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Bank of Ireland Representatives

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Lost 300+ euro because of BoI's credit card :-(

07.10.2019 14:45 #1
I've rented a car in Roma Ciampino using Ryanair service. For two weeks holiday it's cost was about 170 euro.

When me and my spouse have arrived to car rental office (Interrent) office staff refused to provide a car to us because our credit cards (both issued by BoI) are not valid and we cannot use them for deposit for insurance excess. We were explained the problem is by some rules credit card should have full owner's name on it - literally full: full first and the last name (not sure may be middle name as well). The fact we had passports and driving licenses and debit cards on same name with us didn't change anything - the staff was refusing our credit cards with abbreviated first name on them.

After couple of hours debating with car rental staff we found we have no other way to obtain a car and reach our destination (~200 km from airport) is to buy full ensurance from Interrent to avoid the need in deposit. Cost we had to pay was 306.95 euro.

I'd like to have these money refunded by BoI since we were forced to pay for non-needed insurance service only because BoI have provided invalid credit cards to us.

Also, it would be not bad if BoI would update our credit cards to met EU regulations since we are going to Europe again soon.

08.10.2019 12:05 #2
Hi there,

Thanks for getting in touch with us here on

We're very sorry to hear of your poor experience with the car rental company while you were on your holidays. We appreciate you taking the time to post and we will certainly forward on your experience to our card services development team.

It might be best to link in with the car rental company to raise a formal complaint with them. It appears from your post that you were not made aware of this policy prior to your trip. We would also suggest that you check their terms and conditions to see if this is mentioned. They seemed very over-zealous to implement this policy. Your Credit Card would certainly have the facility to complete this transaction.

I've attached a link to our complaints process below if you'd like to log your dissatisfaction with us formally about your experience.

A new replacement card request can be sent to you with the name printed in full on the card. To do this please drop into your closest branch with photo ID and they will be happy to arrange for a new card to be sent in the post.

Many thanks,
05.11.2019 00:41 #3
Hi Kathryne,
Thank you for pointing all the steps and providing a link to make complaint on BoI site.

I did follow your instructions - have sent complaint to the car rental company by e-mail. Not surprisingly it was ignored.

I also have compared car rental voucher with previous one (May 2019) - yes, requirement to have full name on the credit card was added into last one.

Next step we have raised case to BoI (please let me know if you need case ID for more details) and got response last Friday, in short:

1. Abbreviated names on the cards.

"I can confirm that your Bank of Ireland Credit Cards are valid. The bank is not aware of any such rules that state the full name must appear on the card." also <staff member> explained  that number of characters is limited on the card, therefore it is often necessary to abbreviate names.

For me this argument sounds very valid explanation, but does not refer any Mastercard's regulations. My understanding Mastercard should enforce some rules for all users (banks, customers, sellers) of their payment system to prevent abuse like this car rental does.

Given <staff member>'s expertise I think refusal of accepting credit card with no full name on it may contradict Mastercard's rules, but i was unable to get in touch with Mastercard in relation to this issue, but e-mail provided on their website does not appear working.

Could Bank help me somehow to obtain Mastercard's explanation in relation to the issue?

2. Refund of payment

"The bank has no control over the rules set down by the car hire company and cannot comment on their decision to refuse you a car or levy the additional charge to your Visa Debit card. The bank is happy that both your Credit Cards are valid. In light of the foregoing I am unable to refund this charge to your current account. I respectfully request that you pursue the matter directly with Gold Car Roma / Ryan Air"

But i still need bank to comment on decision to accept my credit card by car rental. I'd need some references to confirm to car rental that their requirement to have full name on the card is not valid... Or this is valid requirement and i should expect my credit card could be randomly refused by sellers?
Last edited by Niamh: 05.11.2019 at 13:53. Reason: staff member name removed
05.11.2019 15:27 #4
Hi there,

Thank you for linking back in with us here, it's nice to hear from you.

We're sorry to hear that the car rental company have not acknowledged your complaint.

We have checked with our card services team and they have confirmed that we are unaware of any rule that states your full name must be on the card. As our colleague in our complaints team advised, your Credit Card would be valid for this transaction and this additional charge was the result of the car rental's own policy. The terms and conditions of the third party car rental company I'm afraid is not something we would have any control over. You may certainly contact MasterCard to discuss this further on their side.

You can follow up this query with MasterCard by visiting their "Contact Us" section on the website. Please click here https://www.mastercard...n-ie/contact-us.html to view your options to contact their Team.

We hope that the car rental company will respond to you soon to shed some light on why this type of restriction in within their policy.

Thanks again for reaching out to us,
07.11.2019 22:40 #5
Hi Kathryne,
Thank you for the response.
The page https://www.mastercard...n-ie/contact-us.html is that place where i found e-mail which is not working.

If you interested in technical details this is a trace which i have received from their mailing system:

Diagnostic information for administrators:
Generating server:
Remote Server returned '550 5.7.1 RESOLVER.RST.AuthRequired; authentication required'
Original message headers:
Received: from ( by ( with Microsoft SMTP Server
(TLS) id 15.0.1497.2; Mon, 4 Nov 2019 18:51:04 -0600
Received: from ( by ( with Microsoft SMTP Server
(TLS) id 15.0.1497.2 via Frontend Transport; Mon, 4 Nov 2019 18:51:04 -0600
Received: from localhost.localdomain (localhost [])
by (Postfix) with SMTP id 476WLc0r8zzMv1Ch
for <>; Mon, 4 Nov 2019 18:51:04 -0600 (CST)
Received: from (unknown [])
by (Postfix) with ESMTPS id 476WLb5XFRzMv1FV
for <>; Mon, 4 Nov 2019 18:51:03 -0600 (CST)

For the phone contact they are recommending "call the phone number found on the back of your Mastercard or Maestro card." which i believe is BoI itself in this case (unfortunately these numbers aren't readable).

In any case BoI is customer of MasterCard, not me. Could your company please contact MasterCard and get definitive response is car rental has proper requirement or they have to accept MasterCard with abbreviated names. And why. On their rules page https://www.mastercard...hat-we-do/rules.html i haven't found anything in relation to this. The "we are unaware" is not considered valid response - i cannot claim refund from the company in the court basing on the fact that my bank is unaware about issues affecting validity of my card issued by them.
08.11.2019 15:45 #6

Thanks for coming back to us.

We're going to check with our card product team and see if they have any additional information they can add to our previous responses and we'll be back to you.

Many thanks,
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