Manage your credit card

Moved house or changed your email address? Make changes to your account without needing to pick up the phone.

Changing your username

1. Log in and select ‘Username’ from the make changes menu on the right-hand side of your screen.
2. You will then be asked to enter your current username and then a new one.
3. Once this has been changed, you can start to use your new username straight away.

Changing your password

1. Log in and select ‘Password’ from the make changes menu on the right-hand side of your screen.
2. You will then be asked to enter your current password and then a new one.
3. Once this has been changed, you can start to use your new password straight away.

Changing your email address

1. Log in and select ‘Email address’ from the ‘Make changes’ menu on the right-hand side of your screen.
2. You will then be asked to enter your current email address and then a new one.
3. Once this has been changed, you can start to use your new email address straight away.

It’s important you let us know as soon as possible that your email address has changed. If you ever forget your password we can get you back online more quickly if we know your current email address.

Changing your address

1. Enter your house number or name and your new post code, and using the Royal Mail Postal Address File, we’ll automatically fill in the rest of your address for you.
2. If your details are not recognised or are incorrect, you can manually enter your full address.
3. Any changes you make to your address online will be carried out within seven working days and will apply to any IrishSavings's Savings account or your IrishSavings's Credit Card.

   
Having problems? Get in touch

  
What is the minimum payment?

Please refer to your monthly statement for your personal minimum payment details.

How to make a payment

To make a payment off your credit card, just choose one of the easy ways below.

IrishSavings Credit Cards can now accept Faster Payments.

Online

You can use our online banking service to make a debit card payment or to set up a direct debit. You'll need to register for online servicing first.

You can also make an online payment or set up a standing order through any other bank. If you'd like to make an online payment you’ll need to provide your bank with the following information:  

• Our sort code (12-50-18) and account number (00030088).
• Your reference number, which is your 16 digit card number (it is important that this is correct).
• Please allow four working days for your payment to reach us by the payment due date.

Direct Debit

If you are registered with our online banking service, you can set up a direct debit online. Alternately you can call our Customer Service team to set up a direct debit.

You can set your direct debit for the minimum or full monthly payment. You can also choose between a fixed payment or a percentage of your balance.

To set up a Direct Debit you'll need to provide us with your bank account number and sort code.

   
By post

Simply complete the payment slip attached to the bottom of your statement, and send with a cheque to (or return in the envelope provided with your monthly statement):

IrishSavings Card Services

Make your cheque payable to the cardholder (the person whose name appears on the statement e.g. Mr James Brown) and your 16 digit card/account number – this may be different to the way you normally write a cheque. Please allow seven working days for your payment to reach us.

Important information

When making payments, please make sure you're aware of the following:

• Do not send cash in the post.
• Remember to allow extra time for your payment to reach us during Bank Holiday periods.
• There is a €12 charge if you do not make at least your minimum monthly payment by the payment due date.
• For more information about making a payment off your credit card, please see the reverse of your monthly statement, or contact our Customer Service team.

The credit card summary page provides you with an overview of your IrishSavings's Credit Card account.

Your statement

Here you can see your last card statement. Use the ‘previous page’ and ‘next page’ buttons at the bottom of the page to browse through all the transactions in this statement. You can use the ‘previous statement’ button to look at statements for previous months.

Recent transactions

Use this page to review all the transactions made on your IrishSavings's Credit Card since your last statement.

Opened an account but can’t view it?

Please use the, 'Add Account' function on your Online Banking home page.  If you are still unable to view your account please call us.

Previous Page and Next Page buttons

With these buttons you can view earlier or recent transactions (if applicable) in your statement.

Previous Statement and Next Statement buttons

These buttons let you view any previous statements up to your most recent statement.

1. Select ‘Request a balance transfer’ from the menu on your Accounts page. 
2. Simply enter the details of up to three credit card(s) and/or selected store cards and the amount you would like to transfer.
3. You’ll need to answer two security questions before you can submit your request.
4. Within the following few days, you’ll receive a written confirmation of your balance transfer (there is a 3% fee for Balance Transfers).
5. Your funds should reach the beneficiary bank account within 10 working days.

1. From the menu on your Accounts page, select 'Request an increase to your credit limit'.
2. Enter the amount you would like your new credit limit to be.
3. After answering two security questions, you can then submit your request. (Please remember that only the principal cardholder can submit online requests).
4. We will then contact you by letter within the next seven days about your credit limit request.

1. Choose 'Change statement date' from the menu on your accounts page.
2. Select when you would prefer to receive your statement during the month - week one to week four. We cannot produce statements on specific dates each month but we will try to produce your statement as close as possible to your selection. You’ll then need to answer two security questions before you submit your request. Please remember that only the principal cardholder can submit online requests.

You can add up to three additional cardholders, but they must be at least 18 years of age. They will be able to share your credit limit, but you will be responsible for all their transactions.

1. To add a cardholder, select 'Add an additional cardholder' from the menu on your Accounts page and enter their details.
2. Once you’ve answered two security questions, you can submit your request.
3. Within 10 working days, you should receive a new card in the name of the additional cardholder at your home address.

We can only set your Direct Debit online for your minimum monthly payment. We can, however, arrange to set up a Direct Debit for your total outstanding balance, a fixed amount, or a percentage of your balance.   

The quickest way to do this, is to call us.  You can also complete this Direct Debit Mandate and send it to:

IrishSavings


When you are completing the Direct Debit Mandate, please use the following Originator's Identification Number:

• Gold Card – 800316
• Any other Card Type - 800293

You will need to continue to make manual monthly payments until a message appears on your monthly statement telling you that your payments will be collected by Direct Debit.  We will collect your full monthly payment using this method, every month, even if you make additional payments, or a credit/refund is applied to your account.

You can advise us of your new bank/building society account details, or change the amount that you pay.

Change of bank/building society

You can advise us online of your new bank/building society account details, or change the account from which you make payments.

1. Enter the account number and sort code of your bank/building society account.
2. Enter the name and address of your bank/building society.
3. Answer two security questions and click ‘next’.
4. We’ll contact you as soon as we’ve made these changes.

Change of amount

You can choose to pay your total outstanding balance, a fixed amount, or a percentage of your balance.

The quickest way to do this, is to call us.  You can also complete this Direct Debit Mandate and send it to:

IrishSavings


When you are completing the Direct Debit Mandate, please use the following Originator's Identification Number:

• Gold Card – 800316
• Any other Card Type - 800293

We will collect your full  monthly payment using this method, every month, even if you make additional payments, or a credit/refund is applied to your account.

You will need to call our Customer Service team, who will issue you with a PIN reminder through the post. This will take up to four working days.

Remember: You can change your PIN to something more memorable at any ATM using the PIN services options and selecting ‘Change PIN'. Avoid using weak PINS such as 1111 or 1234 and avoid birthdays. Use a different anniversary or you can choose the same number as your other card if that is easier to remember.

   
Nectar points on purchases

Every time you shop with your IrishSavings Nectar Credit Card or IrishSavings Gold Credit Card we'll give you 2 Nectar points for every €1 you spend. That's doubling your Nectar points on every IrishSavings shop when you swipe your Nectar card.

Not receiving any Nectar points?

There could be a number of reasons for this:

• Your Nectar card must be linked to your credit card; call the Customer Service team to do this.
• You cannot earn Nectar points on balance transfers or cash withdrawals.
• Not all cards are eligible for points. To find out if you can collect Nectar points on your card, please call the Customer Service team.