How can we help you?

We're here to help you when things get tough.

If you’re experiencing financial difficulty or concerned about your finances it's important to address the issue as soon as possible.

General help and support can be found by visiting our struggling financially (opens in a new window) page.

You may also want to consider contacting a non-profit debt-counselling organisation for support and advice. These organisations offer free, confidential help so there's no need to pay a debt management company to advise you. You can find out more on our managing your finances (opens in a new window) page.

Sometimes accounts are passed to our collections and recoveries teams when there is an outstanding balance which needs to be repaid and has fallen outside of the agreed terms and conditions of the account.


There are several common reasons why accounts can move into our collections team, some examples are as follows:

  • Exceeding the agreed overdraft facility
  • Missed payments on a loan, mortgage or credit card
  • Financial difficulty

If your account has been unused for a long period of time or there is an increase of activity which may include unpaid cheques, direct debits, or card transactions; Your account may also enter collections as a result of these sudden changes in activity.

Accounts in collections

  • If your account is in the collections process it will generally still be available for you to use and your normal terms and conditions will still apply.
  • Our collections team will work with you to try to bring your accounts back within your agreed limits so that you can continue with normal banking.
  • They will look to make a repayment arrangement with you and set up an affordable repayment plan for you to repay the outstanding balance.
  • It is important that you are aware of the next steps if you cannot clear your debt in collections - further action may be taken which may result in the full removal of your bank account facilities and your credit file may be impacted for up to 7 years.


Accounts usually move into our recoveries team if your account has failed to return to within its normal and agreed limits following the support offered by our collections team.

Accounts in recoveries

  • If your accounts are in the recovery process all accounts become non-operational. You will still be able to view your balance online by logging into Anytime Banking.
  • You may be expected to bank elsewhere as the accounts can no longer be used and they only remain open until the outstanding debt is repaid.
  • Your credit reference file is likely to be impacted and this may show for up to 7 years.

To make a payment to your account


If you wish to make an Automated Payment to your mortgage, please call (00353) 1903 6883.

Alternatively, please call (00353) 1800 435 763.

All other accounts

If your account is already being managed by our Debt Management teams, you can make safe and secure payments online via (opens in a new window)

Alternatively, please call (00353) 0818 210 276.

You will need your account details ready when calling.

Credit cards

To make a payment to your credit card, please call (00353) 0818 210 260.

Ask Cora

Cora can help you with a wide range of queries and show you how to do your banking.

Available 24/7

Find Cora in the mobile app, Anytime Banking or our website