permanent tsb Reviews 

Where possible, avoid PTSB as a mortgage provider - they are by far the worst bank I have ever dealt with and are a prime example of what happens when there’s no real competition in a market — their app does not work, customer service is non existent, and they’re still expecting you to send correspondence by post. I just got a letter from them stating that the home insurance policy on our property has ended (it hasn't - we renewed it four months ago with the same company), and to send new docs by post to Dublin - no email address, no option to upload in the online 'Open24' account anywhere. Tried to ring customer service which is supposed to be open on a Saturday from 10-2 but by the time you get to the mortgage department through all the automated processes it says they only open Fridays, and then hangs up on you - every time we have an issue like this we spend an exorbitant amount of time trying to respond to correspondence and it always leads to time lost, a complaint being lodged, and no outcome ever communicated. Save yourself the hassle if you can find a better bank (if it's even possible).

Worst app on the planet.
Engage with your customers
Disgraceful

Absolutely appalling customer service. By far the worst bank I've ever dealt with. I rang customer services to change my phone number, they asked for all the details to confirm I'm the account holder, I gave ALL the correct details and they told me they couldn't verify it, rang again 5 minutes later and was told the same by another consultant on the phone! Absolute disgrace!! I can't even access my own account now even though I'm paying those useless thieves!

Take a good look at PTSB’s rating on Trustpilot. Notice something? They don't even bother to respond. That is the exact level of importance they give to customers: zero.

I’ve been struggling for months to close an account from abroad. PTSB is flagrantly violating GDPR (Articles 25 & 32) by refusing to provide secure, digital means for identity verification. Instead, they are demanding that I send copies of my highly sensitive personal documents via international post.

This is a disgraceful security risk. In 2026, they are intentionally exposing my data to theft or loss during transit rather than using secure digital channels. It’s a deliberate hurdle to stop me from exercising my right to close the account.

I have already escalated this to the FSPO and the Data Protection Commission (DPC).

Before opening an account here, check the reviews for their branches across Ireland. This level of negligence appears to be a consistent pattern. They seem not to care about the law, your rights, or your data security. You've been warned.

We got previous mortgage from PTSB circa 2004. We've
had two mortgages with them, which we paid diligently on time without fail. They sold one perfectly profitable tracker mortgage to Pepper Finance. I could never figure that one out! .

We are a self-build who required a small mortgage to finish our house . Our small mortgage application was refused. The process was horrible and extremely stressful . If we were borrowing a couple of 100 thousand to strangle us for the rest of our lives I am sure they would have jumped through hoops for us. Avoid like the plague. They probably wanted us to get a home loan to charge a higher APR and makes lots of profit off us. We went to the credit union and after a seamless process we got approved in a few weeks. Don't bother.

Haven't received my mortgage renewal offer only one month left , very difficult to get in touch, keep dropping the call when I do get through
Very disappointed that they haven't given any updates to me and giving me a chance to explore options.
Also ptsb web chat is complete waste of time slow none responsive and fit do do nothing, what a service

Customer service sent me to fraud and fraud sent me to customer service.... You can guess the rest. When speaking with customer service they just ended the chat and I was back to square one.

Only chose one star as no option for zero. Seriously backwards bank. I was scammed and they have not helped get my money back. Have had enough of them. Going to stick with Revolut from now on.

Customer Service is diabolicle. In fact it's stresful and upsetting. I had queries, I offered to give feedback but worse of all 7.99 was taken from my TSB account after I had cancelled GPT prescription.

TSB online banking whichever way you access it, is unreliable. Initially tried to verify a payment for Netflix via the app, was booted off after " incorrect details". Tried via the online access, same ! This is despite my having saved all my details to password manager. I was using the app during the past week . I imagine that due to the time of year there is a lot of online banking traffic but this is a constant issue. Tonight I have reset my account from scratch no less than 9 times. Each time using new details, but the app and online still retained some of my details so I got the message " this person already has an account". Never have I had to input my name, d.o.b and account details so many times. Nowhere near a professional service.

I admire the fraud protection measures implemented by TSB. The beef I have is this. My card was blocked unbeknown to me. Went to pay online and TSB approved the payment on the Mobil app. Yet I was not informed my card was blocked. I thought it was the payee's software fault. Spent half the damned nite trying.
Took 30 minutes waiting on the help line.
Not good enough! Communication is poor!!

Warwick William Heslop

Been in ptsb bank on Friday ask for a loan for a used car as need walk to work 3miles one way, the amount of money I wanted to borrow was just €2000, when I hear sorry sir u will need to wait a bit longer for your loan - how long? No clear anser... Same day I receive message, sir we will call u tomorrow regarding your loan, they never called back. Still walking 6miles to work and back. Thank you Ptsb.

I was away on a weekend break, only to discover that my PTSB card would not work. Big disappointment and a lot of hassle. Tried to speak to online chat, only to be left dangling. As soon as the local branch opens tomorrow, the account will be closed.

Today I was transferd 4x reps from Scotland,India x2 ,Sunderland. By the end of the call they managed to delete my card had me on hold for at least 90minutes. Do not use this bank unless you are desperate.

Desperate
Zero customer services.
Continuous issues with online services.

I am trying to send money to a saved account and the app says ists incorect account. Wtf is wrong with this people.. everytime they change / upgrade app its getting worse! I am going to a better bank next week.. not recommend this bank its worse bank I was ever with. Goodbye ptsb

Permanent TSB keeps advertising their “upgraded services” and “new app features” but for the past few days I can’t even make a simple bank transfer! Every time I try to enter an amount, I get an error message saying “amount must be a number.” I’ve tried on the app and on my computer, and nothing works. This is appalling basic banking shouldn’t be this frustrating!

Would put 0 stars if it was possible. Permanently ( ha) down. Especially it seems when I have something to important to purchase.

I wouldnt give permanent any stars. I have had nothing but trouble with the app since may 2025. I keep contacting permanent tsb and I would be told do this do that and nothing would work. Then reset your internet password do that and then about few hours later same thing would happen. Put in a complaint because at this stage my app was crashing when I was away and didn't have access to a computer. Still being told try this try that and nothing working , then blaming it on the phone I had. That is not acceptable for online banking in 2025 when they except you to complete everything online. I eventually stopped having trouble in end of july working fine. Now were in august and it starts happening again app crashing , ring up reset my password again and get back in . Now today the app is crashing and I am having no joy getting back in and cant even see what money I have to pay bills. If there was an option to give zero stars I would .

Abhorrent customer service. Got an email in the post informing me that my student account would be changing into a current account (with €8 monthly fees included) and that I would need to visit my 'local' (couple of hours drive down the country) to give them proof that I was still a student if such was the case. I couldn't just do it online, nor visit any branch close by. I was unable to head down until only recently, where I was informed my account had already changed over (don't know when, wasn't notified) and that it was impossible to change back. My only course of action was closing my account entirely and reopening a new one and was told that nothing else could be done. Went along with at least a bit of their advice; going to close my account and reopen it in a different bank.
Also, they have an app that never works as its supposed to despite seemingly hundreds of updates a year + is constantly down.
STAY AWAY.