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If you close your current account do you loose access to 365online?

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  • 25-08-2020 8:39pm
    #1
    Champ
    Registered Users Posts: 677 ✭✭✭


    Hi,

    I have 365online for a BOI current account and a BOI credit card (good for viewing balances and tracking expenses).

    If I close the current account do I loose access to the online banking and hence won't be able to manage my card online?


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    #2
    Bank of Ireland: Eve
    Closed Accounts Posts: 309 ✭✭Bank of Ireland: Eve


    Hi Champ, thanks for getting in touch with us here on Boards.ie. 

    If you close your current account then you would usually lose access to your Banking 365 profile. 

    It would be necessary to have a current account in order to have a Banking 365 profile. 

    If you’re looking to close your current account and wanting to keep your credit card you’d certainly be able to register for Card Care. 

    Card Care is our online service for credit cards only and so you’d still be able to manage your card online. 

    You can register for Card Care through the Bank of Ireland website. I’ve provided a link below to where you can register, I hope that it helps. 

    https://bit.ly/3lgsEMa 

    I hope that this information helps. Please feel free to get back in touch with us here if there’s anything else we can help you with. 

    Thanks, Eve 


  • Options
    #3
    Cina
    Registered Users Posts: 2,387 ✭✭✭Cina


    Can you confirm if this is also the case if I want to close my current account but keep my savings account?


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    #4
    Bank of Ireland: Eve
    Closed Accounts Posts: 309 ✭✭Bank of Ireland: Eve


    Hi Cina, thanks for your post here. 

    If your savings account is a Demand Deposit Account then you should still be able to access this account on Banking 365, even without a Current Account. 

    If you have any other savings account linked to your Banking 365 profile to view then you would no longer to able to view this account online if you no longer have a Current Account registered online. 

    I hope that this information helps. If you’ve any further queries please don’t feel free to get back in touch with us here, we’ll certainly help as best we can. 

    Thanks, Eve 


  • Options
    #5
    1dave123
    Registered Users Posts: 71 ✭✭1dave123


    Hi there 

    I have a BOI demand a/c, a BOI current a/c and two BOI Goalsaver a/cs.

    When I close my current a/c I will still have 365online access (based on the reply above) - but will I still be able to withdraw funds from the Goalsaver A/cs to my BOI demand a.c via 365 online.  It is something I can do currently. 

    Many thanks


  • Options
    #6
    Maz2016
    Registered Users Posts: 1,112 ✭✭✭Maz2016


    Hi there. The new EUR6 charge per month from November, is that only for current accounts? I have a demand savings account too. Will I pay 6 euro in total or 6 each?


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    #7
    1dave123
    Registered Users Posts: 71 ✭✭1dave123


    Maz2016 wrote: »
    Hi there. The new EUR6 charge per month from November, is that only for current accounts? I have a demand savings account too. Will I pay 6 euro in total or 6 each?
    Only personal current accounts are impacted by the new fees. Demand Savings Accounts are not affected. Cheers


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    #8
    Bank of Ireland: Richard F
    Closed Accounts Posts: 483 ✭✭Bank of Ireland: Richard F


    1dave123 wrote: »
    Hi there 

    I have a BOI demand a/c, a BOI current a/c and two BOI Goalsaver a/cs.

    When I close my current a/c I will still have 365online access (based on the reply above) - but will I still be able to withdraw funds from the Goalsaver A/cs to my BOI demand a.c via 365 online.  It is something I can do currently. 

    Many thanks
    Hi 1Dave123,

    We're just going to check this with our savings account team for you. We'll be back to you with an update as soon as possible. We have responded to your query in your other thread.

    Thanks,
    Richard


  • Options
    #9
    Bank of Ireland: Richard F
    Closed Accounts Posts: 483 ✭✭Bank of Ireland: Richard F


    Maz2016 wrote: »
    Hi there. The new EUR6 charge per month from November, is that only for current accounts? I have a demand savings account too. Will I pay 6 euro in total or 6 each?
    Hi Maz2016,

    Thanks for your question today.

    1Dave123 is correct, this new fee is only applicable to personal current accounts. We hope this information helps. Have a nice day.

    Thanks,
    Richard


  • Options
    #10
    Champ
    Registered Users Posts: 677 ✭✭✭Champ


    Hi,

    Okay so I currently have the following set up on my 365online:
    (1) Current Account
    (2) Credit Card

    Let's say I open up a demand deposit account:
    https://personalbanking.bankofireland.com/save-and-invest/savings/instant-access-and-notice-accounts/demand-deposit-account/features-and-benefits/

    I will then have this on my 365online:
    (1) Current Account
    (2) Credit Card
    (3) Demand deposit account

    If I do this then:
    (1) Current Account
    (1) Credit Card
    (2) Demand deposit account

    Will I still have full access to 365online as follows:
    (1) Make transfers to my already defined payees 
    (2) Make mobile phone top-ups


  • Options
    #11
    Bank of Ireland: Richard F
    Closed Accounts Posts: 483 ✭✭Bank of Ireland: Richard F


    Bank of Ireland: Richard F wrote: »
    1dave123 wrote: »
    Hi there 

    I have a BOI demand a/c, a BOI current a/c and two BOI Goalsaver a/cs.

    When I close my current a/c I will still have 365online access (based on the reply above) - but will I still be able to withdraw funds from the Goalsaver A/cs to my BOI demand a.c via 365 online.  It is something I can do currently. 

    Many thanks
    Hi 1Dave123,

    We're just going to check this with our savings account team for you. We'll be back to you with an update as soon as possible. We have responded to your query in your other thread.

    Thanks,
    Richard
    Hi 1Dave123,

    We appreciate your patience. If you close your account, and log in on 365online.com and select "service desk" > "ask a question", our colleagues will be able to cancel this direct debit once your current account is closed off. We hope this helps.

    Thanks,
    Richard


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    #12
    Bank of Ireland: Richard F
    Closed Accounts Posts: 483 ✭✭Bank of Ireland: Richard F


    Champ wrote: »
    Hi,

    Okay so I currently have the following set up on my 365online:
    (1) Current Account
    (2) Credit Card

    Let's say I open up a demand deposit account:
    https://personalbanking.bankofireland.com/save-and-invest/savings/instant-access-and-notice-accounts/demand-deposit-account/features-and-benefits/

    I will then have this on my 365online:
    (1) Current Account
    (2) Credit Card
    (3) Demand deposit account

    If I do this then:
    (1) Current Account
    (1) Credit Card
    (2) Demand deposit account

    Will I still have full access to 365online as follows:
    (1) Make transfers to my already defined payees 
    (2) Make mobile phone top-ups
    Hi Champ, thanks for getting in touch with us today.

    As these accounts would be on the same profile, once these are all viewable, and you close your current account, you can continue to make transfers, and mobile top ups using 365online.com or the app. We hope this helps.

    Thanks,
    Richard


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    #13
    1dave123
    Registered Users Posts: 71 ✭✭1dave123


    Hi Richard - I may be misreading your reply either that or you are answering a different question to the one asked. Can u clarify please.

    When I close my current a/c I will still have the following a/cs with BOI

    * A Demand A/c
    * 2 x Goalsaver Acs

    The question : Will I still be able to withdraw funds from the Goalsaver A/cs into my Demand A/c via Banking365.

    Sorry if I am misunderstanding ......... but your reply is talking about cancel debits whereas my question is asking about withdrawing funds.

    Cheers 
     


  • Options
    #14
    Bank of Ireland: Richard F
    Closed Accounts Posts: 483 ✭✭Bank of Ireland: Richard F


    1dave123 wrote: »
    Hi Richard - I may be misreading your reply either that or you are answering a different question to the one asked. Can u clarify please.

    When I close my current a/c I will still have the following a/cs with BOI

    * A Demand A/c
    * 2 x Goalsaver Acs

    The question : Will I still be able to withdraw funds from the Goalsaver A/cs into my Demand A/c via Banking365.

    Sorry if I am misunderstanding ......... but your reply is talking about cancel debits whereas my question is asking about withdrawing funds.

    Cheers 
     
    Apologies 1Dave123,

    You can certainly still make withdrawals from your Goalsaver into your Demand Deposit account. We hope this clarifies your query.

    Thanks,
    Richard


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    #15
    1dave123
    Registered Users Posts: 71 ✭✭1dave123


    Bank of Ireland: Richard F wrote: »
    1dave123 wrote: »
    Hi Richard - I may be misreading your reply either that or you are answering a different question to the one asked. Can u clarify please.

    When I close my current a/c I will still have the following a/cs with BOI

    * A Demand A/c
    * 2 x Goalsaver Acs

    The question : Will I still be able to withdraw funds from the Goalsaver A/cs into my Demand A/c via Banking365.

    Sorry if I am misunderstanding ......... but your reply is talking about cancel debits whereas my question is asking about withdrawing funds.

    Cheers 
     
    Apologies 1Dave123,

    You can certainly still make withdrawals from your Goalsaver into your Demand Deposit account. We hope this clarifies your query.

    Thanks,
    Richard
    Thanks Richard - I am going to assume I can do these withdrawals via Banking365 unless you say otherwise.  All the very best 


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    #16
    ganmo
    Registered Users Posts: 7,748 ✭✭✭ganmo


    From what I see in the app I can withdraw funds from my goalsaver a/c to my boi current account. But I dont see how to set up a new beneficiary a/c


  • Options
    #17
    Bank of Ireland: Richard F
    Closed Accounts Posts: 483 ✭✭Bank of Ireland: Richard F


    ganmo wrote: »
    From what I see in the app I can withdraw funds from my goalsaver a/c to my boi current account. But I dont see how to set up a new beneficiary a/c
    Hi Ganmo,

    We have responded to your query in your other thread.

    Feel free to get back in touch if we can help with anything else.

    Thanks,
    Richard


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