Overdraft Repayment Difficulties

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.

Contact us early

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). Our lines are open Monday to Friday, 8.45am to 6pm (excluding Bank Holidays).

You can also contact the Money Advice & Budgeting Service (MABS), which is a free, confidential and independent service for people who are in debt or in financial difficulty. Call MABS on 0818 07 2000. Lines are open Monday to Friday, 9am to 8pm, or visit the MABS website.

See our list of useful contacts for information on other organisations who might be able to help you.

What fees and charges could I face?

If you don’t make your overdraft repayments, you could face additional fees and charges. That’s why it’s important to talk to us early.  These fees and charges are:

• Referral fee: €5 per item (up to a maximum of €15 per day). This is charged if a cheque or debit is presented for payment and paid, but there is not enough money (cleared funds) in the account to make the payment. The referral fee will be applied on that day or the next business day.
• Interest rate: 12% a year, plus the authorised overdraft rate of 15% variable. This is 1% per month more than the current interest rate on your account. Interest is charged daily and is added to your account quarterly.
• Unpaid items: €10 will be charged to your current account for each unpaid Direct Debit, Standing Order and Cheque.

How can I avoid these fees and charges?

You can avoid these 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. Please call 1800 855 010 or +353 21 601 3800 (from abroad). Lines are open Monday to Friday, 8.45am to 6pm (excluding Bank Holidays).

It’s easy to check your overdraft and bank account

To check your overdraft, you can see all your active accounts at Open24.ie or on the PTSB App.

How to view your accounts in Open24 Online Banking

• Log in to the Open24 online banking website. 
• Enter your Open24 number and internet password.
• Then enter 3 digits of your Personal Access Number (PAN).
• Select the account you wish to view.

How to view your accounts in the PTSB App

• Open the PTSB App
• Enter 3 digits of your Personal Access Number (PAN)
• Select the account you wish to view

Information for SMEs

If you are a Small to Medium Enterprise (SME) and are experiencing financial challenges or repayment difficulties, please read our Guide for Small to Medium Enterprises facing financial difficulties. It explains how we can support your business. Copies are also available in all PTSB branches.