts regularly and report unfamiliar transactions straight away.
  • Never share passwords, PINs, or personal details with anyone. Update login credentials regularly.
  • Use trusted legal arrangements such as ADMA or Enduring Power of Attorney only with individuals you fully trust.
  • Reach out if you feel uncertain about your financial situation or suspect misuse of funds. Our team can advise and support you.
  • Understand joint account implications before proceeding. Seek independent legal advice and have open discussions about responsibilities and spending habits.

 

Why this matters

Financial abuse can lead to severe hardship and vulnerability. By staying vigilant and knowing your rights, you can protect yourself and those you care about.

If you or someone you care about is facing financial hardships, we are here to help. Learn more about Repayment Difficulties.

 
External supports and resources

If you or someone you know is experiencing financial abuse, reach out to the following supports:

 

Women's Aid

For 24h National Freephone Helpline call 1800 341 900

Email: info@womensaid.ie

 

Mens Aid

For National Confidential Helpline call 01 554 3811. Lines are open 9am to 5pm, Monday to Friday.

Email: hello@mensaid.ie 

 

Saoirse 

For free helpline 24/7 call 1800 911 221

Email: helpline@sdvs.ie

Trusted Contact Person Nominated Form

Nomination form for any customers that would like to nominate a Trusted Contact Person.

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