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 intermediaries
  • Retail Credit Firms
  • Home Reversion Firms


The Statutory Instruments commencing the FSPO Act and establishing the newly merged FSPO organisation have been signed and published by the Minister for Finance Paschal Donohoe.

The establishment date for the FSPO is 1 January 2018

Complaints over 6 years

On 14th July 2017, the Central Bank and Financial Services Authority of Ireland (Amendment) Act 2017 was passed by both Houses of the Oireachtas, and it was signed into law by President Higgins on the 25 July 2017.

This legislation will have significant implications as it will amend the current 6 year limitation period for certain types of complaints. Arising out of this change, this Office expects to receive a large number of queries in relation to complaints which previously could not be dealt with by this Office.

Any complainant who has had a complaint to this Office previously declined because of the date of the conduct complained of, may now resubmit that complaint for consideration.

To register such a complaint, click here. We will acknowledge all complaints at the time of receipt, and will keep complainants updated on timeframes in the normal fashion.

We anticipate a high volume of queries and complaints to be submitted on foot of this change. We would ask consumers to be patient while we deal with these.

Please find a link to the legislation here


Tracker Mortgages

If you have a query or wish to make a complaint about tracker mortgages please contact our tracker team by calling 01 567 7077 or emailing tracker@fspo.ie


Looking for information on your consumer rights or personal finance?

Visit the Competition and Consumer Protection Commission's (CCPC) Website
The CCPC's role and function includes:

  • Personal finance information and education.
  • Informing consumers about their rights

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


Other Quick Guides

Download our Quick Guides


How to make a complaint about a financial service provider in another EEA country

FIN-NET is the Europe-wide network of financial ombudsmen and consumer-complaints organizations - covering the 30 countries in the European Economic Area. It is responsible for settling consumers' complaints in the area of financial services out of court.

Find out more https://ec.europa.eu/


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

Complaints Process

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

Codes of Conduct

Read some useful consumers guidance relating to the provision of financial services.