EBS d.a.c. Reviews 

Not possible to get onto online banking after 6pm

Very helpful team at the branch in Killarney, very informative and helpful and an overall fairly pleasant experience from start to finish of the mortgage process.

Páraic and Katie

Somehow this building society has gone from great little service to save money with.. to a massive pain in the rear. The HOOPS you have to jump through to access your OWN money.
Cannot log in to app at all because access code never works. Lord forbid you change phones because that's out the window.
Changed services to 1 teller and its now a cold feel no actual customer service.
I predict this bank falling the way Irish Nationwide did.

Very prompt and professional service with my first time buyer mortgage application. It took less than a month and I received my approval today 🙂. Was disappointed with AIB and BOI completely. Highly recommended.

It's a very basic service EBS provides.
Basic account with no fees - great!

The absolute worst online banking experience out there.

If you lose/break your phone, you cannot access your accounts.

There is no "online" banking as you cannot log in without the "authenticator" app.

If you do not have a smart phone - you cannot access your accounts.

Have accounts with PTSB, KBC (before they closed) & BOI and this is BY FAR the worst online experience.

I find the staff in the Blanchardstown branch pleasant to deal with (think it might have been Elana(?) & she was very good to deal with when I opened my account in 2021)

An archaic tech stack with unreasonable requirements

There are without doubt the worst bank I have ever had the misfortune of dealing with. Absolutely appalling customer service, haven't a clue what one hand is doing from the other; they have shut all there branches so you can't service your account. The Security on the account is joke and see you running through countless hoops to shocking technical problems that cause nothing but heartache. Do yourself a favour find a better bank that actually cares about customers.

Actually 0 stars. Worst bus service ever… Buses cancelled last minute. Always problems. Late or cancelled, bus drivers (not all) with attitude. Sort your sh!t out EBS or let another bus company take over the routes. 👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻👎🏻 if I lose my job because I’m always late, will you paid my rent?

It has frequent problems with their account authenticator but generally not with their card manager authenticator.
Today, a technical glitch from the payer's card manager authenticator communicating with the payee's Revolut, so funds were not received by the Revolut. The payer EBS' card manager said it was successful but did not seem to communicate or order the transfer from the EBS account to the Revolut.
It had worked fine before but not today. And the payee's Revolut was receiving payments from other client's banks without problems.
Glitches can happen, but what was frustrating was that the customer services people refused to elevate the issue to the IT department for them to have a look at this problem or at least find out if there was an outage, a server problem or any other issue delaying the funds transfer. If any information was given, the client could find alternatives or warn the payee about a delay. Unfortunately, the customer services people, in three different times, were either blaming the customer or asking the customer to contact Revolut . They were adamantly refusing to even entertain the possibility of any technical glitch or problem at the EBS end, as if EBS systems were perfect, when none is. The EBS client did not have Revolut and this merchant does not have a customer number for non Revolut card/application holders. However, Revolut's website says that if the funds are not transfer to them might be because the sender bank is placing a security wall on the sender.
While I was on my last call to EBS customer services, asking to please fill up a request for the IT department to review the issue of which I was a sample, I tried the transaction again. This time it worked, after almost eight hours from the first falsely successful attempt. Then, the customer service agent told me that could not raise it as a technical problem because it had worked. The agent was kind enough to send it as a complaint as I asked to please have the IT dept. look into this issue as it might be happening again to other people.
The problem is not the agents, they tried to help and they do what they are told to. The problems, IMO, are :
1. the policies or instructions given by the company outsourcing the customer services limiting the escalation or actual technical support to the customers.
2. The policies or instructions given by EBS to the companies providing customer support for them, limiting the scope of action and technical support the customers receive.
3. They do need to review closely to their authentication tools, they often fail.
The customer support was very frustrating, passing the hot potato to the client or the merchant, going in circles, making the conversation far too long over the phone for just no resolution. The agents tried but their scope of action was too limited to solve issues.

We recently just got our mortgage with EBS and Brian Tyrrell was amazing, quick response times, accurate information and wonderful customer service, couldn't recommend Brian highly enough. Fantastic experience.

EBS Online banking in a nutshell:

We have sent a notification to your paired device. To complete authentication please click 'CONFIRM' when it arrives.

Login unsuccessful.
Please use your paired device to complete the authentication.
Do not get locked out. Pair your device to continue using online banking.

Device may not have been reached
This could be due to network issues. Please click 'RESEND' to try again or use the EBS Authenticator app to get a One-Time Passcode (OTP), enter the number below and press 'CONTINUE', or else 'CANCEL' to exit.

30 hours later, and I still can't sign in online, this is a regular occurrence, and now not working at all after app update, where the confirmation simply doesn't arrive, tried different browsers, clear cache, do 3 handstands while holding phone in left hand facing south and repeating the word rumplestilskin 15 times. Phone is up to date too.

Using the app, is like a bus in the 1990s, nothing and then all 3 come auths come together. It's unnecessarily too many stages on 2 different apps that redirect to to their website, so you just waste your time and eventually the will to live.

The card app, is getting worse too, where it doesn't go through the first 2-5 times even after inputs of correct pins etc, and then you get spammed with auths and then finally works on your 5th try.

I believe they're actively pushing customers away from banking with them and this is the best way to achieve that.

I can only imagine how the over 70s find using this foundation level built app

VERY FRUSTRATINGLY FRUSTRATED 🥴 !!!!!

I have now been waiting on the line for 20+minutes to speak to someone on the EBS customer helpline. My issue is that I am waiting to receive a notification on a paired device and this never arrives. Waiting around listening to a recorded message is very frustrating and more so because the problem is not of my making.

Anyone out there stressing about going for a mortgage I feel you I was there I stressed myself out so much about it , I thought it was a dream that would never come true until I met Nora Joyce in ebs bank in Drogheda. She made our experience so stress free and explained the journey so clear to us. She was absaloutley amazing in keeping in contact and keeping us calm and positive throughout. She really did go above and beyond for us in building such a strong application for us to issuing funds . I can now say I am a homeowner and it would have never been possible without Nora and the guys in ebs. I can't recommend her enough.

Just wondering if anyone else has had issues with DD’s or online purchases such as trying to buy concert tickets or booking restaurants?? My card which I have used for the last year (it’s in date/ money on account) decided to stop working in January for my gyms DD, I can’t book restaurants with my card (some places request a card for booking) I rang the bank and they said they can’t see anything different… but I haven’t changed anything anywhere… I have the authentication apps but never had to use these for the issues I am currently having…
Anyone else experience this or have advice??

This is a basic bank account with a debit card. Had to shift after Ulster Bank shut and I was looking for free banking. Direct debits and standing orders work fine but EBS online banking does not work! The website cannot communicate with my android phone to verify transfers or set up new payees. Its only good for checking online transactions. After wasting hours to try and get it to work I've given up on it!

Tbh I havnt had any major issue since joining from Ulster bank but agree with most on here that to have a system that's so bloody dated in the age of modern tech is unbelievable. Surely Ebs can work on a decent, fit for purpose and user friendly APP.

I only really joined as they don't have any unavoidable charges otherwise probably AIB is the way to go.

I'd advise anyone with an account to keep a secondary one with Revolut.

Money manager account has no fees which is a bonus but how the bank operates is so incredibly old school its baffling. None of the online account apps/logins work first time on any phone, tablet or laptop.

Everything is made pointlessly difficult all for "added security" , which in a nutshell is very accurate as I can barely access the account or whatever I need.

Attempting to print or save statements is a waste of time . I have tried on multiple different laptops , with different printers to no avail. Everytime I receive the below
"there has been an error with your transaction." I have had a money manager account for 3 years, if the account wasn't free I would have left a long time ago.

They charge 5€ for bank statement request but and they don't have facility to print out yourself off their little app where u can check your balance. REVOLUT all the way lads. I closed my bank account today. EBS is a just useless little bank

ebs online is like something from the early 80's. Having used online banks this is a shock to the system, works sporadically and after digging out all of the numerous letters they have sent (who still does that ?) i eventually get in to discover it just crashes when i go to make a transfer. I give up, back to Revolute for me

I got my Mortgage in the EBS in Dundalk 20 years ago actually only have 2 payments left. When we went through financial difficulties during the recession after the Celtic TIger they were amazing, never considered changing. Only downside is I would have thought they would have written to me already about what happens when my mortgage completes and confirmed my last payment dates.

I was with Ulsterbank and needed to move my current account. The process of setting up an account with EBS was like it was in the 1980's. Two visits to the branch and signing of multiple docs. Funny thing is i actually like this aspect even though it was inconvenient. Setting up online banking and activating the debit card also is a long process compared to the online only banks but no issues. Now set up, i find i'm able to get the banking things i need done. I see from other peoples reviews when things go wrong its a pain but I found that when things went wrong with Ulster bank it was a pain to rectify as you were always sent to the helpdesk in NI and they never did what they said they would, i always had to go to my branch to get resolution. So all banks are the same if things go wrong, in my experience, but so far I'm happy with EBS.