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Common questions about transfers and payments

Need to transfer your money or pay a bill? You can do it all online.

How do I move my money between my EBS accounts or to another account?
Owe your pal for that cinema ticket, or just need to save some extra cash this month? You can easily move your money between your own accounts or to an external account.

Click on ‘I Want to’ in the navigation menu on the top right of the screen.
A panel box will appear at the top of the page.
There are 3 transaction types: ‘Move money’, ‘Pay a bill’, and ‘Pay a new beneficiary.’ The default selection is ‘Move money’ so you are all set.
Click on ‘From account’ and you can select the account from which the funds are moving.
Then, select ‘To account’ to choose the account where the funds will be moved to.
You then type in the amount you wish to move.
Click ‘Continue’ and the confirmation dialog box will appear on screen. Enter the requested digits of your PAC and click confirm to approve the transaction.

Handy Tip: the PAC may not be asked for in sequential order (for safety reasons, of course).

How do I pay a bill?
No one likes paying them bills. But at least it’s painless online. All you need to do is:

Click on ‘I Want to’ in the navigation menu on the top right of the screen.
A panel box will appear at the top of the page.
There are 3 transaction types: ‘Move money’, ‘Pay a bill’, and ‘Pay a new beneficiary.’ The default selection is ‘Move money’ so change it to ‘Pay a bill’
Once you have selected your transaction type, you can click on ‘From account’ and you can select the account from which the funds are moving.
Then, click ‘To account’ to select the account where the funds will be moved to.
You then type in the amount you wish to move.
Click ‘Continue’ and the confirmation dialog box will appear on screen. Enter the requested digits of your PAC and click confirm to confirm the transaction.

Handy Tip: the PAC may not be asked for in sequential order (for safety reasons, of course).

How do I set up a new Bill or Payee?
Before you can transfer the money to another account, you’ll need to set them up as a beneficiary. Bill payments will be set up in real time but for other accounts (payees) you will also need to phone us, this means we can keep the process safe and secure.

Setting up a new bill

Click on ‘I Want to’ in the navigation menu on the top right of the screen.
A panel will appear at the top of the page.
There are 3 transaction types, move money, pay a bill and pay a new beneficiary. The default selection is ‘move money’, change this to ‘Pay a New Beneficiary’
You are now in the ‘Manage’ section (You will see that it has turned red in the top menu) and are given the option to create a new bill or beneficiary.
To set up a bill, select ‘ A New Bill’ at the top of the page
Then choose a company name from the dropdown list and enter your reference number and a nickname for the bill. Once you’ve done that click on Continue.
The confirmation dialog box will pop up on your screen. Simply enter the requested digits from your PAC and click confirm to authorise the bill set up and you are all done.

Setting up a new Payee

Click on ‘I Want to’ in the navigation menu on the top right of the screen.
A panel will appear at the top of the page.
There are 3 transaction types, move money, pay a bill and pay a new beneficiary. The default selection is ‘move money’, change this to ‘Pay a New Beneficiary’
You are now in the ‘Manage’ section (You will see that it has turned red in the top menu) and are given the option to create a new bill or beneficiary.
To set up a new account, select ‘ A New Payee’ at the top of the page
Enter the required details and click continue.
The confirmation dialog box will pop up on your screen. Simply enter the requested digits from your PAC and click confirm to authorise the new account set up.
Take a note of the activation number and call customer services to activate the beneficiary

How do I amend or remove a payee/bill?
No longer need a person on your account, or just need to edit a few details? You can do this in no time:

Click on ‘Manage’ in the navigation menu on the top right of the screen.
All your beneficiaries will be listed on the screen. As you move the mouse over each one of the options, ‘Pay, Amend, Delete’ will appear below the name of the beneficiary.
If you click ‘Amend’ the payee details will appear and you can amend or delete the details.

Common Questions for a First Time Buyer

I Have a First Time Buyer Query
First time buyers have it tough. Many don’t know their LTV from their LTI– and who can blame them? There’s so much that comes with buying a home, and so much financial mumbo jumbo out there. To help you out, we’ve answered all the top mortgage queries here. But if your query is still not answered, you can request a call back from your local mortgage coordinator below. They’ll be happy to give you any advice you need, or meet you for a relaxed chat about your options.

How do I apply for a mortgage?
A lot of good things start with a chat (just to see where you stand and to give you helpful advice). And a handy thing for you is that our advisors can meet you after hours if that suits you better – that can be before work, after work, and weekends. You’ll be taken through all your options in as much detail as you want and you’ll know exactly how you stand afterwards.

I’m self-employed and applying for a mortgage. What are the requirements?
To give you a general idea, we need to have self-employed income in place for at least three years and returns made in all three years to get average income allowable.

How much deposit do I need to fund my mortgage?
From January 2017, the Central Bank rules changed for first time buyers. From this date, first time buyers are able to borrow a maximum of 90% of the value of the property (this percentage is known as the LTV, or Loan to Value of your home). Yep, that means you’ll need a 10% deposit.

It is a good idea at this stage, to have a chat with your local mortgage coordinator who can answer any questions relevant to your situation, before you begin your application.

How much can I borrow as a first time buyer?
From January 2017, the Central Bank rules were amended. First time buyers are able to borrow a maximum of 90% of the value of the property from this date (this percentage is known as the LTV, or Loan to Value of your home). Yep, that means you’ll need a 10% deposit.

The Central bank rules also state that first-time buyers can borrow up to 3.5 times their income (this is known as your Loan-to-Income ratio, or your LTI).

How many years do I need to have a clean credit score for before applying for a mortgage?
If you want to make your mortgage application, your lender will look at your credit rating among other factors. If you have had a bad credit score in the past, it can take up to five years or the Irish Credit Bureau to remove this, after the loan has closed. You can check your credit score on www.icb.ie.

Myself and my partner have two children. How much disposable income will I require after mortgage repayments are made?

As a general guide, a married couple with two children would need to have €2,550 per month after their mortgage and any other loans are paid monthly. But every case is unique so it is a good idea to have a chat with your local mortgage advisor.

What documents do I need to bring to my mortgage application?

Before you make your application, it’s a good idea to have a relaxed chat with your mortgage coordinator so they can make sure you’re ready. But if you do feel confident that you have everything in line, and would like to make the application, we’ve put together a list of the items;that we would require from you for your mortgage meeting. You can also download a mortgage application checklist here (handy!).

(1) Certificate of Income completed by employer

(2) Most recent P60

(3) 3 Recent Payslips if paid monthly, 6 payslips if paid fortnightly and 8 payslips if paid weekly covering the previous 3 month period

(4) 3 Years signed Audited/Certified Accounts for Self Employed Business

(5) 3 Years Form 11/ Notice of Assessment from Revenue Commissioners for Self Employed Business

(6) Accountants Confirmation that Tax Affairs are up to date

(7) 6 Months Personal Current Account Statements

(8) 6 months statements for any borrowings

(9) 12 Months Business Current Account Statements for Self Employed Business

(10) 6 Months Statements of any personal savings accounts

(11) Completed Home loan Application Form

(12) Personal ID for both applicants (Drivers Licence or Passport that we can take a photocopy of)

(13) Address verification e.g. electricity bill or any other utilities bill

(14) Proof of Personal Public Service Number (PPSN) or Tax Reference Number (TRN) for both applicants. You will need to provide us with an original or electronic version (for example, a PDF or photo) of a document showing your PPSN / TRN and full name. For a full list of acceptable documents and more information on how to provide it, please see www.ebs.ie/ccr or visit your local EBS office.

I am interested in applying for a mortgage for a property outside of Ireland. How can EBS help?
Unfortunately, EBS does not lend money for properties outside of Ireland. Sorry we cannot be of more help to you at this time.

Regulatory Information

Home Mortgages General and Regulatory Information

Common questions about registration

Need to set yourself up on our online banking system? It’ll make your money management (and your life) that bit easier. Here are all the most common questions about setting up your online access (we’re glad you asked).

How do I register for online banking?
Online banking with EBS is a handy way to manage your money. All you need to do is fill out a form, send it to us by post, and Bob’s your uncle.

The first step is to complete the application form. Click here to open the form. Please note before signing you need to confirm that you have read and accepted

(a) the terms and conditions of internet banking
(b) our data Protection Information and the
(c) EBS Privacy Policy.

If the second window doesn’t appear after you have clicked ‘print’ you may have to check your browser pop up settings as a pop up blocker will prevent the window opening.

Post the printed form to us here at EBS Internet Applications, and we’ll have you up and running as quick as we can (psst - the address can be found at the top of the form).

How long does it take before I have access to my accounts online?
Hang on to your hat; it should take roughly one week for you to receive your new online banking codes (i.e. from the date you posted the completed form). We’ll send you two key numbers which you can use to access your accounts online:

The first is your Customer ID, which you’ll receive by post. If you supplied us with an email you’ll receive it in your inbox too.
The second magic number is your PAC code (Personal Access Code), which we’ll send to you separately by post.

Can I change my Customer ID and /or my PAC?
We want to keep your account safe as can be, so for security reasons, you can’t change your customer ID or PAC to one of your choice (it’s for the best, honest).

I’ve forgotten my Personal Access Code (PAC) and/or Registration Number (oops). What do I do?
Don’t worry, no need for panic stations. Just contact the EBS Internet Support team at (+353 1) 665 8075, who will sort you out with a new code.

You can also mail the team at info@mail.ebs.ie, or if you’re in the neighbourhood, pop into one of our local offices to request a new one.

I clicked on ‘Online Banking’ on the EBS website and a blank page appeared in my browser, what should I do?
EBS Your accounts online is designed to give you the best possible user experience across a range of popular browsers and operating systems. We have tested the site across a multitude of browsers and noted that in some instances (dependant on browser settings) users of Internet Explorer 11 may see a blank webpage when they click on the link for online banking. Users who experience this should simply reload/ refresh the page and it will appear correctly in their browser. Pressing ‘F5’ on your keyboard will refresh the page or alternatively you will see a circular arrow symbol in the address bar which will refresh the page. We are working to resolve this issue and hope to have it fixed soon.

I have a mobile phone and a landline, what telephone number do I use to login?
Good news, you can use either. To keep things simple you can enter the last 4 digits of any telephone number you have registered with us (you can have up to 3). If it’s been a while since you registered with us and you aren’t sure of the number you provided then just give us a buzz on (+353 1) 665 8075 and we’ll be happy to refresh your memory.

Common questions on viewing your accounts online

How do I view my transactions online?
Just follow these simple steps:

When you login to your account online, the first page that is displayed is 'My Account'. Here you’ll see a summary of all your internet registered accounts.
You can hover over the list of accounts on the left hand side of the page, and select the one you want to view (if you have more than one, that is).
When you login the transactions for the first account listed are displayed, you'll see that we've highlighted the account to make it a bit clearer. If you want to see transactions for another account just click on it in the left hand menu.

How do I filter my transactions?
Some transactions are just that bit more important than others. So, if you want to see the summary of just one transaction type or a small selection, you can view these separately.

Accounts are listed on the left hand side of the screen, beside the name of the account you will see an arrow head '>', click on this icon.
A flyout menu will appear.
Tick the box beside the transactions you want to look at.
If you change your mind you can just click on the box a 2^nd time and the tick will disappear.
If you want to see all the transactions again all you need to do is remove the ticks and you are back to square one.

How do I use ‘Multiple accounts view’?
You can view up to three different accounts at a time – a handy feature to get a quick overview of your money. This feature allows you to view transactions from up to three different accounts, too (all in date order).

Simply click the ‘Enable Multiple Accounts view’ option, you'll see this below your list of accounts on the left hand side of the page. Select up to 3 accounts and the transactions will be listed on the screen.
You might notice that a column appears to the right – this indicates which account the transaction relates to.

Psst – if you decide you want to complete a transaction on an account, you will need to deselect ‘Multiple accounts view.’

Where can I see my account IBAN?
Need your IBAN? Select ‘Manage’ from the menu on the top right of your screen, your accounts will be listed. Click on the relevant account and the IBAN will be displayed on the screen.

How do I request an interest certificate?
You can also request an interest certificate to see how much you’ve built up or paid over time. Just follow these steps to view your online document:

Select ‘Manage’ from the menu on the top right of your screen. Then just choose the account in question.
Once you’ve selected this, you’ll see an option to ‘Request an interest certificate’, you can see your interest for a full year or you can specify a date range too. Now all you need to do is hit ‘Calculate’.

How do I add or remove an account from my online banking profile?
Easy as pie.

Go to ‘Manage’ in the navigation menu on the top right of the screen.
Then, click on ‘My Accounts’ in the left-hand menu.
Click on either ‘Add/ Remove Account from Online View’ as required.
Complete the form and hit submit. Done and dusted.

How do I update my email address?
Not happy with your email address? No worries – we’ve all been there! It can be changed in a tick.

Select ‘Manage’ from the menu on the top right of your screen and then select ‘Personal Details’ on the left menu. You will then be able to update your email to something more fitting, (or memorable). Phew.

I clicked on ‘Print’ but the document didn’t open?
This could be due to your Popup Settings. Popups are widely used for internet advertising, whereby a new browser window appears on your screen containing an ad. Web browsers allow you to block popups and this blocker will prevent the document you want to print from opening. When you select ‘print’ some browsers, like Chrome, will display a message in the address bar to tell you that popups are blocked on this webpage. If you click on the message it will allow you to change your setting for online banking. Alternatively you can change it in your browser settings.

Common questions about login

How do I login to the new Online Banking service?
If you’re already a registered user of EBS Your Accounts Online then don’t worry, there’s no need to register again, you can login using your existing Customer ID and PAC.

There is one small change to how you login, you’ll now be asked for the last 4 digits of your telephone number. At EBS we like to keep things simple so you can use any of the three telephone numbers that you have registered with us. If it’s been a while since you registered (or updated your details) and you aren’t sure which telephone numbers you gave us then just give us a buzz on (+353 1) 665 8075 and we’ll be happy to help.

I have a mobile phone and a landline, what telephone number do I use to login?

Good news, you can use either. To keep things simple you can enter the last 4 digits of any telephone number you have registered with us (you can have up to 3). If it’s been a while since you registered with us and you aren’t sure of the number you provided then just give us a buzz on (+353 1) 665 8075 and we’ll be happy to refresh your memory

The first is your Customer ID, which you’ll receive by post. If you supplied us with an email you’ll receive it in your inbox too.
The second magic number is your PAC code (Personal Access Code), which we’ll send to you separately by post.

You can also mail the team at info@mail.ebs.ie, or if you’re in the neighbourhood, pop into one of our local offices to request a new one.

Common questions about technical issues

I’m having trouble accessing your accounts online, what should I do?

We suggest the following-

Ensure JavaScript is enabled
JavaScript is a programming language that is run by most modern browsers. Online banking requires that JavaScript is enabled in your browser in order to use the site. Check your browser settings to ensure it is enabled.

Ensure ‘cookies’ are enabled
EBS uses cookies to enhance your browsing experience and to create a secure and effective website for our customer. Click here to find out more about the EBS Privacy and Cookies policy. You can check if cookies are enabled in your browser settings.

Check your cache is empty
Internet browsers try to do their part to speed up the loading process for webpages. The first time you visit a site, the browser will save pieces of the site to it’s ‘cache’. When you revisit the webpage the browser can then load the saved files much faster than it can pull fresh files from a server. These files in the cache may cause a conflict and deny you access to the site so if you are having trouble try emptying your cache.

Disable Add Ons.
Add Ons and plugins can sometimes interfere with your browsers functionality causing problems logging in. In some cases these must be disabled in order to login.

What internet browser and display settings are recommended for Online Banking?
EBS Your accounts online is designed to give you the best possible user experience across a range of popular browsers and operating systems. We recommend the latest versions of the following browsers.

Chrome
Firefox
IE
Safari

Other Settings
EBS recommends that your browser is enabled to support:
128 bit encryption
Cookies
Cascading Style Sheets (CSS) 2

Display Settings
EBS recommends that customers view Online Banking with a screen resolution of 1024 x 768, or higher, with 16 bits colour depth.

I clicked on ‘Print’ but the document didn’t open?
This could be due to your Popup Settings. Popups are widely used for internet advertising, whereby a new browser window appears on your screen containing an ad. Web browsers allow you to block popups and this blocker will prevent the document you want to print from opening. When you select ‘print’ some browsers, like Chrome, will display a message in the address bar to tell you that popups are blocked on the this webpage. If you click on the message it will allow you to change your setting for online banking. Alternatively you can change it in your browser settings.

Need to talk to us? Call 1850 654 321

I'm interested in..

I am thinking about..

Common questions about transfers and payments

Common Questions for a First Time Buyer

Regulatory Information

Common questions for an existing EBS mortgage holder

Regulatory Information

Common questions about registration

Common questions on viewing your accounts online

Common questions about Daily Banking

Common questions about technical issues