# Bank of Ireland UK Credit Card — user reviews > 56 indexed App Store user reviews of Bank of Ireland UK Credit Card by Jaja, rated 5.00/5 from 1 ratings. - Source: https://appshunter.io/ios/app/bank-of-ireland-uk-credit-card/id1515257195/reviews - App overview in markdown: https://appshunter.io/ios/app/bank-of-ireland-uk-credit-card/id1515257195.md - Rating breakdown: 5★ 1 · 4★ 0 · 3★ 0 · 2★ 0 · 1★ 0 ## Newest reviews (15 of 56) ### 1/5 — Worst app and customer service team *2024-05-18, version 6.7.0* Terrible all with little to no features. May as well be talking to a brick wall when talking to the customer support team ### 1/5 — Can’t get help at all *2024-04-08* Can’t make purchases with credit card. App chat help has left me sitting for 3 days with no come back. Phone call assistance call back disconnected every time I answered. On eventually getting through to assistance, was told they were not allowed to tell me issue with my card and would be called back. Online complaint form gives no indication that the complaint has been submitted and no confirmation email. Definitely considering cancelling this service altogether. ### 1/5 — Frustrating and glitchy *2024-03-19* This app is maddening, it’s constantly freezing, crashing etc. After 6 failed attempts to pay off my balance I’m deleting and reinstalling to see if that solves the issue. ### 1/5 — Awful *2024-02-20* In this day and age, a banking app shouldn’t be as awful to use as this one. It hardly works, it’s stuck on the opening screen nearly every time I try to use it. Not much use for trying to check your balance or make a payment. Pathetic attempt at at banking app. ### 1/5 — Awful app *2024-01-30, version 6.4.0* The app is awful and rarely works ### 1/5 — A hopeless bank. *2023-12-22, version 6.3.1* After over 20 years with BoI Credit Card Ja Ja take over has broken it. It won’t load the app and help online is closed. It doesn’t allow Apple Wallet.Jaja web says it connects to Apple Wallet. It’s Impossible to work as with other bank cards ### 1/5 — Ancient *2023-05-18, version 5.13.0* Ancient useless app. Bank of Ireland are at least 20 years behind current technology ### 1/5 — Bank of Ireland terrible *2023-02-20* Since Jaja finance took over bank of Ireland credit card the service is awful. My wife and I only use our cards on rare occasions. But they never send a bill, an email, a notification your payment is due. I have used the card 3 times in the last year and have got late fees 3 times, unacceptable! ### 1/5 — Visa Payments *2023-02-10* There should be a notification pop up on the app as a reminder to make a payment. I very seldom use this card + forget to pay by a few days but if there was an email or some sort of notification I would pay on time instead of incurring a late payment fee. ### 1/5 — No longer use this card! *2022-12-29, version 5.12.0* I had left a review 9 months after trying to register with this app and now I decided to update my review now it’s 2 years after trying to first register my card on this app……and guess what….IM STILL NOT REGISTERED. I’ve been a customer with bank of Ireland for over 25 years and I’ve changed banks now thank goodness. I contacted them 8 times by telephone to tell them the problem that my details were always incorrect even though I am more than sure I do know what my date of birth is and that I could read the numbers that were on the card but it kept saying your details are incorrect. I knew that the problem was that I was not able to get a verification code of any type through my text and had checked numerous times to make sure my mobile number was correct and they agreed but continued to send me round and round in circles to the point that I no longer wanted to waste my time and change the bags. The fact that they were very nice and telling me how I could pay my card over the phone did not help that I cannot actually use my card to purchase anything online because I require a verification code that does not come through to my mobile phone so it was a case of going round and round and round again. I would love to know if anyone else has had this problem and has actually been able to register their card 2+ years later please let me know thank you. ### 1/5 — Too complicated *2022-12-10* The process for paying off the credit card is too complicated, having to switch between apps. I have a hsbc credit card and the process is much more straight forward. ### 1/5 — Unreliable *2022-12-03, version 5.11.1* I find both the BOI credit card and now debit card unreliable, it’s taken me 3 attempts to make this payment over a number of weeks. I will be leaving the bank ### 1/5 — Waste of time *2022-11-17* I have tried over 20 times over numerous weeks to register my credit card on the app with to no avail. Enter all the details then at the end it says the service if not available at this time. Terrible app. I can’t use my credit card as a result as I can’t authorise payment. I’ve been with bank of Ireland for years but their technology always lets them down. Have no choice but to change bank, can’t even use my credit card. ### 1/5 — Terrible app! *2022-11-01* The total after using to purchase items is never right. Takes a few days for it to update properly! To be honest this needs a lot of work to make it better. So sad as I’ve been with bank of Ireland from a child and I am going to switch banks that makes life easier financially. ### 1/5 — Too much verification required *2022-08-30, version 5.8.0* It’s a chore to move between desktop/iPad and phone to verify payments. It means we end up tethered to smartphones. Passwords are enough. ## Most critical reviews (10 lowest-rated) ### 1/5 — Customer Service *2026-06-08* Bank of Ireland credit care customer service is diabolical. Frozen card which I understand to protect consumers, however can only contact AI. Spent 3 weeks and numerous hours of my time attempting to sort, payments linked to card which have been refused. Card now expired and can’t make payments but still taking interest. Have all my business with BOI and been with them for over 35 years. Going to move all my accounts, don’t understand how treating people like this will help them stay in business. Eventually got to speak to real person after 3 weeks - Molly the only plus in this situation! Still ongoing!!!!!😡😡 ### 1/5 — Worst app *2025-11-26, version 8.13.0* Bank of Ireland should be embarrassed that this is their credit card app. Constant maintenance windows during working hours, takes forever for transactions to be verified. General all round shocking customer experience. ### 1/5 — Additional Cardholder unable to have app *2025-08-14* There appears to be a major part missing on this app. Information on app and from support suggests that an additional cardholder can download app to monitor spending. To do this you must go to Manage cards and confirm their mobile number to get a link! There is no option anywhere to enter mobile number. The facility simply is not in the app or on the website account options either. Not very impressive for a financial institution - no ability to monitor spending by additional cardholder. ### 1/5 — Set up quick payment link *2025-06-30, version 8.6.0* Tried to link my BOI credit card with my BOI current account, but states there was an error and gave me me redress to remedy the issue ### 1/5 — One off payment *2025-06-11, version 8.5.0* This feature did not work properly ### 1/5 — Not good *2025-05-14, version 8.4.0* The app continues to crash since the last update 🙈 it’s now 3 months since I was last able to access my account online ### 1/5 — Not good *2025-04-10, version 8.2.0* The app keeps crashing since the last update. ### 1/5 — OTT *2025-03-04, version 7.2.1* New version of the app is too heavy on security- what was wrong with touch or face id??? ### 1/5 — Terrible App - not fit for purpose *2024-09-30, version 7.0.0* Terrible app with poor customer service. ### 1/5 — Apple Pay *2024-08-28, version 7.0.0* Been promising for years to add Apple Pay capability, “their technical team are working on it” It’s just a finance company flagged with the Bank of Ireland name.Avoid ## Most praised reviews (9 highest-rated) ### 5/5 — Payments *2023-05-01* So handy an very easy to make a payment ### 5/5 — Useless app *2022-03-08* Just setting up the BoI app as instructed and already my passcode is not recognised and the “easy” way to reset it doesn’t work! Come on BoI, if you’re going to make customers use an app to make payments, the app has to actually work!!! ### 5/5 — Pathetic company to deal with. *2021-06-15* Tried several times over 6 months to register. Keeps informing me my details are incorrect. I finally got it sorted, then, it refused again to acknowledge my details. Bank of Ireland has no customer care, they sold off to an inferior company. They should remove the Bank of Ireland name from the credit card. Between selling the credit card business and closing branches, it would appear that. Of I has no interest in customer care or service. ### 5/5 — A COMPLETE DISASTER *2021-02-05, version 1.0.12* I have tried countless times to register my card, using the correct information I always get the “incorrect information unable to register” message. Despite umpteen phone calls requesting paper statements none have been received, I have not been able to see my transactions since August last year. JaJa can’t show me my statement but they can easily access my bank account and take payment. I pay in full by direct debit, my last bill was almost £1000, paid in full without being able to check it, when I read another review citing a double charge I’m wondering if my bill was correct!!! If this eventually is resolved I fully intend to spend no more than £10 per month, pay in full as usual just to keep the card ‘live’ as closing one can have a detrimental effect on credit score! BOI should have stepped in and kicked these cowboys into touch ### 4/5 — Easy app *2022-10-05, version 5.8.0* Pretty good app ### 3/5 — Unable to log off - why so hard? *2022-10-02* As with most banking apps it seems wise to log out before closing the app. Here, there is indeed a sign out option, and it directs to a page asking for the pin - but once put in it brings me back to my home balance page. This could do with being sorted. ### 2/5 — Payment delay *2022-11-14* I fail to see, in this day and age, why a payment takes days to apply to the account. More interest for the bank in question would unfortunately appear to be the only answer….. ### 2/5 — Lack of integrity *2022-09-20, version 5.8.0* Poor customer service. ### 2/5 — Transfer of money *2022-08-23* Had a big problem on 19th August as the app “froze “ and I was unable to transfer money within my bank in a family emergency. I tried several times and was blocked. However on Monday 22nd August the app was restored without any bank input. Not a good experience!! --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-03.*