Personal Loan Repayment Difficulties

Our commitment

We understand that due to a number of reasons, falling behind on your repayments can happen.

Our commitment is that we will work with you to try to find a way to help make your repayments a little more manageable. So if you are in arrears, or worried that you soon might be, talk to us before a small problem becomes a big one.

Contact us 

It is really important that you get in contact with us as early as possible if you’re concerned. This will give us both the best chance to work together on a solution.

You can call us directly on 1800 855 010 or +353 21 601 3800. Lines are open Monday to Friday, 8.45am - 6pm (excluding bank holidays).

You may wish to contact the Money Advice & Budgeting Service (MABS). It is a national, free, confidential and independent service for people in debt or in financial difficulty. Contact 0818 07 2000 (Monday to Friday 9am - 8pm), or visit their website at

What fees and charges could I face?

We may impose a charge of 1% per month (minimum €1.25) on the amount of the arrears, which will be debited and compounded in the same manner as the interest charge.

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.

How can I avoid these fees and charges?

You will avoid these charges by keeping your repayments up to date. If you are having difficulties doing this, please call the dedicated Arrears Support team on 1800 855 010 or +353 21 601 3800 – we want to help.

Or alternatively, our Open 24 contact centre are also available to support you. They have revised opening hours in effect from Monday 4 October 2022. Agent support will be available from Monday to Friday (excluding bank holidays) 9am - 5 pm and 10 am - 2pm Saturday and Sunday. The social media team will be available from 8am - 8pm Monday to Friday (excluding bank holidays) and 10am - 5pm Saturday and Sunday. If you need to report a card lost or stolen, you can contact Open 24 on 1800 687 687 or +353 (1) 212 4290. Lines are open 24 hours a day, 7 days a week. You can still access all self-service functionality 24/7 through, mobile app or automated telephone service on 0818 502 424.

For Small to Medium Enterprises (SME) which are experiencing repayment difficulties, please read our Guide for Small to Medium Enterprises facing financial difficulties (836KB)

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