Who we are

The Financial Services Ombudsman is a statutory officer who deals independently with unresolved complaints from consumers about their individual dealings with all financial service providers. It is a free service to the complainant. We have set up a wide range of general information on our site. If you would like further information we would be delighted to hear from you.

Who can the Ombudsman help?

  • Personal customers of financial services providers
  • Limited Companies Charities, Clubs, Trusts and Partnerships with turnovers of less than €3 million

Which financial service providers can the Ombudsman investigate?

  • Banks
  • Building Societies
  • Insurance Companies
  • Credit Unions
  • Stockbrokers
  • Health insurance companies
  • Money Lenders
  • Bureaux de Change
  • Hire Purchase providers
  • Mortgage, Insurance & other credit intermediaries
  • Retail Credit Firms
  • Home Reversion Firms

Important Notices


Code of Conduct on Mortgage Arrears (CCMA)

The Financial Services Ombudsman notes the findings of the Central Bank's investigation into certain lenders adherence with the statutory Code of Conduct on Mortgage Arrears (CCMA). This Code is intended to provide protection for borrowers struggling to keep up mortgage repayments. Customers who have a concern or complaint regarding their lenders' compliance with the CCMA, or any other issue under the remit of the Financial Services Ombudsman should firstly make a complaint to the service provider. If the provider does not resolve the complaint to their satisfaction they may then lodge a complaint with the Financial Services Ombudsman's Bureau.

I have a complaint

What should I do first?

You need to make a formal complaint to your financial services provider before making a complaint to this office.

Helpful information when making a complaint to the provider

2. Once you have completed this step you can submit your complaint to us

Online Complaint Form



Not sure if you can submit a complaint? Find out the answers to your questions below.

Review Process

Learn about the procedure for the investigation of a complaint and how we reach a decision.

Complaint Submission

How to submit your complaint if it has not been resolved with your financial services provider.