Support Center

Support Center
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Woohoo Bank

Sales (Int’l)

Customer Service

Debit & credit card lost/stolen

01 211 8658

Mortgage payments (24hr line)

Arrears support

Mortgage payments (Int’l)

01 211 8666

Business Support Team

Business Internet Banking Support

24 hour debit & credit card lost/stolen

01 211 8658

Car loans FAQ
Personal loans FAQ
Home improvement loans FAQ

A car loan is a variable rate personal loan to enable you to buy a used or new car. Car loans available from €1,000 to €75,000.

Hire purchase allows you to borrow money at a fixed interest rate to buy a used or new car. The bank retains security interest over the car until all repayments have been made. The car becomes yours when all the instalments due have been made & the purchase fee has been paid. Hire purchase is available for amounts of €10,000 to €60,000.

Yes, you can apply for hire purchase for either new or used cars.

We endeavour to give you an instant decision on your car loan. Hire purchase timings will be advised when you apply. If your car loan application is referred to our lending team for review you will receive a decision within three business hours. Our business hours are 9.00 to 17.00 Monday to Friday, excluding bank holidays. Although we aim to provide you with a decision within three business hours, this may be extended for technical or other reasons. If you have provided us with your mobile phone number, we will text you once a decision is available. Once a decision is available, you can log into your WB Internet Banking and select “My Application & Documents” under the “Apply & Open” menu to view the decision.

Once we approve your loan and you request your money, we’ll send the money straight to your WB Current Account.

We endeavour to give you an instant decision on your loan. If your loan application is referred to our lending team for review you will receive a decision within three business hours. Our business hours are 9.00 to 17.00 Monday to Friday, excluding bank holidays. Although we aim to provide you with a decision within three business hours, this may be extended for technical or other reasons. If you have provided us with your mobile phone number, we will text you once a decision is available. Once a decision is available, you can log into your WB Internet Banking and select “My Application & Documents” under the “Apply & Open” menu to view the decision.

If you have a query regarding your loan application please call us on 01 211 8666 or +353 1 211 8658

Green personal loans are for customers looking to make environmentally friendly changes with their loan and you may qualify for a lower loan rate.

Once we approve your loan and you request your money, we’ll send the money straight to your WB Current Account.

Yes, we will assess your application based on your ability to make repayments on what you are borrowing. There are no restrictions on what you use the money for when it comes to your renovation plans. If some of your plans involve green home upgrades, then a green personal loan may be more suitable.

We endeavour to give you an instant decision on your loan. If your loan application is referred to our lending team for review you will receive a decision within three business hours. Our business hours are 9.00 to 17.00 Monday to Friday, excluding bank holidays. Although we aim to provide you with a decision within three business hours, this may be extended for technical or other reasons. If you have provided us with your mobile phone number, we will text you once a decision is available. Once a decision is available, you can log into your WB Internet Banking and select “My Application & Documents” under the “Apply & Open” menu to view the decision.

If you have a query regarding your loan application please call us on 1 211 8666 or +353 1 211 8658.

Once we approve your loan and you request your money, we’ll send the money straight to your WB Current Account.

Green personal loans FAQ
Online Security FAQ
Cyber Security FAQ

Borrow between €3,000 and €30,000, as long as you intend to spend 50% or more of the loan amount on something green.

You need to upload a quote or invoice of your green item to the WB app with your application

You can buy a second-hand electric vehicle with proof from a dealership.

Once we approve your loan and you request your money, we’ll send the money straight to your WB Current Account.

Fraudsters can use a range of techniques to trick you in to believing you’re speaking to someone you have known for a long time and then requesting that you send money, often under the pretence that it’s an emergency. If you receive a message out of the blue from a friend or family member asking that you send them money, it’s worth trying to contact that person via a different method. Email and social media accounts can get hacked, so it may be advisable to call or text, just to make sure it’s really them.

How To Avoid Losing Money to a Romance Scammer

Here’s the bottom line: Never send money or gifts to a sweetheart you haven’t met in person.

If you suspect a romance scam

  • Stop communicating with the person immediately.
  • Talk to someone you trust, and pay attention if your friends or family say they’re concerned about your new love interest.
  • Do a search for the type of job the person has to see if other people have heard similar stories. For example, you could do a search for “oil rig scammer” or “US Army scammer.” You can also browse the comments on our blog posts about romance scams to hear other people’s stories:
    • Faking it – scammers’ tricks to steal your heart and money
    • Has an online love interest asked you for money?
    • Romance scams will cost you
  • Do a reverse image search of the person’ profile picture to see if it’s associated with another name or with details that don’t match up – those are signs of a scam.

Text Message Fraud is a common technique used by fraudsters in an attempt to obtain your personal banking and card information for the purpose of identity theft or financial gain. The fraudsters send text messages that appear to come from your bank or from legitimate businesses in an attempt to fool you into supplying your personal details.

These text messages can appear within a genuine thread of messages and will request that you log in to a fake website or call a number.  This type of scam can be referred to as ‘Smishing’.
 
  • NEVER disclose your Registration Number or Personal Access Code (PAC) or Card information after clicking a link in a text
  • NEVER generate codes from your WB Card Reader that is requested from a test message.
  • NEVER divulge your One Time Passcode (OTP) for Card transactions.

 

NOTE:  WB may on occasion, send you product related or marketing surveys via SMS. It is important to note that these text messages will never ask you for Internet Banking log in details or personal information.

Theses scams are when an individual calls you claiming to be from the Bank, or a company providing a service and request financial and/or personal and security information.

 
  • This type of scam is referred to as ‘Vishing’, which is a combination of ‘voice’ and phishing. It is typically used to steal credit / debit card numbers or to gain access to your Internet Banking.

 

If you suspect any fraudulent activity from any call you receive, you should end the call and verify the identity of the caller using a known number.
 
If you believe that your bank details have been compromised, call the number on the back of your credit or debit card or alternatively call the official number for the branch on the WB website.
 
Some of the scams currently in circulation are where customers have received fraudulent calls claiming to:
  • Assist them with claiming a tax rebate
  • Be a law enforcement official asking them to assist with preventing a crime
  • Be a Utility Company: e.g. Telephone/Mobile phone provider, Broadband provider, Software company offering to “fix” PC or broadband problems.
  • That you have unauthorised transactions on your Card or Account
 
The callers may ask you to download an Application to give them access to your PC. They will also attempt to trick you into divulging your banking or card credentials and provide codes from your Card Reader in order to access your online banking and make fraudulent payments.
  • NEVER disclose codes from your WB Card Reader over the phone.
  • NEVER disclose the full five digits of your Personal Access Code (PAC).
 
If you have received such a call and disclosed any of your Banking details please contact us immediately

 

Investment Fraud is one way criminals can steal your money. They try to convince you to invest in a scheme, shares or commodities, which either don’t exist, or aren’t worth the money paid for them. These scams are common and are usually perpetrated through aggressive sales tactics.  They’re well organised and very convincing. Scammers will target anyone who responds to them and build trusting relationships with their victims over a period of time. Unfortunately, many of these scams are successful. There are many types of scams fraudsters use to persuade you to part with your money.

 
If somebody contacts you out of the blue by phone offering you the opportunity to invest in shares that are about to go through the roof – hang up immediately.  Do not respond to unexpected emails or click on adverts across social media or online. The criminals may have researched you and appear to know a lot about you. These criminals will do their homework and make it their business to know as much about you as possible before they contact you. They will give you details that you think only a genuine investment company would know, such as a previous investment or share information. Watch out for offers endorsed by celebrities, these endorsements are totally false.  Be cautious where the rate of return is very high and often advertised as guaranteed or risk-free.
 
These criminals will attempt to build a relationship over time. And watch out! An initial small investment may actually produce some returns before you are encouraged to invest a larger amount. If you are contacted by someone claiming to be from a well-known company, check them out independently with the company, look up the company on Google and ring the contact details on the website, not the number you have been given by the caller.
 
The caller may ask you to download software to your PC which will provide them unlimited access along with the ability take control of your PC and manipulate the images you are being shown on screen. They will say they are helping you to make a payment and will ask for login information to your WB online banking along with security codes from your card reader/Digipass. Others will request payments to be made via Debit/Credit card. Never provide one time pass codes received via SMS. NEVER give codes from your card reader/Digipass on foot of a phone call. Never provide login or card information on foot of a phone call. Some of the scams ask you to buy Bitcoin or a cryptocurrency to invest in the scheme. They will set up accounts for you within these companies. Do not provide photo ID, Proof of address without verifying the legitimacy of the caller.
 
Remember: If it sounds too good to be true, it certainly is! 
 
Always remember: 
  • Check if the company is authorised (by a financial regulator) to deal in such investments
  • Get Independent advice from a qualified financial advisor
  • Report any unsolicited contacts to An Garda Síochána / Police
  • Reject cold calls. If you have been cold-called about an investment opportunity, it is very likely that it is a high risk investment or SCAM
  • Do not respond to high pressure tactics
  • Do not divulge any of your personal or banking information prior to verifying the caller independently. If you have provided any information contact us immediately
  • Persistent emails can be marked as spam and block unwanted emails
 
If your investment turns out to be fraud, it is very unlikely that WB will be able to recoup the funds.

 

Fraudulent Emails are a common technique used by fraudsters in an attempt to obtain personal and security information for the purpose of identity theft or financial gain. The fraudsters use email messages that appear to come from financial Institutions or a legitimate businesses in an attempt to fool you in to visiting a fake website and supplying your personal banking or card details.

 
Financial Institutions are frequently targeted by these types of fraud, which are also referred to as ‘phishing’.
 
WB may on occasion, send you product related or marketing surveys via email. It is important to note that these mails will never ask you for Internet Banking log in details or personal information.
 
Fraudulent emails that are currently in circulation include:
  • Customer Record Updates: these mails advise that you will be required to provide WB with proof of identity and address; otherwise you will be unable to access your accounts from a specified timeframe
  • SCA Activation: these emails ask you to click on a website in order to activate Strong Customer Authentication to prevent your account from being locked
  • Secure Message: you will be asked to click on a message to view it.
 
The emails also include a false link to log into your online banking.
 
THESE EMAILS ARE NOT FROM WB.
 
Examples of some other fake messages in the fraudulent emails are:
  • “We inform you that your SCA is not set up yet. In order to use your Online Banking Service, you will have 24 hours to set up your SCA.”
  • “Your Internet Banking account has expired. Renew your account information NOW. Please download and complete the attached form.”
  • “Your WB Online Banking Access is suspended.”
  • “Please be informed that we send emails asking you to verify your account maximum three time a year.”

WB have been made aware of a “Payday Loan” scam currently targeting our customers. Reports received indicate the following key details:

  • Payday Loan application is made online (Fast Online Credit, Bluestone Finance, Deccan Loans)
  • Customers are requested to input IBAN for loan application approval
  • Upon loan approval, customers will be requested to make an advanced payment – this may be for PPI or to build credit rating
  • Loan repayments will be requested to be paid through alternative payment channels, for instance: Western Union, Coinbase, TransferWise, Game Stop vouchers, iTunes Vouchers.
 
Not all of these elements will appear in every attempted loan application, as details vary, but the overall theme remains constant.
 
If suspicion arises:
  • DO NOT make any further payments
  • DO NOT withdraw or transfer any funds received into your account from an unknown third party
  • Cease contact with the fraudulent loan company immediately.
 
If you believe you have been a victim of the scam, please contact us immediately.

 

The objective of these fraudulent SIM swaps is mainly to intercept messages sent by SMS for banking transactions over the Internet.

 
Fraudulent SIM swap is a mobile device specific fraud where the fraudster approaches your mobile service provider pretending to be you and requests that the existing mobile number be assigned to a new or ’replacement’ SIM card. Once the SIM swap request has been processed, the fraudster is able to access the new SIM card and may divert calls and receive your SMS notifications. With texts and calls now routed to the ‘new’ SIM card, the fraudster is able to access any unique codes sent by the bank to access people’s bank account. This scam will be used in conjunction with other Common Frauds and Threats such as a Phishing or Vishing attack’s as described above.
 
To safeguard against SIM swap fraud, we suggest that you follow these simple steps to help stay secure:
  • Never disclose any sensitive or personal information such as log in details, bank details, passwords or passcodes to any source
  • Never ignore an SMS message alerting you to a pending SIM swap request on your account or if you suddenly cannot make or receive calls or messages. Contact your mobile provider immediately and enquire whether a SIM swap has been processed on your number
  • Protect your mobile device via password (use strong passwords that would not be easy to guess) or biometric security (fingerprint). Where possible, set the screen auto-lock timer to activate after just a few minutes of inactivity
  • Disable automatic connections. Some devices automatically allow connections to available Wi-Fi networks, and Bluetooth devices may connect and transmit data without your knowledge
  • Consider using your manufacturer’s applications which allow you to find and track your device if lost. These applications also give you the option of locking or wiping your phone remotely if required
  • Do not open emails from unknown sources – even if these appear legitimate or authentic and seem to come from your banking institution
  • Never follow a link provided to you in an email to access the Internet Banking site for your banking institution. Instead physically type the address into the browser address bar.
 
If you suspect that you have been a victim of SIM swap fraud, contact your mobile provider immediately.
What identification documents do I need to open a current account?

To open a bank account at a branch you need to provide at least one form of photo ID and one proof of address. If opening the account online a second form of ID, or Selfie with your ID, is required. Please note the name on the photo ID must match the name on your proof of address.

Online application

To complete your application you must upload two forms of ID and one proof of address, you can choose one of the following options:

 

Option 1: Photo of Passport, Photo of Driving Licence Card (IRL & UK) & Proof of Address

Option 2: Photo of Passport, A selfie picture of you holding your Passport (with the photo page opened) & Proof of Address

Option 3: Driving Licence Card (IRL & UK), A selfie picture of you holding your Driving Licence Card & Proof of Address

Where to find your BIC & IBAN

Your BIC (Bank Identifier Code) and IBAN (International Bank Account Number) can be found by several means:

Republic of Ireland customer

WB online - within accounts details on homepage and eStatements

  • Woohoo Bank App - on account details and eStatements
  • Paper statements
  • IBAN calculator

Northern Ireland and Great Britain customers

  • WB online - eStatements only
  • Woohoo Bank App - eStatements only
  • Paper statements
  • IBAN calculator

IBAN calculator

Use our IBAN calculator to generate a Woohoo Bank IBAN number using:

    • The name/sort code of your branch and your account number.
Report Lost/Stolen cards or smart device

You can call us 24/7 to report a lost or stolen card or smart device*:

Republic of Ireland

Phone: +353-1-211-8658

Great Britain & Northern Ireland

Phone: +353-1-211-8666

Everywhere outside Republic of Ireland, Great Britain & Northern Ireland

Not Freephone: +353-1-211-8658

As soon as you believe your card has been lost or stolen, please get in touch. We'll cancel your card as soon as you tell us it's missing and get a new card issued to your address (the one we have on file for you) in 5 to 7 working days.

Please let us know immediately if you discover your card is lost or stolen. Otherwise, you could be liable for any losses up to the time you report the loss to us.

Smart Device

You should report any lost or stolen smart device to Woohoo Bank when:

  • You use the smart device as security device for online banking - Any smartphone or tablet you have installed the Woohoo Bank App on and completed registration of that device.
  • You use the smart device for as a digital wallet - Any smart device on which you have added your Woohoo Bank  debit or credit card using Google Pay (android devices) or Apple Pay (iOS devices).
Can I order foreign currency online?

Yes you can.

Foreign currency can be ordered to collect in all branches with the exception of the Advice & Self Service Branches. You can make your order online using the Foreign exchange order form or Call + 353-1-211-8666

Beware of ransomware

What is ransomware?

Ransomware is a type of malicious software (or malware) designed to block access to a computer system or device until the victim pays a sum of money (the ransom) to the attacker. Ransomware is one of the main security concerns for organisations globally, and email continues to be a very common method used by cyber criminals to deliver this attack.

What you can do

There are a number of steps you can take to help protect yourself and/or your business against a ransomware attack

  • DO NOT click links in suspicious emails or download unsolicited email attachments.
  • If you receive an email from a known sender, but with an unusual link or attachment, contact them first to confirm the legitimacy of the email.
  • If you receive a suspicious email in relation to your Woohoo Bank accounts, forward it as an attachment to security@woohoobank.com immediately.
  • Be careful when accessing websites; do not click on advertisements as they could contain malicious software.
  • Ensure your anti-virus software is up to date.
  • Always run your computer or network on the most up to date version of the operating system.
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