Laser

• Laser Card, the better way to pay
• Simpler than cheques, safer than cash
• Terms and Conditions
• Chip & Pin

Laser from Bank of Ireland lets you shop when you feel like it, pay for your purchases directly from your current account and saves you carrying large amounts of cash or writing cheques. It's quick, it's easy and it's a better way to pay.

Paying by Laser is almost like paying in cash, although it's more convenient. Once you make the payment, the money comes out of your current account, generally within 2 - 3 working days.

Using Laser is simplicity itself. The retailer will swipe your card and ask you to enter your 4 digit PIN into a PIN pad. The amount is debited from your current account generally within 2 - 3 working days.

Cashback

Most retailers offer a cashback facility¹ when you're using Laser. You can pay for your purchases and take up to €100 in cash from your current account at the same time.

Use it everywhere

Thousands of retailers accept Laser; supermarkets, department stores, filling stations, pubs, restaurants and many smaller retailers nationwide. Look for the Laser sign when you're shopping.

Keep track of your finances

Using Laser makes it really easy to track your spending. Every statement will show each Laser transaction, how much you have spent and where you have spent it. Each transaction has its own receipt too, so you can easily keep track.

Using Laser abroad

When you're abroad, you can use Laser to pay for your purchases and to get cashback¹ anywhere you see the Maestro sign and you can get cash anywhere you see the Cirrus sign. It's a truly international solution.

Government Stamp Duty²

Government Stamp Duty applies annually to your ATM/Laser card (currently €5.00).

Charges³

There is no charge for adding the Laser facility to your card although you may pay a charge for each transaction. Standard current account transaction fees apply to domestic transactions⁴.

Charges for using your card abroad³

Cirrus/Maestro transactions in euro within the EU and certain non-EU countries to which the relevant EU regulations apply are charged at the same rate as domestic ATM/Laser transactions. Where account transactions fees are free as part of a package these euro transactions are also free.

All other Cirrus and Maestro transactions are charged as follows and are not included free as part of any packages or fee waivers:

• Cirrus (ATM) transactions - there is a 3.5% transaction charge with a minimum of €3.17 and a maximum of €11.43 per transaction
• Maestro (Point-of-Sale) transactions - there is a 1.75% transaction charge with a minimum of €0.46 and a maximum of €11.43 per transaction

1. Some retailers do not operate a cashback policy
2. The Bank will charge to the account the amount of any Government duty payable in respect of the card.
3. Full details of all fees and charges can be found in our Schedule of Fees and Charges for Personal Customers (PDF, 252KB) (available from any Bank of Ireland branch) and Schedule of International Banking Charges (available from any Bank of Ireland branch). For Cirrus/ATM transactions, at some cash machines, you may be required to undertake more than one transaction to withdraw your full daily limit.
4. Depending on the Current Account fee option/account package you are availing of.

Click here for ATM and Laser Card Terms and Conditions (PDF, 119KB)

Click here for more information on Chip & Pin.