We understand that people can fall behind on their repayments for lots of reasons. Whatever the reason, we want to help you find a way to make repayments easier to manage. If you’re in arrears now, or worried that you might get into difficulties, please talk to us. We can help – before a small problem becomes a big one.
It’s really important that you get in touch with us as soon as possible if you’re concerned. This gives us the best chance to work together to find a solution.
You can call us directly on 1800 855 010 or +353 21 601 3800 (from abroad). Lines are open Monday to Friday, 8.45am to 6pm, (excluding Bank Holidays).
You can also contact the Money Advice & Budgeting Service (MABS), a free, confidential and independent service for people who are in debt or in financial difficulty. You can call MABS on 0818 07 2000, Monday to Friday, 9am to 8pm, or go to the MABS website.
See our list of useful contacts for more information on other organisations who might be able to help you.
If you don’t pay on time, or go over your credit limit, you could face additional fees and charges. That’s why it’s important to talk to us early – before charges build up. These are:
You can avoid fees and charges by keeping your repayments up to date. If you’re having difficulties with your repayments, please call our dedicated Arrears Support team. We want to help.
To check your loan account and any payments that are due, you can see all your active accounts at Open24.ie or on the PTSB App.
How to view your accounts in Open24 Online Banking
How to view your accounts in the PTSB App
Warning: Missed payment data will be reported to the Central Credit Register (CCR), as required by law, in the legitimate interests of PTSB and the CCR. This may affect your future ability to borrow.
