What is the official website of the payment service?
The official website of Permanent TSB payment service is https://www.ptsb.ie
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Where can I find the customer support contacts?
Customer support contacts can be found on the official Permanent TSB website under the "Contact Us" or "Help" section.
What is the hotline phone number?
The main customer service phone number is +353 189 050 0121.
Is there a toll-free support number?
Yes, there is a toll-free support number 1800 687 687 available.
What is the email address for technical support?
A general technical or support email is [email protected].
Are there separate emails for different types of inquiries?
Yes, for example, [email protected] is for data protection inquiries; other specialized emails may be used for media or marketing.
Where can I find the online chat support?
Online chat support availability is usually found on the official website under the customer support or help pages.
Does the chat support work 24/7?
There is no verified information for 24/7 chat support; standard support lines operate mainly weekdays.
Is there support through messengers (Telegram, WhatsApp)?
No verified information is available confirming support via Telegram or WhatsApp for Permanent TSB.
What are the support working hours?
Customer support operates from Monday to Friday, 9:00 AM to 5:00 PM, excluding bank holidays.
Does support work on weekends and holidays?
Support generally does not operate on weekends and bank holidays.
Are there regional offices for in-person visits?
Yes, Permanent TSB operates multiple branches across Ireland for in-person service.
Where are the physical offices located?
Physical offices are spread throughout Ireland in 78 branches, including major cities and towns.
Can I schedule a personal meeting?
Personal meetings can be arranged by visiting a branch or calling customer support in advance.
Are there representatives in different countries?
The company primarily operates in Ireland, with no verified data on international representatives.
In which languages is support available?
English is the primary support language.
How quickly does support respond to requests?
Average phone response times vary, with longest waits on Thursdays and Fridays; email replies may take longer.
Is there a priority system for VIP clients?
No verified public information on VIP priority support is available.
Can I request a callback?
Callback service existence is not confirmed publicly but may be offered through customer service channels.
When was the payment service founded?
Permanent TSB was authorized by the Central Bank of Ireland on 21 September 1994.
Who is the founder and owner of the service?
Founded as a credit institution; currently majority owned by the Irish government through the Minister for Finance.
In which country is the company registered?
The company is registered and operates in Ireland.
What is the development history of the payment service?
Permanent TSB was part of Irish Life & Permanent Group until 2012; has developed digital offerings including Google Pay and Apple Pay integration.
Have there been major updates or rebranding?
Addition of digital payment methods like Google Pay and Apple Pay are recent major updates.
Who sits on the company's board of directors?
Specific current board information is not verified publicly; generally includes senior banking executives appointed by the state and board.
Are there investors or partners in the service?
Irish government is the main shareholder; has fintech partnerships such as with CreditLogic.
Does the company participate in stock trading?
It is not publicly listed; shares are mainly held by the state.
What is the company's market capitalization?
Not applicable as Permanent TSB is not publicly traded.
Are there subsidiary companies or branches?
It has 78 branches within Ireland but no public information on subsidiaries.
What licenses does the payment service have?
Licensed as a regulated credit institution by the Central Bank of Ireland.
In which jurisdictions does the service operate officially?
Officially operates within the Republic of Ireland.
Are there licenses for cryptocurrency operations?
No confirmed cryptocurrency licenses are held.
Does the service comply with AML/KYC requirements?
Yes, Permanent TSB complies with standard anti-money laundering (AML) and know-your-customer (KYC) regulations as mandated by Irish law.
Are there security certificates (PCI DSS, etc.)?
Specific certificates are not publicly detailed; however, as a bank, it aligns with PCI DSS and other security compliance standards.
Has the service undergone security audits?
Regular audits are standard for regulated banks, though specific audit reports are not public.
Is there insurance for client funds?
Client funds are protected under the Irish Deposit Guarantee Scheme.
Which international standards does it comply with?
Complies with EU banking regulations including PSD2 and GDPR data privacy requirements.
Have there been any regulatory fines or violations?
In 2019, Permanent TSB was fined €21 million by the Central Bank of Ireland for serious regulatory breaches related to tracker mortgage customer treatment.
Where can I find real reviews about the service?
Reviews can be found on Trustpilot, SmartMoneyPeople, and consumer complaint websites.
What are the main user complaints?
Common complaints include app reliability issues, slow and unhelpful customer service, problems with card usage, and account blocking.
What do users most often praise the service for?
Some users appreciate the physical branch presence and straightforward payment options.
Are there issues with fund withdrawals?
Some users report occasional delays and issues with card transactions and withdrawals.
Is the interface convenient according to users?
The app and web interface receive criticism for bugs, unstable login, and poor usability.
Are clients satisfied with transaction speed?
Transaction speeds are generally acceptable but dependent on payment types; SWIFT transfers have variable times.
Do users recommend this service?
A majority of user reviews do not recommend Permanent TSB due to the issues mentioned.
How do experts assess the service's reliability?
Experts acknowledge regulatory compliance but note weaknesses in customer service and digital platform stability.
Are there industry awards and recognitions?
No publicly verified awards are noted.
Does the service participate in payment system rankings?
No confirmed participation in major payment rankings.
Are there recommendations from financial regulators?
The Central Bank of Ireland supervises but has issued reprimands and fines for compliance shortcomings.
What reputation does the service have among partners?
Recognized as a major Irish retail bank but partners note challenges in digital transformation.
How do they evaluate solution innovation?
Innovation is progressing with digital wallet integrations but lags behind market leaders.
Are there quality service certificates?
Listed certificates are not publicly detailed.
Does the company participate in industry conferences?
Participation is typical for banks but specific events are not publicly highlighted.
How does the service position itself in the market?
Positioned as a core retail bank focused on personal and SME customers in Ireland with a commitment to digital payment options.
Which fiat currencies does the service support?
Primarily supports Euro (EUR); standard for Irish banks.
Are cryptocurrencies supported? Which ones specifically?
No verified support for cryptocurrencies is provided.
Is there a proprietary cryptocurrency or token?
No native cryptocurrency or token exists.
Can currencies be converted within the service?
Foreign exchange services exist for international payments, with conversion based on market rates.
What exchange rates are used for conversion?
Rates are derived from market rates with additional fees possibly applied by the bank.
How often are exchange rates updated?
Rates are updated regularly to reflect market fluctuations; specific timing varies.
Are stablecoins supported?
No stablecoin support is confirmed.
Can exotic currencies be handled?
Exotic currency handling is limited; primarily mainstream currencies via SWIFT.
Are there currency restrictions in different countries?
Standard regulatory restrictions apply depending on destination and transaction types.
What types of transfers does the service support?
Supports domestic transfers, international payments via SWIFT, bill payments, and transfers to cards and accounts.
Can transfers be made between service users?
Yes, transfers between Permanent TSB account holders are supported.
Are transfers to bank cards supported?
Transfers to bank cards are supported through card payment schemes.
Can money be transferred to bank accounts?
Yes, transfers to external bank accounts are supported.
Is bill payment available?
Yes, customers can pay bills directly from their accounts.
Are recurring payments supported?
Recurring payments can be set up for regular bill payments or standing orders.
Can automatic transfers be set up?
Automatic transfers and standing orders are available to customers.
Is payment scheduling available?
Future dated payments are supported with specific limits.
Are group payments supported?
Group payment and splitting features are not explicitly detailed.
Can payment links be created?
No confirmed information on payment link creation exists.
What are the minimum transaction amounts in the service?
Minimum amounts vary by payment type; specifics are not publicly detailed.
What are the maximum amounts that can be transferred?
Daily online transfer limits for personal customers are approximately €10,000; higher amounts require branch handling.
Are there daily limits on operations?
Daily limits apply to online transactions; larger transfers require in-branch form submission and approval.
What monthly and annual limits are in effect?
Specific monthly and annual limits are not publicly disclosed; governed by regulatory standards.
Can limits be increased? How?
Limits can be increased by visiting a branch and completing a high-value transfer process.
Do limits differ for verified users?
Verified customers generally have higher transaction limits.
Are there restrictions for new accounts?
New accounts may have initial lower limits until verification completion.
Do special limits apply in different countries?
Operations are primarily Ireland-based; geographic limit variation is minimal.
Can operations be temporarily blocked?
Operations can be blocked due to suspicious activity or compliance reasons.
Are there limits on the number of daily operations?
Daily transaction counts may be limited to prevent fraud.
What are the minimum amounts for account funding?
Minimum deposit amounts vary; specifics are not publicly detailed.
What methods of funding are supported?
Funding methods include bank transfers, card payments, cash deposits at branches, and possibly other digital methods.
Are there fees for funding?
Deposit fees are generally low or nil; specific charges may apply depending on method.
What are the minimum funding amounts?
Minimum funding thresholds depend on the payment method used.
How quickly are funds credited when funding?
Fund crediting is typically immediate for card deposits, 1-2 business days for bank transfers.
How can money be withdrawn from the system?
Withdrawals are possible via ATM, bank card cash withdrawals, transfers to bank accounts, and possibly branch cash withdrawals.
Are there fees for fund withdrawal?
Fees may apply for some withdrawal methods; specifics depend on account type and withdrawal channel.
How long does withdrawal take?
ATM withdrawals are instant; bank transfers typically take 1-2 business days.
What withdrawal limits are set?
Withdrawal limits depend on account agreements and card limits.
How quickly are funds credited when funding with a card?
Card funding is typically credited immediately or within minutes.
How long does a bank transfer take?
Bank transfers take 1-2 business days, depending on destination and timing.
How quickly do cryptocurrency transfers arrive?
Cryptocurrency transfers are not supported.
Are transfers between users instant?
Transfers between Permanent TSB users are usually processed quickly, often the same day.
Are there delays when funding on weekends?
Weekend funding processing may be delayed until next business day.
Do holidays affect funding speed?
Bank holidays can delay funding processing times.
Can crediting be accelerated for a fee?
No public information on express funding for fees is confirmed.
What determines the speed of funding processing?
Funding speed depends on payment method, time of day, destination, and banking system processing.
Are there notifications about funding status?
Notifications are generally provided for funding status via app or online banking.
What to do if funding takes too long?
Contact customer support for investigation; delays may be due to compliance or banking system issues.
How quickly are withdrawal requests processed?
Withdrawal requests are processed typically within same or next business day depending on method.
How long does card withdrawal take?
Card withdrawals at ATM are instant; card-based transfers may take longer.
How quickly do bank transfers arrive?
Arrivals take 1-2 business days depending on destination.
Are cryptocurrency withdrawals instant?
Cryptocurrencies are not supported for withdrawal.
Are there withdrawal delays on weekends?
Withdrawals requested on weekends are generally processed next business day.
Do holidays affect withdrawal speed?
Withdrawals may be delayed due to holidays.
Can withdrawal be accelerated for an additional fee?
No publicly confirmed express withdrawal options.
What determines withdrawal processing time?
Processing times depend on withdrawal method, bank cutoffs, and compliance reviews.
Are there notifications about withdrawal status?
Customers are notified via app, SMS, or email regarding withdrawal status.
Can a withdrawal request be canceled?
Cancellation policies depend on the withdrawal stage; early requests may be canceled.
How to register with the payment service?
Registration can be done online or in branch by providing personal details and identification.
What data is needed to create an account?
Personal identification, proof of address, date of birth, and personal contact information.
Can registration be done without email?
Email is typically required for communication and verification.
Is phone confirmation required during registration?
Phone verification or confirmation is commonly required.
Are there age restrictions for registration?
Minimum age is generally 18 years, consistent with banking regulations.
Can a corporate account be created?
Yes, Permanent TSB offers business accounts with specific documentation.
Is it required to provide real data?
Yes, real identity and documentation are required for compliance.
Are there country restrictions for registration?
Registration is limited to residents or those with a valid address in Ireland.
How long does account activation take?
Account activation can be immediate or within a few days after verification.
What verification levels exist?
Basic and enhanced verification levels based on documentation submitted.
What documents are required for basic verification?
Valid ID (passport, driver’s license), proof of address (utility bill).
Are documents needed for full verification?
Enhanced verification may require income proof or additional identity checks.
Are digital copies of documents accepted?
Digital document uploads are accepted for verification.
How long does the verification procedure take?
Verification typically takes 1 to 5 business days.
Can the service be used without verification?
Unverified accounts have limited access and functionality.
What restrictions apply to unverified users?
These users have lower transaction limits and restricted service access.
Is address confirmation required?
Yes, address proof is mandatory for full service.
Is a selfie with documents required?
Selfie or photo verification may be required for enhanced identity validation.
How often do documents need to be updated?
Documents should be updated when expired or as requested for compliance.
What encryption technologies does the service use?
Uses bank-standard encryption protocols such as TLS for data in transit and storage security.
Is two-factor authentication supported?
Yes, 2FA is supported and recommended for added account security.
Are there SMS confirmations for operations?
SMS verification is used routinely for transaction confirmation.
Is biometric authentication supported?
Biometrics like Touch ID/Face ID are supported in the mobile app.
Is blockchain technology used?
No confirmed blockchain technology use for core services.
Is there a multi-level security system?
Yes, multi-layered security with encryption, 2FA, fraud detection, and monitoring.
How is user personal data protected?
Personal data is protected under GDPR with secure storage and minimal access.
Is cold storage used for cryptocurrencies?
Cryptocurrency services are not offered.
Is there DDoS attack protection?
Banking infrastructure typically incorporates DDoS protection though specific details are not public.
Are regular security audits conducted?
Regular internal and external security audits are conducted for compliance.
What anti-phishing protection measures are provided?
Email and app security warnings, secure login protocols, and customer education.
Is there a suspicious activity detection system?
Yes, systems monitor and block suspicious transactions.
How does the service combat money laundering?
Compliance with AML regulations, customer verification, transaction monitoring, and reporting.
Is there blocking of suspicious accounts?
Yes, accounts suspected of fraud or money laundering are blocked pending investigation.
What to do when fraud is detected?
Contact customer service immediately and follow bank’s fraud resolution procedures.
How to report suspicious activity?
Report via customer service hotline or email; specialized fraud reporting channels exist.
Is there compensation for damage from fraudsters?
Compensation policies follow legal and regulatory frameworks; cases are reviewed individually.
What user rights exist for disputed transactions?
Users can request investigations and reversals under banking complaint procedures.
How to dispute account blocking?
Disputes can be raised with customer service and, if unresolved, escalated to the financial ombudsman.
Is there insurance against cyber attacks?
Banks generally carry cyber insurance, but details are confidential.
What fees does the service charge for transfers?
Fees vary by transfer type; standard domestic transfers may have low or no fees; international transfers incur charges.
Are there fees for account funding?
Generally, there are no fees for account funding via standard methods.
Are fees charged for fund withdrawal?
Fees may apply depending on withdrawal type and account.
Are there fees for currency conversion?
Currency conversion fees apply as per transfer and exchange rules.
Are there fees for account inactivity?
Inactivity fees may be charged after prolonged dormancy.
Are there account maintenance fees?
Monthly account maintenance fees apply depending on account type.
Are fees charged for operation cancellation?
Cancellation fees are rare but may apply depending on transaction.
Are there fees for expedited operations?
Expedited processing fees are not publicly confirmed.
Are there hidden fees?
Permanent TSB aims to maintain transparent fee structures with no hidden fees.
How are fees calculated for large amounts?
Fees are calculated based on tiered levels, transaction type, and currency.
Are there different tariff plans in the service?
Different account packages with varying fees and benefits are available.
What advantages does VIP status provide?
VIP privileges are not publicly detailed.
How to get preferential conditions?
Special conditions are usually negotiated for high-value customers or business clients.
Are there free operations per month?
Some accounts offer free transactions up to a limit.
Are there discounts for active users?
Discounts or fee waivers may be available for active or premium clients.
Are there corporate tariffs?
Corporate accounts have specific pricing and service conditions.
Can individual conditions be obtained?
Custom pricing may be obtained on a case-by-case basis.
Do promotional codes work for fee reduction?
No information on promo codes for fees is publicly available.
Are there cashback programs?
Cashback programs are not prominently offered.
Are there discounts for transaction volumes?
Volume discounts may apply for business clients.
Is there an official mobile application?
Yes, Permanent TSB has an official mobile app.
On which platforms is the application available?
The app is available on iOS (App Store) and Android (Google Play).
What functions are available in the mobile application?
Mobile app features include account management, payments, transfers, card control, and alerts.
Does functionality differ from the web version?
Basic functions are consistent; some features may differ or be optimized for mobile use.
Is Touch ID/Face ID supported?
Yes, biometric login is supported in the mobile app.
Can the application work offline?
The app requires internet connectivity for transactional functionality.
Are there push notifications about operations?
Yes, the app provides push notifications for account activity.
Is dark theme supported?
No confirmed information on dark mode availability.
How often is the mobile application updated?
Updates are released periodically to fix bugs and add features.
Are there beta versions of the application?
No public beta program is confirmed.
Is the web interface of the service convenient?
The web interface receives mixed reviews, with criticisms about usability and reliability.
Is responsive design supported?
The website supports responsive design for different device types.
In which languages is the interface available?
The interface is available primarily in English.
Is there a night mode for the website?
No confirmed night mode for the website.
Are hotkeys supported?
Hotkey support is not commonly provided.
Can data be exported?
Data export capabilities are limited mainly to statements and transaction downloads.
Is there an API for developers?
No public API is available for developers.
Is integration with other services supported?
Integrations are limited to standard payment platforms like Google Pay and Apple Pay.
How often is the web interface updated?
Regular updates occur as part of bank IT maintenance.
Are there virtual cards in the service?
No information confirming virtual card issuance.
Can disposable cards be created?
Disposable or temporary cards are not supported.
Is multi-currency account functionality supported?
Multi-currency accounts are not typically offered.
Are there investment products?
Investment services are available via the bank but separate from payment accounts.
Can interest be earned on balance?
Interest may be earned on savings products but not standard payment accounts.
Are there credit products?
Credit cards and personal loans are offered.
Is P2P trading supported?
P2P trading is not supported as a banking feature.
Can cryptocurrencies be bought/sold?
Cryptocurrency buying/selling is not supported.
Is there acquiring for business?
Merchant acquiring services are not publicly detailed.
Are mass payouts supported?
No public confirmation of mass payout feature.
Is there a loyalty program in the service?
No loyalty programs are publicly advertised.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
Cashback offerings are not confirmed.
Are there referral programs?
No verified information on referral programs.
What privileges do VIP clients have?
VIP client benefits are not publicly detailed.
Are there seasonal promotions and offers?
Seasonal promotions may vary; not widely advertised.
Can premium status be obtained?
No public information on premium account upgrades.
Are there partner discounts?
Partner discounts are not publicly documented.
Are there corporate loyalty programs?
None publicly noted.
Does the service allow operations with online casinos?
No specific confirmation on casino transaction handling.
Are there restrictions on gambling transactions?
Typical banking regulations on gambling transactions apply.
Can accounts be blocked for casino play?
Accounts can be blocked for suspicious or policy-violating activity including gambling.
How does the service view gambling?
Gambling is generally treated under regulatory compliance frameworks.
Are there special conditions for gambling?
No special gambling conditions publicly noted.
Are casino transactions tracked?
Transaction monitoring systems capture all transaction types including casino related.
Can operations with gambling sites be hidden?
No facility to hide transactions is provided.
Are there notifications about gambling expenses?
No dedicated gambling expense notifications.
Are there special fees for gambling operations?
Gambling transactions incur standard fees if any.
Can limits be set on gambling?
No specific gambling spend limits are advertised.
Is there a self-exclusion function?
Self-exclusion functions are part of responsible banking practice generally, but no direct PTSB confirmation.
Can access to gambling sites be restricted?
Not typically enforced by banks directly.
Is gambling expense control supported?
No specialized gambling expense controls.
Are there notifications about limit exceedance?
No specific notifications disclosed.
Can operations with casinos be blocked?
Banks can block suspicious transactions including casino operations.
Is there gambling expense statistics?
No specific gambling expenditure reports.
Is a "cooling-off period" supported?
Not publicly detailed.
Can help be obtained for gambling addiction?
Support services recommended externally.
Is there partnership with player assistance organizations?
No public partnership information.
How to set up gambling expense notifications?
Not applicable.
Which online casinos accept this payment method?
Not specifically confirmed.
Are there exclusive partnerships with specific casinos?
No exclusive partnerships.
Do conditions differ when used in different casinos?
No information available.
Are there special bonuses for using this method in casinos?
No casino-specific bonuses available.
Can the method be used for both deposits and withdrawals in casinos?
Not confirmed.
Are there geographic restrictions for casino usage?
Standard transaction restrictions apply per jurisdiction.
How do casino operators typically process transactions from this method?
Transactions processed as standard card or bank payments.
Are there typical processing times when used with casinos?
Processing times align with regular card or bank transfer timings.
Do casinos usually charge additional fees for this method?
Any fees are imposed by banks, not casinos typically.
Are there any known compatibility issues with major casino platforms?
No known issues reported.