Text Banking FAQ's


Bank on the go! Find out how you can bank with your mobile phone.

Got a question about text banking

What can I do with text banking?

We have 4 services available through Text Banking:

  • You can check your balance
  • You can request your mini statement
  • You can transfer funds between your own permanent tsb account
  • You can make a bill payment

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What number do I text for Text Banking?

Text 51309 for any text banking service.

Text 50309 for mobile top ups.

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What is a balance enquiry?

A balance enquiry is a request for the current available balance on your account.

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How do I request a balance enquiry?

Text balance to 51309. We’ll text you your balance.

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What is my available balance?

Your available balance is the current amount of money in your account that you can withdraw or pay bills from.

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Can I request a balance enquiry on an account other than my default account?

You can request a balance enquiry on any of your accounts, as long as you have given it a nickname, which you can do through online banking Open24.

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What is a mini statement?

A mini statement lists the last 5 transactions made on your account and your available balance.

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How do I request a mini statement?

Text statement to 51309. We’ll text you the mini statement on your default account.

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Can I request a mini statement on an account other than my default account?

You can request a mini statement on your default account and any account that you have given a nickname (which you can do through online banking Open24).

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What is a bill payment?

A bill payment is a transfer of funds from your default account and an outside business or person.

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How do I make a bill payment?
  • Text pay + amount + bill nickname to 51309
  • We’ll text you a request from 2 digits from your access code
  • You text us those 2 digits
  • We’ll send you a confirmation text

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What if I don’t have sufficient funds in my account for the bill payment?

We’ll send you a text that tells you that your bill payment was unsuccessful.

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What is a funds transfer?

During a funds transfer, you’ll transfer funds from one account to another electronically. With text banking, you can only transfer funds between your own permanent tsb accounts.

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How do I make a funds transfer?
  • Text transfer + amount + account nickname to 51309
  • We’ll text you a request from 2 digits from your access code
  • You text us those 2 digits
  • We’ll send you a confirmation text

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What if I don’t have sufficient funds in my account for the funds transfer?

We’ll send you a text that tells you that your funds transfer was unsuccessful.

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Can I make a funds transfer from an account other than my default account?

You can transfer funds from or to your default account and any account that you have given a nickname (which you can do through online banking Open24).

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Can I make a funds transfer from an account that is not my own?

No. This is not possible at the moment.

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Why do I have to provide 2 digits of my access code?

This is our way of keeping you secure. When you text us with your account nickname and the 2 digits of your access code, we can be sure that the request is coming from you.

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What if I sent the wrong digits of my access code?

We give you 3 chances to send the correct digits of your access code. If you’re wrong all 3 times, you won’t be able to transfer funds. Don’t worry, just give us a call at 1890 500 121 and we’ll reset it for you.

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Is there a limit on the number of transactions I can make per day?

You can request as many balance enquiries and mini statements per day as you want. Bill payments and fund transfers have limits:

  • Funds transfers: €25,000 daily limit
  • Visa bill payments: €25,000 daily limit
  • Utility bill payment: €4,000 daily limit

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How much does this service cost to use?

We charge each text to 51309 at your mobile operator's standard text rate.

Get started with our mobile banking demo

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