How to Log On to Online Banking: AIB, BOI, PTSB Guide

Logging into online banking should take thirty seconds, not thirty minutes of frustrated clicking. If you’ve found yourself staring at an error screen instead of your account balance, you’re not alone — and in most cases, the fix is simpler than you think. This guide walks through the exact login steps for AIB, Bank of Ireland, and PTSB, plus what to do when the bank itself is the problem.

AIB Registration Steps: 3 ·
PTSB Open24 Access: 24/7 ·
Bank of Ireland Availability: 365 days/year ·
Top Irish Banks Covered: AIB, PTSB, Bank of Ireland

The table below consolidates key contact details and access windows for the three major Irish banks covered in this guide.

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

Most login failures fall into three buckets: wrong credentials, browser settings, or account-specific blocks. Before assuming the worst, work through each one — the bank may not be the culprit.

Check your login credentials

AIB requires four pieces of information for internet banking: your User ID, Passphrase, Digipass code, and a one-time code (OTC). If any one of these is wrong or out of sync, the login fails silently rather than telling you which element failed. Bank of Ireland’s 365 Online uses a User ID and password, with the option to retrieve a forgotten User ID through the help portal.

• Verify your User ID — AIB sends this by post when you register
• Check that your Digipass device is producing a current OTC
• Bank of Ireland allows User ID retrieval at Bank of Ireland Help Centre

Browser and device compatibility

AIB officially recommends Internet Explorer for its business internet banking platform, though modern alternatives like Chrome and Firefox generally work for personal accounts. If you’re seeing an IB02 error, AIB’s technical help page recommends enabling JavaScript, not saving passwords in the browser, emptying your cache, and disabling browser add-ons.

• Enable JavaScript — required for AIB logins
• Clear cache and cookies before attempting to log in
• Disable password managers for the bank’s login page
• Try a different browser if the first attempt fails

Account activation status

New customers sometimes try to log in before completing registration. AIB requires a three-step process: call AIB to start, complete the online setup, and configure Strong Customer Authentication (SCA) before accessing accounts.

How to log into AIB online banking

AIB separates its login process into two tracks: existing customers who are already registered, and new users who need to set up access from scratch. Here’s how each works.

Register for AIB Internet Banking

New to AIB internet banking? The registration requires a phone call to get started. AIB does not offer fully self-service online registration — you must initiate the process by calling +353 1 6600311 (Ireland), +44 289 034 6034 (Northern Ireland), or 0345 600 5204 (Great Britain). Once your identity is verified, you’ll receive your User ID by post and can complete setup online at AIB Internet Banking.

Complete SCA setup

Strong Customer Authentication adds a second layer of security. After your first successful login, AIB prompts you to register a phone number for SMS codes or to set up the AIB Mobile Banking app as your authentication device. Without completing SCA, you’ll be locked out of most transactions.

Access via app or web

AIB offers both a web portal and a dedicated mobile app. The web portal works at aib.ie/ways-to-bank/internet-banking. The mobile app is available for iOS and Android, but requires SCA enrollment before first use. If you’re switching phones or reinstalling the app, you’ll need to re-enrol for SCA — AIB’s mobile troubleshooting page walks through the steps.

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

Bank of Ireland’s 365 Online platform operates around the clock, 365 days a year — but scheduled maintenance and occasional outages can interrupt access. Here’s how to log in and what to do when you can’t.

Access digital banking portal

Bank of Ireland’s primary login page for personal digital banking is personalbanking.bankofireland.com/ways-to-bank/digital-banking. Use your existing User ID and password to sign in. If you’ve forgotten your password, the portal offers a self-service reset through your registered email or phone.

24/7 login availability

Bank of Ireland emphasises that 365 Online is accessible any time, including weekends and bank holidays. However, this availability applies to the login portal itself — processing times for payments depend on cut-off times and holidays.

Troubleshoot access issues

Bank of Ireland resolved a widespread outage affecting both the 365 Online portal and its mobile app on 13 October 2025. “The app and 365 Online are working normally again,” a bank spokesperson said in a statement reported by The Irish Times. “We apologise to customers for the inconvenience earlier today.” A previous outage also affected the service in May. The bank maintains a help centre listing top queries including online banking support, User ID retrieval, and payment limits.

• Check Bank of Ireland UK Service Status for real-time updates
• Use Downdetector Ireland to see if other users are experiencing issues
• Retrieve your User ID at the Bank of Ireland Help Centre

Why can’t I access my bank account online?

If the bank’s website loads but your account doesn’t show the right information, the issue may not be your login — it could be a service outage, a visibility problem, or a security block on your account.

Service outages

Bank of Ireland experienced a significant outage on 13 October 2025, with both the 365 Online portal and mobile app affected. The bank issued an apology and confirmed services were restored by Monday afternoon. Bank of Ireland also publishes scheduled maintenance windows, with the next confirmed window on 26 April 2026 from 2am to 8am. AIB does not publish a public maintenance schedule, but real-time outage tracking is available through Downdetector.

Account visibility problems

Sometimes you can log in successfully but certain accounts don’t appear. This typically happens if you have multiple accounts registered under different customer numbers, or if an account is new and still being processed in the bank’s system. Contact the bank’s support team — AIB’s Head Office number is +353 1 6600311 — to verify that all your accounts are linked to the same online profile.

Security blocks

Banks automatically block accounts that show suspicious activity or repeated failed login attempts. If you’ve entered the wrong password multiple times, your online access may be temporarily suspended as a security measure. Bank of Ireland’s Help Centre lists common top queries related to account security and access limits. AIB’s troubleshooting page for mobile banking notes that phones unable to update their OS should avoid online banking altogether.

How do I open a PTSB account online?

Permanent TSB operates its online banking through the Open24 platform, which is available 24 hours a day, 7 days a week. Here’s how to get started and how to log in once you have an account.

Register for Open24

PTSB allows new customers to apply for certain account types online through www.ptsb.ie/everyday-banking/ways-to-bank/online-banking. The process requires identity verification, which may involve uploading identification documents. Once your application is approved, you’ll receive your Open24 login credentials by post or through a secure channel.

Apply for savings accounts

PTSB’s online application process covers both current accounts and savings products. You can manage these accounts once registered in Open24, including setting up standing orders, viewing statements, and making transfers. The bank’s online portal supports account management without requiring a branch visit.

Login at open24.ie

Existing Open24 customers can access their accounts at open24.ie/online/login. The service is available around the clock for viewing balances, making payments, and managing account settings. If you encounter login issues, PTSB’s help resources cover common problems including forgotten passwords and browser compatibility.

The implication: PTSB’s fully online account opening sets it apart from AIB, which requires a phone call to start registration.

How to log into Irish online banking: step-by-step

Here are the core login processes for each major Irish bank, distilled to the essential steps.

AIB Internet Banking

1. Go to aib.ie/ways-to-bank/internet-banking
2. Enter your User ID
3. Enter your Passphrase
4. Generate a code from your Digipass device
5. Enter the one-time code (OTC) from your Digipass or SMS
6. Complete SCA if prompted (first-time setup)

Bank of Ireland 365 Online

1. Go to personalbanking.bankofireland.com/ways-to-bank/digital-banking
2. Enter your User ID
3. Enter your password
4. Complete two-factor authentication if enabled

PTSB Open24

1. Go to open24.ie/online/login
2. Enter your Open24 ID
3. Enter your password
4. Authenticate via your registered device

“The app and 365 Online are working normally again. We apologise to customers for the inconvenience earlier today.”

— Bank of Ireland spokesperson, The Irish Times, 13 October 2025

“For lost or stolen phones, or if you’ve changed your number, you will need to download the app again and re-register your mobile number with us for Secure Phone Banking.”

— AIB Mobile Banking support, AIB Mobile Banking troubleshooting

Bank of Ireland’s quick recovery from its October 2025 outage shows that the bank’s incident response teams can restore service within hours. For customers, the lesson is practical: before panicking about a forgotten password or locked account, check whether the bank has a known service issue. The Bank of Ireland UK Service Status page publishes both planned maintenance and live incidents, making it a first-stop resource before contacting support.

Related reading: Troubleshooting online login issues

Many Irish customers cross-check our official fixes against the AIB, BOI and PTSB login guide which highlights common quirks across these banks’ portals.

Frequently asked questions