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 concerned about financial difficulties. 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, 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.
The Money Advice and Budgeting Service (MABS) are a free, confidential and independent service who help 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 information on other organisations who might be able to help you.
We may charge 1% per month (minimum €1.25) on any overdue amount. This charge will be debited and compounded in the same way as the interest charge.
Missed payment data will be reported to the Central Credit Register (CCR) as required by law. This may affect your future ability to borrow.
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 loan account and any payments that are due, you can see all your active accounts on Open24 Online Banking or in the PTSB App.
How to view your accounts in Open24 Online Banking:
How to view your accounts in the PTSB App:
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
