Activate Visa Debit Card

Bank of Ireland: Linda

We are happy to announce that 1 million Visa Debit cards have now issued.

We would like to remind all customers who have received their Visa Debit cards to activate their card as soon as possible. Your current Laser/ATM card will be deactivated after 2 months of the Visa Debit card being issued.

Thank you to all the customers that have given us feedback on this forum.

Again just to remind all customers to activate their Visa Debit card to avoid any issues.

Please see here as to why you may not have received your Visa Debit card.

Thanks
Linda

Paddy De Plasterer

what is the purpose of it - whats changed. Is it to get money out of account straight away rather than wait a month?

And what if there is not funds actually in the current account ?

Bank of Ireland: Laura

Hi Paddy De Plasterer.

Thanks for your query.

Bank of Ireland: Billy wrote: »

All Laser Cards are being replaced with Visa Debit and the rollout is on schedule and should be completed by the end of September. The reason we are changing to Visa Debit is that they offer more functionality than Laser which includes:

Greater worldwide acceptance
Wider online acceptance
Greater convenience when you shop
Verified by Visa – great security online
Greater consumer protection
Contactless payments

When the Visa Debit card is used, the funds will be debited from your account straight away. If there are no funds in your account and you do not have an overdraft facility in place, your purchase may be declined.

Hope this helps.
Laura

Paddy De Plasterer

Bank of Ireland: Laura wrote: »

Hi Paddy De Plasterer.

Thanks for your query.



When the Visa Debit card is used, the funds will be debited from your account straight away. If there are no funds in your account and you do not have an overdraft facility in place, your purchase may be declined.

Hope this helps.
Laura

so i am correct, real reason is to remove the month's credit facility, true ?

Paddy De Plasterer

and by the way, is BOI Mastercard affected the same way ?

Cushie Butterfield

Paddy De Plasterer wrote: »

so i am correct, real reason is to remove the month's credit facility, true ?

There was never a months credit facility on Laser cards - the funds were debited from your current account straight away or within a day or two. You may be confusing debit cards with credit cards.

The Laser (debit) card is just being replaced with a different brand of debit card (visa Debit) - it works the same as a Laser. Basically, (apart from being able to use it in many more places than you could use the Laser) it makes no real major difference to your day to day banking - it's just a card with a different colour & design that you will be using. The money has to be in your current account in order for the payment to be processed, just like it did with your Laser card.

Credit cards (no matter if they're Visa or Mastercard are a completely different form of payment to Debit cards. The amount of your purchase has to be less than your available credit & under your credit limit in order for the payment to be processed. Using a Visa Debit card has no effect on your Credit card, or the way it operates.

Bank of Ireland: Pat

Hi Paddy,

Cushie Butterfield is correct. The Visa Debit card is just a replacement for your Laser card. There isn't a credit facility built into the card. You would need to have an overdraft facility on your current account to avail of credit.

As mentioned above, credit cards and debit cards would work in completely different ways. With a Bank of Ireland MasterCard or Visa Credit Card you would have an assigned credit limit. You can make purchases and cash withdrawals up to your credit limit. You would then have to make a minimum payment each month toward your outstanding balance.

With your Visa Debit card you need to have the funds available in your account brfore you make a purchase or withdrawal.

I hope this helps clarify things.

Thanks
Pat

Paddy De Plasterer

what happens my old visa cards, are they not cancelled when i activate new debit card, they had one month facility. i never had a laser card, but i got new visa debit one.

Bank of Ireland: Tara

Hi Paddy De Plasterer,

If your old visa cards are in fact credit cards, they are not connected in anyway to the new Visa Debit card. Activating your Visa Debit card will not affect your credit card account in anyway.

A Visa Debit card is connected to your current account, and you can use it to transact up to the available funds in your current account. If you previously held an ATM only card on your current account, it may have been upgraded to a Visa Debit card. If you contact your branch a representative will be happy to clarify this for you. Contact details for your branch can be found here.

Hope this helps.
Tara

Paddy De Plasterer

ok Thanks. I was under impression that new Visa debit card when activated, would replace my old Via and Mastercard credit cards.

kleefarr

Are these paywave cards?

Bank of Ireland: Pat

Hi kleefarr,

Thanks for your query. That's correct, 'payWave' is what Visa call the product. If you have any further questions feel free to ask.

Thanks
Pat

kleefarr

What's the best way to deactivate it? It's a bit easy to have it scanned and cloned.

http://www.youtube.com/watch?v=MAyPH9jyBV0

Bank of Ireland: Pat

Hi kleefarr,

If you've received a Contactless Visa Debit card and you would prefer one without this functionality. Please contact your branch and they will be able to issue you out replacement Visa Debit card that cannot make contactless transactions.

Thanks
Pat

kleefarr

Ok, many thanks.

Davy1719

How safe is the contactless feature on the visa debit card, can people get your details from it with out you knowing it

Bank of Ireland: Pat

Hi Davy1719,

Thanks for your query. We've had previous questions regarding the security of the card. You can find the conversation here.

Thanks
Pat

Davy1719

Bank of Ireland: Pat wrote: »

Hi Davy1719,

Thanks for your query. We've had previous questions regarding the security of the card. You can find the conversation here.

Thanks
Pat

I didn't see where it said if anyone can swipe the card without you knowing it and have access to your account

Bank of Ireland: Billy

Hi Davy1719,

Our contactless cards include the latest security features and the protection of our customers' data and card security is a primary concern to us. .

The Visa Ireland website has a lot of information about security. You can access the site here

If someone was to swipe your card without you knowing it, your branch would initiate an investigation.

Thanks

Billy

Davy1719

Bank of Ireland: Billy wrote: »

Hi Davy1719,

Our contactless cards include the latest security features and the protection of our customers' data and card security is a primary concern to us. .

The Visa Ireland website has a lot of information about security. You can access the site here

If someone was to swipe your card without you knowing it, your branch would initiate an investigation.

Thanks

Billy

Thanks Billy for that information

migualo

Is there any fee for activating the Visa Debit card I just received?

Bank of Ireland: Billy

Hi migualo,

Thanks for the post.

There is no charge for activating your Visa Debit Card.

Thanks

Billy