EBS

EBS d.a.c. is an Irish retail financial institution focused on residential mortgages and deposit-taking, operating as a wholly owned subsidiary of AIB Group plc and regulated by the Central Bank of Ireland. The product set centers on owner-occupier home loans (including options for first-time buyers, movers, switchers, and self-build) offered on fixed and variable rates, alongside a limited range of savings products such as regular saver and fixed-term deposits; it does not provide current accounts, debit or credit cards, overdrafts, or business banking. Mortgage lending follows Central Bank loan-to-income and loan-to-value rules and standard affordability and credit assessments; applicants typically need proof of identity, address, income, and evidence of savings, and should budget for third-party costs such as valuations and legal fees, as well as mortgage protection and home insurance. Savings accounts are subject to Deposit Interest Retention Tax where applicable, and eligible deposits are covered by the Irish Deposit Guarantee Scheme up to €100,000 per depositor. Access is available through a national network of EBS offices and agents, telephone channels, and online services for savings; certain applications and changes may require in-branch or assisted support. Interest rates and eligibility criteria are published by EBS and may change without notice. Consumer protections apply under the Central Bank’s Consumer Protection Code, with complaints handled through EBS’s internal process and the Financial Services and Pensions Ombudsman if unresolved.