Overdraft Repayment Difficulties

We're here to help

We understand that due to a number of reasons, falling behind on your repayments can happen. Our commitment is to work with you to try to find a way to help make your repayments a little more manageable. If you're in arrears, or worried that you soon might be, talk to us before a small problem becomes a big one.

Contact us early

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. 

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 reach out to the Money Advice & Budgeting Service (MABS), a national, free, confidential and independent service for people in debt or in financial difficulty. Contact them on 0818 07 2000. Lines are open Monday to Friday, 9am to 8pm, or visit their website.

What fees and charges could I face?

• Referral fee: €5 per item (max of €15 per day) will be applied if a cheque(s) or debit(s) is presented for payment and paid, but there are insufficient cleared funds in the account to meet the debit(s) at the time of presentation. The referral fee will be applied on that day or the next business day.
• Interest rate: 12% per annum as well as the authorized overdraft rate of 15% variable. This is 1% per month greater than the current interest rate on your account. Interest accrues daily and is added to your account quarterly.
• Unpaid items: A charge of €10 will be applied to your current account for all unpaid Direct Debits, Standing Orders or Cheques.

How to 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 our dedicated Arrears Support team on 1800 855 010 or +353 21 601 3800. Lines are open Monday to Friday 8.45am to 6pm (excluding Bank Holidays). We want to help.

You can view your accounts via Open24 Online Banking, or via the PTSB App:

How to view my accounts in Open24 Online Banking:

• Log in to the Open24 online banking website
• You will then be asked to enter 3 digits of your Personal Access Number (PAN)
• Then, select the account you wish to view.

How to view my accounts in the PTSB App:

1. Log into the PTSB App by entering 3 digits of your Personal Access Number (PAN).
2. Select the account you wish to view.

Alternatively, you can reach out to our social media team who are available Monday to Friday 8am to 8pm (excluding Bank Holidays), and Saturday and Sunday from 10am to 5pm.

For Small to Medium Enterprises (SMEs) in or facing repayment difficulties, read our Guide for Small to Medium Enterprises facing financial difficulties.