Analysis of Bank of Ireland customer behaviour during the second quarter (Q2) of 2025 shows that contactless payments rose while ATM usage fell, compared to the same period in 2024.
In Q2 2025, eCommerce contactless card transactions (digital wallets, Apple Pay/Google Pay) increased by 2%, whilst contactless ‘tap and go’ payment levels remained the same compared to Q2 2024. Over 1.7 million contactless ‘tap and go’ payments took place on 31 May, with over 830,000 eCommerce contactless card transactions made on 27 June, making those the busiest days for both these types of digital transactions by Bank of Ireland customers in the period.
While contactless payments continue to rise, the number of ATM transactions fell 11% in Q2 2025 compared with the same period last year. This continues the decline in ATM transactions (also 11%) in the first three months of 2025 as the popularity of digital banking grows.
Meanwhile, biometric logins to the mobile banking app have also continued to grow in popularity, up 26% for Q2 2025 compared to the same three months in 2024, showing an increasing desire from customers to interact with our services in secure ways that suit their needs. Nearly 12.5 million biometric logins were recorded in total during April, May, and June, with the volume of logins via the traditional ‘3 of 6’ PIN relatively flat.
On Thursday, 1 May over 1.6 million logins were recorded across Bank of Ireland’s iOS and Android mobile apps, the busiest login day in Q2. Total logins to the mobile app increased by 3% for Q2 2025 from Q2 2024.
Ciaran Coyle, Group Chief Operating Officer, said: “There is a steady trend in consumers increasingly engaging with digital payments options, as the ease and flexibility of making both eCommerce transactions and digital wallet payments suits their busy lives. We continue to invest in and enhance our digital banking services offering payment speed and security around the clock.”