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 about financial difficulties. Our dedicated support team is here to listen and help. Reaching out early gives us the best opportunity to work together and find a solution that’s right for you.
You can call us directly on 1800 855 010 or +353 21 601 3800 (from abroad). Lines are open Monday to Friday, 9am to 5:15pm (excluding public holidays).
You can also visit our page Managing Everyday Banking for some helpful tips on keeping up with your finances, or managing your Credit Card.
The Money Advice and Budgeting Service (MABS), are a free, confidential and independent service for people who are in debt or in financial difficulty. Visit their website or call MABS on 0818 07 2000, Monday to Friday, 9am to 8pm.
The Insolvency Service of Ireland’s Back on Track website offers free, confidential support and expert advice to help you deal with debts and get your finances back on track.
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 on the number above. We want to help.
Fees and interest may apply, increasing the outstanding debt you owe.
Your Credit Report may be affected, which may limit your ability to borrow in the future.
Your debt may be outsourced to a debt collection agency.
The Bank may take legal action against you in relation to the outstanding debt. In such circumstances, in addition to the outstanding debt, you may also be liable to pay the Bank’s legal costs and outlays in relation to the preparation and progression of any legal proceedings.
To check your 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
Please note if your credit card facility has been removed you may no longer be able to view it on Open24. Please call us on the numbers above.
Missed payment data will be reported to the Central Credit Register (CCR) as required by law. This may affect your future ability to borrow.
If you’d prefer a printed copy of this page, call us on 1800 855 010 or +353 21 601 3800 and we’ll post one to you.
Learn more how to print this page yourself
