How to Log In to Online Banking for AIB, BOI & PTSB

Logging into online banking shouldn’t feel like solving a puzzle. If you bank with AIB, Bank of Ireland, or PTSB, you’ve probably noticed each one has its own login page, its own quirks, and its own way of handling security details. This guide cuts through that complexity, walking you through the exact steps for each major Irish bank and sorting out the typical login headaches along the way.

AIB Registration Steps: 3 · PTSB Platform Name: Open24 Online Banking · Bank of Ireland Service: 365 online · EBS Browser Notice: Upgrade to Chrome, Firefox, Safari or IE9+ · 365 Online Requirement: Javascript enabled

The following table outlines key service details for Ireland’s major online banking platforms.

How to log into AIB online banking?

AIB Internet Banking follows a three-step registration process. You must call AIB’s dedicated line to receive your registration details before you can log in for the first time.

Register for AIB Internet Banking

To register, call 0818 724 020 (lines open during branch hours). AIB staff will walk you through identity verification and provide two pieces of information: your registration number and your PAC (personal access code). Keep these safe — you’ll need both to complete your first sign-in.

After receiving your credentials, visit AIB’s Internet Banking page and enter your registration number. You’ll then be prompted to create your own sign-in details, including a username and password you’ll use going forward.

Complete SCA setup

Strong Customer Authentication (SCA) adds an extra layer of security to your account. During your first login, AIB will prompt you to set this up. For certain transactions — such as setting up new payees or making large transfers — you’ll need your AIB card reader to generate a one-time code.

AIB offers Apple Pay, Google Pay, and Fitbit Pay for contactless mobile payments (Bonkers.ie Consumer Guide). Once SCA is active, you can manage your accounts, send money, and pay bills through the AIB app or website.

Troubleshoot AIB login issues

If your login isn’t working, first check that you’re using the correct registration number or the email address you registered with. AIB’s authentication system accepts either one. If you’ve forgotten your details, dedicated phone lines exist for password recovery and PAC resets — find them on AIB’s authentication page.

Browser issues are another common culprit. AIB recommends using Chrome, Firefox, Safari, or Internet Explorer 9 and above. Ensure Javascript is enabled in your browser settings. For Northern Ireland customers, AIB NI online services undergo maintenance nightly between 3am and 7am — plan logins outside that window (AIB NI Site).

How do I log into my Bank of Ireland account online?

Bank of Ireland’s online banking platform runs under the 365 online brand, available at personalbanking.bankofireland.com/bank/sepa/365-online/. Both new customers and existing ones can access the service through this portal.

Access 365 online

Navigate to Bank of Ireland’s 365 online portal and look for the login fields at the top of the page. Existing customers use their current 365 online credentials (customer number and password). If you’re new to the platform, the registration option sits alongside the login button — Bank of Ireland allows you to sign up directly through the same portal.

Business customers should use Business OnLine instead, which is a separate service designed for commercial accounts and corporate banking needs.

Register for 365 Online

If you don’t yet have 365 online access, click the registration link on the login page. You’ll need your Bank of Ireland account details and some personal information to verify your identity. The process is fully online — no branch visit or phone call required.

One technical requirement often overlooked: Bank of Ireland’s 365 online requires Javascript to be enabled in your browser. Without it, you won’t be able to load the banking interface properly. Most modern browsers have this on by default, but if you’ve disabled it for privacy reasons, you’ll need to enable it temporarily for Bank of Ireland’s site.

Log in to Business On Line

Bank of Ireland’s Business OnLine service is distinct from personal 365 online. It provides tools for managing multiple business accounts, initiating batch payments, and handling payroll. Access it through businessonline.bankofireland.com with your business credentials.

How do you login to your bank account online?

Most Irish online banking services follow a similar pattern: enter your customer ID or registration number, provide your password or PAC, and complete any additional security steps required by your bank.

General login process

The universal login sequence across AIB, Bank of Ireland, and PTSB looks like this: navigate to your bank’s official online banking URL, locate the login section, enter your credentials, and confirm your identity if prompted. Each bank has a slightly different credential format — AIB uses a registration number or email plus PAC, Bank of Ireland uses a customer number, and PTSB uses an Open24 number.

Browser requirements

Modern browsers are essential for online banking. Your bank will block access from outdated browsers that no longer receive security updates. AIB recommends Chrome, Firefox, Safari, or IE9+ (Bonkers.ie Consumer Guide). Bank of Ireland similarly requires Javascript enabled for its 365 online platform to function.

One critical difference: PTSB’s Open24 is not accessible via mobile browsers. The mobile site m.open24.ie was withdrawn on 16 August 2019 for regulatory compliance reasons (PTSB Official Site). If you try to access Open24 from a phone browser, you’ll be redirected or blocked. PTSB’s dedicated app handles mobile banking instead.

Security details update

Online banking security isn’t a one-time setup. Banks periodically require you to update passwords, review connected devices, or re-verify your identity. AIB uses SCA with a card reader for high-risk actions; PTSB introduced “PTSB Protect” in its app to combat scams, which doesn’t require a card reader (Bonkers.ie Mobile App Analysis).

Why this matters: keeping your security details current protects you from unauthorised access. Outdated contact information or forgotten passwords can lock you out precisely when you need to move money urgently.

Why can’t I log in to my online banking?

Login failures usually fall into a handful of predictable categories. Identifying which one applies to your situation determines the fix.

Common troubleshooting steps

Start with the basics: check that you’re on the correct official website (look for the padlock icon and correct domain name). Typos in URLs are a common cause of “login not working” — you may be on a phishing lookalike or an old bookmark to a deprecated page.

Clear your browser cache and cookies, then try again. Cached session data can conflict with updated security requirements. If that doesn’t work, try a different browser or device — this helps isolate whether the issue is browser-specific.

Browser compatibility issues

Banks actively block browsers that don’t meet current security standards. If you’re using an old version of Internet Explorer, Firefox, or Chrome, your bank may refuse to load the login page entirely. Upgrade to the latest version of your preferred browser.

For PTSB specifically, the issue isn’t browser version — it’s platform. Open24 only works on desktop or laptop computers. The service is intentionally unavailable on mobile browsers to meet regulatory requirements (PTSB Official Site). If you’re trying to check your PTSB account from a phone browser, that’s your problem — download the PTSB app instead.

Security detail problems

Forgotten passwords and expired PACs are among the most frequent login blockers. Each bank provides recovery pathways: AIB has dedicated phone lines for credential reset, Bank of Ireland guides you through account recovery via its online portal, and PTSB’s support team (0818 50 24 24) handles Open24 access issues.

PTSB’s support operates 9am–5pm Monday to Friday, excluding bank holidays (PTSB Help Centre). If you’re locked out on a Saturday evening, you’re waiting until Monday for phone support — plan ahead if you know you’ll need access during a weekend.

How do I set up online banking with Permanent TSB?

Permanent TSB’s online banking platform is called Open24. Setting it up requires calling the bank with your Visa Debit card handy — there’s no fully online registration path for new customers.

Open24 Online Banking setup

The registration process starts with a phone call to 0818 502 424. You’ll need your Open24 number, which is printed on the back of your PTSB Visa Debit card. The call takes a few minutes — bank staff will verify your identity and provide a temporary password.

Your first login must happen on a desktop or laptop computer — not a mobile device. Visit the Open24 login page and enter your Open24 number, the temporary password you received by phone, and three digits of your 6-digit personal access number (PAN). You’ll then be prompted to set a permanent password.

Once registered, you can apply for savings accounts, loans, and manage cards directly through Open24. PTSB also offers Apple Pay and Google Pay through its app, though the platform’s mobile browser access remains unavailable since August 2019.

Apply for products online

Open24 allows you to open new savings accounts, apply for personal loans, and manage your existing cards without visiting a branch. The online application process is streamlined for existing customers whose identity has already been verified.

PTSB’s Explore Account carries a monthly fee of €8 (€96 per year) but offers 5 cent cashback for each debit card payment, up to €5 monthly — making it the only Irish current account that pays you to use your card (Bonkers.ie Current Account Analysis). If you use your card frequently, the cashback can offset some or all of the monthly fee.

Access help and support

If you encounter issues with Open24, call PTSB’s dedicated support line at 0818 50 24 24, available 9am–5pm Monday to Friday. Outside these hours, the self-service options through the app or website can handle basic queries like password changes and balance checks.

Compare Irish Bank Fees and Features

Three banks, three pricing structures and feature sets. Here’s what the numbers show.

The catch: AIB charges transaction fees regardless of account balance, which suits low-activity customers but costs frequent users more over the year (Honest.ie Traditional Banks Review). PTSB’s Explore Account has the highest annual fee at €96, but its 5 cent cashback per debit payment can partially offset this for regular card users.

Verified Facts and Uncertainties

“PTSB’s Explore Account is the only current account on the market that will actually pay you to use your card.”

— Bonkers.ie Consumer Guide

“AIB offers the most attractive rate for a 2-year fixed term at 3%, while Bank of Ireland and AIB lead the pack for shorter terms. PTSB falls slightly behind.”

— Lynx Financial Services advisor

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AIB customers facing hurdles with PAC codes or registration can find relief in this AIB login troubleshooting guide, packed with precise steps and fixes.

Frequently asked questions