EBS Debit Card

The EBS Debit Card allows you to make purchases and withdraw money from your EBS bank account in Ireland and worldwide. You can use your card in shops, at ATMs and online wherever Mastercard is accepted.

The EBS Debit Card is available to all EBS MoneyManager account holders and EBS Teen Savings account holders once they have turned 16 years of age.*

*The adult mandated to operate a Teen Savings account may hold an EBS Debit Card in their own name. Once the teen has turned 16, they can then receive their own card upon request by both the adult and teenager.


Where can I use my Debit Card?

Where you see the Mastercard logo, you can use your EBS Debit Card to:

  • buy in-store or online in Ireland and abroad*
  • withdraw cash from an ATM
  • get cashback in retailers in Ireland that offer it
  • make contactless  payments

*For international use, you must supply us with your mobile phone number, which allows us to notify you for fraud prevention purposes. Click here to see the exchange rates for non-Euro EU/EEA currencies on your EBS card. To view the rates for all other currencies visit the Mastercard website.


Contactless Payments – make easy and secure payments in seconds

How do I complete a contactless transaction?

You can pay for your purchases quickly and securely using your contactless enabled EBS Debit Card. Simply touch and pay for items that cost €50** or less with your card, instructions on this can be found below.***

**For all new EBS Debit cards issued from 1st April 2020, the contactless limit is set to €50. For debit cards issued before 1st April 2020 with the contactless symbol, to activate the contactless increase on your card you will need to complete 3 transactions using your PIN, in store or at an ATM.  

***To activate contactless on your new card, simply complete any Chip & PIN transaction and you are good to go.


What is a Debit Card?

A Debit Card is linked to your bank account. You can use your Debit Card to pay for purchases in shops or online. You can also use it to withdraw cash at ATMs. Debit Card transactions are debited directly from your bank account within a few days.

Where can I use my Debit Card?

The EBS Debit Card is widely accepted in millions of shops and ATMs in Ireland and worldwide anywhere Mastercard is accepted. You can use your card to:

  • Make purchases at Point of Sale (POS)
  • Make purchases with Cashback* where retailers offer it (in Ireland only)
  • Make cash withdrawals at ATMs
  • Make Contactless payments
  • Shop online in Ireland and worldwide

* Cashback amounts at retailer's discretion

Do I need to activate my new card?

Yes, you will have to activate your card before using it by calling us on 0818 654 328 or +353 1 665 8080.

What is contactless?

Contactless is a faster way to pay for transactions for €50 or less. You pay for your goods simply by holding your card flat against the reader. Wait for the confirmation and go. Please make sure there is enough money in your account when using your card for contactless transactions.

How will I know if I have contactless on my Card?

If there is a contactless symbol located next to the chip on the front of your Debit Card (see card image above), then your card is enabled for contactless payments.

Where contactless is available, do I have to use contactless instead of Chip and PIN for transactions under €50?

No, it's completely up to you. By having contactless technology built into your Debit Card, you have more options available to pay for your goods of €50 or less.

Do I have to activate contactless on my Card?

Contactless is automatically activated on your Debit Card once you have completed your first successful Chip & PIN transaction at either Point of Sale (POS) or at an ATM.

Where can I use contactless?

You can make contactless payments at retail terminals which have the contactless symbol displayed in Ireland and abroad.

How do I change my PIN number?

You can change your PIN number at any ATM machine to something you will find easier to remember.

What will I do with my old card?

Old cards should be cut up through the chip and discarded securely.

What should I do if my card is stolen/lost/damaged?

If you lose your EBS Debit Card or it is stolen or damaged, please contact us immediately on Freephone 1800 440 040 or 0818 654 328 or from outside Ireland on 00 353 1 665 8080 to ensure that your card is cancelled and you are issued with a replacement card. This service is available around the clock, 365 days a year.

Who do I contact if I have a query on my Debit Card?

Please call us on 0818 654 328 / 1800 440 040 (Monday to Friday 9:00 – 17:00 excluding Bank Holidays) if you have any queries in relation to your EBS Debit Card.

What is the Government Stamp Duty fee for my Debit Card?

Government Stamp Duty will be charged at a rate of €0.12 per ATM transaction. Government Stamp Duty only applies to ATM transactions carried out within Ireland (excluding Northern Ireland). This charge is capped at €2.50 if you only use your debit card for ATM transactions and capped at €5 if you use your debit card for both purchases and ATM transactions. Government Stamp Duty charge on debit cards is applied in January, for the previous year.

Can I use my card to shop online?

Yes you can.

Alongside Mastercard Identity check, we have added an extra layer of security known as Strong Customer Authentication (SCA) when you use your Debit Card online. This is to help make online shopping even more secure and to fight fraud.

When you’re shopping online, you may need to confirm that it’s really you using your card.  You will be able to do this with the new EBS CardManager app, we will send you a push notification from the app for you to confirm.

You will need to download and set up the app to be able to confirm transactions.

To find out more about the app and how to set it up click here 

Do I have to use the EBS CardManager app when shopping online with my card?

You may not be asked to confirm it’s you if the purchase is low value or considered low risk but if you are asked to confirm it’s you when shopping online, you will need to use the EBS CardManager app.

Where can I find out more about EBS CardManager app and using my card online?

You can find out more about shopping online and the EBS CardManager app here.

What is Mastercard Identity Check?

Mastercard Identity Check is a fraud prevention service that helps to protect your Debit Card against unauthorised use when you shop online at participating retailers, this will be used along with the new EBS CardManager app to help confirm it’s really you using your card. 

The terms of service of Mastercard Identity check are covered within your terms and conditions associated with your account.

Where can I find the terms and conditions associated with my account?

The terms and conditions for the EBS MoneyManager account are available here and Teen Savings account available here.

Where can I find details on fees and charges applicable to my account?

Full details on the fees and charges are available in the EBS MoneyManager Terms and Conditions available here. Please note there are no fees applicable on the Teen Savings account.

What is cross border payment regulation?

It is an EU Regulation setting out rules for cross border payments and information to be provided around currency conversion charges within the EU.

Why am I getting a cross border payment regulation text message?

From 12 April 2021 we will send you a text for the first transaction that you make, in a month, in any non-euro EEA currency with a merchant, face to face or online, or at an ATM.

What EEA countries do not have a euro currency?

They are Bulgaria, Croatia, Czech Republic, Hungary, Poland, Romania, Sweden, Denmark, Norway, Iceland and Liechtenstein.

Will I be getting a text message every time I transact in a non-euro EEA currency?

No, only the first time in each month. If you transact in another non-euro EEA currency that month, we’ll send you another text message.

Which EBS customers will receive a text?

All Teen and Money Manager Account cardholders who use their card to make a payment transaction in a non-euro EEA currency.

Can I opt out of receiving these cross border payment regulation texts?

You can opt out of receiving these messages by calling Card Services on +353 1 6685500 and asking them. This number is available 9-5 Monday to Friday.

Will you text me if I make a payment transaction in a currency other than a non-euro EEA currency such as Australian dollar or American dollars?


Will I get a cross border payment regulation text straight after I have made the purchase?

Yes, we will text you immediately after the payment transaction is approved (24 hours a day).

Will I still get a cross border payment regulation text message if I pay in euro even in a non-euro country?


Will I be able to respond to the cross border payment regulation text?

No, it will be a ‘do not respond’ message. There are contact details on ebs.ie if you need to contact us.

Is there an option to cancel the transaction if I get a text and I don’t realise the transaction was in a different currency?

If you wish to cancel your transaction you will need to contact the merchant.

Who will text me about the cross border payment transaction?

The text message will come from EBS. It will not contain any links to click.

What will the cross border payment regulation text look like?

Here is an example text:

For your non-euro transaction we’ll typically charge you X.XX% (variable) over the ECB FX rate for this. For more, including how to opt out see our website.

Where can I find the FX rates on ebs.ie?

Is this cross border payment regulation text for online transactions as well as point of sale and over the phone transactions?

We will text you for all types of payment transactions (online, in person, over the phone and ATM) in a non-euro EEA currency.

If I opt out of this cross border payment regulation text message option will it mean I won’t get other texts from EBS about my card?

If you opt out, it will only be about these texts. You will still receive other texts from us about your card.

If I change my mind will I be able to opt back into receiving these cross border payment regulation text messages?

Yes, you can opt back in to receiving these text messages by calling Card Services on +353 1 6685500. This number is available 9-5 Monday to Friday.

What happens if I don’t receive the cross border payment regulation text?

It will not have an impact on the payment being processed.

What is the ECB rate?

The ECB rate is the euro reference exchange rates published by the European Central Bank.

The currency exchange rates for debit cards are available here: https://www.ebs.ie/daily-banking/ebs-debit-card/fx-rates-in-eea

Can I still receive the text message if I don’t have an Irish mobile number?


Will I still get the cross border payment regulation text if my address is registered in a country that doesn’t use euro?

Yes, you will still receive the text message if you are using your EBS debit card to make non-euro EEA currency transactions.

How come I won’t get a cross border payment regulation text message when I make a purchase from a UK company?

Great Britain is not in the EU anymore

Is the rate on the cross border payment regulation text the exact rate I will be charged?

When you use your Debit card to pay for something that is not in euro, Mastercard will convert that payment to euro using the exchange rate that applies on the day the transaction hits your account, which may not be the day of the transaction itself. Please note that this amount may be more or less than the amount stated at the time the transaction was initiated.

I got a cross border payment regulation text message but I didn’t make this transaction

Please contact our Fraud Department.