---
title: "Ebs D.A.C. SWIFT/BIC code EBSIIE2DXXX · Ireland | Elucidate"
description: "Significant institution directly supervised by the ECB. SWIFT/BIC code EBSIIE2DXXX for Ebs D.A.C., Ireland. 2 branch BICs, LEI 549300QS0R6M20VUB380."
url: https://elucidate.co/directory/ebs-d-a-c-ebsiie2d
---

1.  [Directory](https://elucidate.co/directory)
2.  [Ireland](https://elucidate.co/directory/country/ie)
3.  Ebs D.A.C.

Ireland · Credit institution

# Ebs D.A.C.

Legal name in the LEI record EBS DESIGNATED ACTIVITY COMPANY

EBS d.a.c. is a designated activity company registered in Ireland, with its registered office at 10 Molesworth Street, Dublin 2. It is a wholly owned subsidiary of Allied Irish Banks, p.l.c., which is in turn wholly owned by AIB Group plc. The bank holds an Irish banking licence and provides residential mortgages, savings and bancassurance products through its office network. It was founded in 1935 as the Educational Building Society and was acquired by AIB on 1 July 2011 as EBS Limited.

ECB · Single Supervisory Mechanism

Directly supervised by the ECB

Total assets EUR 100–150 bn

Group: AIB Group plc

BIC **EBSIIE2DXXX** LEI **[549300QS0R6M20VUB380](https://search.gleif.org/#/record/549300QS0R6M20VUB380)** Licence no. **Not on a tracked register** Connected to Swift [ECB significant institution](https://elucidate.co/directory/ebs-d-a-c-ebsiie2d#regulatory) [**2** branch codes](https://elucidate.co/directory/ebs-d-a-c-ebsiie2d#branches) [Group: Aib Group Public Limited Company](https://elucidate.co/directory/group/635400AKJBGNS5WNQL34) [Claim this profile](https://elucidate.co/directory/ebs-d-a-c-ebsiie2d#claim)

## Licences and registrations

Matched by LEI on the 22 tracked registers

None matched by LEI in the 22 tracked registers. It is on the ECB list of supervised entities (see [Regulatory status](https://elucidate.co/directory/ebs-d-a-c-ebsiie2d#regulatory)): that is banking supervision, not a licence on a tracked register.

-   The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.

## Regulatory status

### ECB banking supervision

List of supervised entities as of 2026-07-01

- **Classification:** Significant institution
- **Supervisor:** European Central Bank (direct supervision)
- **Listed as:** EBS Designated Activity Company
- **Entity type:** Credit institution
- **Supervised group (ECB):** AIB Group plc
- **Why significant:** Size (Total assets EUR 100-150 bn)

## European registers

### ECB · monetary financial institutions

List as at 2026-09-25

- **Category:** Credit institution
- **Minimum reserves:** Subject to minimum reserves
- **Listed as:** EBS Designated Activity Company
- **RIAD code:** IEEBS-BS

### ESMA · MiFID II register

Register as at 2026-09-28

| Entry | Competent authority | Authorised | Services or instruments |
| --- | --- | --- | --- |
| Investment services (MiFID II) | Central Bank of Ireland (CBI) | 2011-07-01 | A1 A2 A3 A4 A5 A6 A7 A8 A9 B1 B2 B3 B4 B5 B6 B7 |

Service codes follow MiFID II Annex I: A for investment services, B for ancillary services. Hover a code for its meaning.

Entries are matched on the LEI. Each register is quoted as its publisher lists it.

## Swift network

Swift’s ISO 9362 BIC directory

- **BIC:** EBSIIE2DXXX head office
- **Connection to Swift:** Connected to Swift
- **Swift GPI:** Not on the member list
- **Payment schemes and systems:** [SCT · SCT Inst · SDD Core · VOP · T2 · TIPS](https://elucidate.co/directory/ebs-d-a-c-ebsiie2d#schemes)
- **Branch codes:** [2 branch codes](https://elucidate.co/directory/ebs-d-a-c-ebsiie2d#branches)
- **BIC first registered:** 1994-12-03
- **Last updated:** 2018-03-24

## Overview

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/ebs-d-a-c-ebsiie2d#overview-sources)

Total assets

EUR 17.4bn

This entity · 31 Dec 2025 · [annual report ↗](https://www.ebs.ie/content/dam/ebs/pdfs/annual-financial-reports/annual-financial-report-2025.pdf)

Employees

Not published

headcount · This entity · 31 Dec 2025 · [annual report ↗](https://www.ebs.ie/content/dam/ebs/pdfs/annual-financial-reports/annual-financial-report-2025.pdf)

Ownership

Group subsidiary

100% Allied Irish Banks, p.l.c.

Institution type

Commercial bank

Trades as EBS

- **Ownership:** Allied Irish Banks, p.l.c. holds 100% of the bank and is itself wholly owned by AIB Group plc.
- **Direct parent:** [Allied Irish Banks, p.l.c.](https://elucidate.co/directory/aib-public-limited-company-aibkie2d), Ireland 100%
- **Ultimate owner:** AIB Group plc, Ireland
- **Head office:** 10 Molesworth Street, D02 R126 Dublin, Ireland
- **Company register:** 500748, Companies Registration Office (Ireland)
- **Former names:** EBS Limited · EBS Building Society (Educational Building Society)

### Business lines

-   Mortgage lending
-   Retail banking
-   Insurance

According to its 2025 annual report, the bank provides residential mortgages, savings and bancassurance products through its office network, and outsources most of its activities to AIB under a Managed Services Agreement.

### Online

- **Websites & references:** [ebs.ie ↗](https://www.ebs.ie/) [onlinebanking.ebs.ie ↗](https://onlinebanking.ebs.ie/) online banking portal [offices.ebs.ie ↗](https://offices.ebs.ie/) branch (office) locator [Wikipedia ↗](https://en.wikipedia.org/wiki/EBS_d.a.c.)
- **Official social accounts:** [Facebook ↗](https://www.facebook.com/EBS.Ireland/) · [Instagram ↗](https://www.instagram.com/ebs_ireland) · [YouTube ↗](https://www.youtube.com/@EBSBankTV) · [Pinterest ↗](https://www.pinterest.com/ebs_ireland/)

Sources · 10 pages consulted

1.  [ebs.ie/](https://www.ebs.ie/)
2.  [ebs.ie/about-ebs](https://www.ebs.ie/about-ebs)
3.  [ebs.ie/annual-reports-and-results](https://www.ebs.ie/annual-reports-and-results)
4.  [ebs.ie/content/dam/ebs/pdfs/annual-financial-reports/annual-financial-report-2025.pdf](https://www.ebs.ie/content/dam/ebs/pdfs/annual-financial-reports/annual-financial-report-2025.pdf)
5.  [onlinebanking.ebs.ie/EBSOnlineBankingApp/Login](https://onlinebanking.ebs.ie/EBSOnlineBankingApp/Login)
6.  [ebs.ie/support/daily-online-banking-faqs/current-account-faqs](https://www.ebs.ie/support/daily-online-banking-faqs/current-account-faqs)
7.  [ebs.ie/content/dam/ebs/pdfs/savings/ebs-deposit-guarantee-scheme-depositor-information-sheet.pdf](https://www.ebs.ie/content/dam/ebs/pdfs/savings/ebs-deposit-guarantee-scheme-depositor-information-sheet.pdf)
8.  [rte.ie/news/business/2026/0129/1555701-aib-invests-26m-in-branch-network/](https://www.rte.ie/news/business/2026/0129/1555701-aib-invests-26m-in-branch-network/)
9.  [irishtimes.com/business/2026/09/28/cerberus-paid-less-than-half-face-value-for-300m-of-troubled-aib-loan](https://www.irishtimes.com/business/2026/09/28/cerberus-paid-less-than-half-face-value-for-300m-of-troubled-aib-loans-in-project-fir/)
10.  [en.wikipedia.org/wiki/EBS\_d.a.c.](https://en.wikipedia.org/wiki/EBS_d.a.c.)

## Leadership

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/ebs-d-a-c-ebsiie2d#overview-sources)

- **Chief executive:** Paul Butler Managing Director Confirmed 29 Sep 2026 · [ebs.ie ↗](https://www.ebs.ie/)
- **Chair:** Peter Hagan Independent Non-Executive Director and Chair Confirmed 29 Sep 2026 · [ebs.ie ↗](https://www.ebs.ie/)
- **Executive:** Paul Owens Independent Non-Executive Director (Audit Committee chair in 2025) Confirmed 29 Sep 2026 · [ebs.ie ↗](https://www.ebs.ie/)

## Supervisors & regulators

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/ebs-d-a-c-ebsiie2d#overview-sources)

- **Ireland:** Central Bank of Ireland Prudential supervisor Central bank AML supervisor Conduct Resolution
- **European Union:** European Central Bank (Single Supervisory Mechanism) Prudential supervisor
- **European Union:** Single Resolution Board Resolution

## Recent events

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/ebs-d-a-c-ebsiie2d#overview-sources)

1.  Dec 2025

    Leadership

    Ann O'Brien, a non-executive director, resigned from the bank's board on 31 December 2025.

    [ebs.ie ↗](https://www.ebs.ie/content/dam/ebs/pdfs/annual-financial-reports/annual-financial-report-2025.pdf)

2.  Nov 2025

    Other

    The bank sold a portfolio of non-performing mortgage loans with a carrying value of EUR 93 million, as part of an AIB group loan sale.

    [irishtimes.com ↗](https://www.irishtimes.com/business/2026/09/28/cerberus-paid-less-than-half-face-value-for-300m-of-troubled-aib-loans-in-project-fir/)

3.  Jul 2025

    Other

    The Irish Government reduced its shareholding in AIB Group plc, the bank's ultimate parent, to zero.

    [ebs.ie ↗](https://www.ebs.ie/content/dam/ebs/pdfs/annual-financial-reports/annual-financial-report-2025.pdf)

4.  Dec 2024

    Other

    Liquidators were appointed on 16 December 2024 to wind up EBS Mortgage Finance u.c., a dormant subsidiary of the bank.

    [ebs.ie ↗](https://www.ebs.ie/content/dam/ebs/pdfs/annual-financial-reports/annual-financial-report-2025.pdf)

Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.

## Identifiers

Head-office record

- **BIC:** EBSIIE2DXXX
- **How the BIC breaks down:** 1. EBSI Bank 2. IE Country · Ireland 3. 2D Location 4. XXX Branch · head office
- **Branch description:** Not recorded in the directory
- **LEI:** 549300QS0R6M20VUB380
- **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/549300QS0R6M20VUB380)
- **How the LEI was matched:** BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.

## Profile

- **Type:** Credit institution
- **Regulation:** Prudentially supervised (ECB list)
- **Register licences:** None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- **Country · region:** Ireland · Europe & Central Asia
- **Banking supervision:** [Significant · supervised by the ECB](https://elucidate.co/directory/ebs-d-a-c-ebsiie2d#regulatory) as of 2026-07-01
- **Trading venues (MIC):** No MIC registered under this LEI list of 2026-09-17
- **OFAC sanctions:** No listing cites this BIC
- **EU sanctions:** No listing matched this BIC or its LEI
- **Country sanctions:** No country programme

Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.

## Ownership and group

GLEIF relationship records

- **Direct parent:** [Allied Irish Banks Public Limited Company](https://elucidate.co/directory/aib-public-limited-company-aibkie2d) · Ireland[3U8WV1YX2VMUHH7Z1Q21 ↗](https://search.gleif.org/#/record/3U8WV1YX2VMUHH7Z1Q21)
- **Ultimate parent:** Aib Group Public Limited Company · Ireland[635400AKJBGNS5WNQL34 ↗](https://search.gleif.org/#/record/635400AKJBGNS5WNQL34)

The Aib Group Public Limited Company group has 6 institutions in the directory, in 3 countries: all hold a BIC.

Including [Aib, Public Limited Company](https://elucidate.co/directory/aib-public-limited-company-aibkie2d), [Aib Bank](https://elucidate.co/directory/aib-bank-aibkus33), [Aib Mortgage Bank](https://elucidate.co/directory/aib-mortgage-bank-aimbie21), [Goodbody Stockbrokers](https://elucidate.co/directory/goodbody-stockbrokers-gdbsie21), [Aib Group (UK) PLC](https://elucidate.co/directory/aib-group-uk-plc-ftbkgb2b).

[See the Aib Group Public Limited Company group →](https://elucidate.co/directory/group/635400AKJBGNS5WNQL34)

Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.

## Addresses

- **Registered address:** THE EBS BUILDING 2 BURLINGTON ROAD DUBLIN 4 76 IRELAND
- **Operational address:** EBS BUILDING 2 BURLINGTON ROAD DUBLIN DUBLIN 4 POB 76 IRELAND

## ISO 20022 identification

As an agent in a Swift cross-border payment message (CBPR+)

A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.

- **Identified by:** BIC, with its LEI
- **Roles in CBPR+:** Any agent, including the instructing and instructed agents

### CBPR+

For cross-border payments on Swift: the BIC, with the LEI and clearing code where known

```xml
<FinInstnId>
  <BICFI>EBSIIE2DXXX</BICFI>
  <LEI>549300QS0R6M20VUB380</LEI>
</FinInstnId>
```

### Full record

Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC

```xml
<FinInstnId>
  <BICFI>EBSIIE2DXXX</BICFI>
  <LEI>549300QS0R6M20VUB380</LEI>
  <Nm>EBS D.A.C.</Nm>
  <PstlAdr>
    <TwnNm>DUBLIN</TwnNm>
    <Ctry>IE</Ctry>
    <AdrLine>THE EBS BUILDING 2 BURLINGTON ROAD DUBLIN 4 76</AdrLine>
  </PstlAdr>
</FinInstnId>
```

The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.

## Payment schemes and systems

EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28

| Scheme or system | Since | Registered with | Note |
| --- | --- | --- | --- |
| SEPA Credit TransferISO 20022 messages | 2011-12-05 | Branch BIC only | — |
| SEPA Instant Credit TransferISO 20022 messages | 2024-12-02 | Branch BIC only | — |
| SEPA Direct Debit CoreISO 20022 messages | 2010-08-09 | Branch BIC only | — |
| Verification of Payee | 2025-10-05 | Branch BIC only | — |
| T2 (Eurosystem real-time gross settlement)ISO 20022 messages | — | Head office | — |
| TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — |

SEPA dates are when the institution became ready for the scheme. The T2 list names direct participants only and gives no joining date. TIPS entries have no joining date.

An institution missing from T2 may still be reachable through an indirect participant. The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro.

A branch BIC counts only when its LEI or its listed name matches this institution.

“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.

## Network

### Branch network

All 2 branch BICs connect to the head office. They are all in Dublin, and no function or registration year splits them further.

### Branch codes

| BIC | Branch | City | Address | LEI | Updated |
| --- | --- | --- | --- | --- | --- |
| [EBSIIE2DEMF](https://elucidate.co/directory/ebs-d-a-c-ebsiie2d-emf) | EBS MORTGAGE FINANCE | Dublin | EBS BUILDING 2 BURLINGTON ROAD DUBLIN DUBLIN 4 IRELAND | — | 2018-03-24 |
| [EBSIIE2DSDD](https://elucidate.co/directory/ebs-d-a-c-ebsiie2d-sdd) | — | Dublin | DUBLIN DUBLIN IRELAND | — | 2018-03-24 |

[See every BIC in Ireland →](https://elucidate.co/directory/country/ie#bics)

## Related institutions

### Same group

-   [Aib, Public Limited Company BIC AIBKIE2D Credit institution Prudential licence Ireland · On the ECB list of supervised entities · LEI 3U8WV1YX2VMUHH7Z1Q21](https://elucidate.co/directory/aib-public-limited-company-aibkie2d)
-   [Aib Mortgage Bank BIC AIMBIE21 Credit institution Prudential licence Ireland · On the ECB list of supervised entities · LEI 549300CGO72ED3XVUZ04](https://elucidate.co/directory/aib-mortgage-bank-aimbie21)
-   [Goodbody Stockbrokers BIC GDBSIE21 Financial institution Not on a tracked register Ireland · Not on a tracked register · LEI 635400IL71G3SXS7OE16](https://elucidate.co/directory/goodbody-stockbrokers-gdbsie21)
-   [Aib Group (UK) PLC BIC FTBKGB2B Financial institution Not on a tracked register United Kingdom · Not on a tracked register · LEI 54930061N57ORAEPGX16](https://elucidate.co/directory/aib-group-uk-plc-ftbkgb2b)

[All 6 institutions in the Aib Group Public Limited Company group →](https://elucidate.co/directory/group/635400AKJBGNS5WNQL34)

### Largest institutions in Ireland

-   [Danske Bank A/S BIC DABAIE2D Financial institution Not on a tracked register Ireland · Not on a tracked register · LEI MAES062Z21O4RZ2U7M96](https://elucidate.co/directory/danske-bank-a-s-dabaie2d)
-   [Citibank Europe PLC BIC CITIIEA1 Financial institution Not on a tracked register Ireland · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/citibank-europe-plc-citiiea1)
-   [Citibank Europe PLC BIC CITIIE2X Credit institution Prudential licence Ireland · On the ECB list of supervised entities · LEI N1FBEDJ5J41VKZLO2475](https://elucidate.co/directory/citibank-europe-plc-citiie2x)
-   [Bank of America Europe Designated Activity Company BIC BOFAIE3X Financial institution Not on a tracked register Ireland · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/bank-of-america-europe-designated-activity-company-bofaie3x)
-   [Citco Fund Services Ireland Limited BIC CFSHIE2D Financial institution Not on a tracked register Ireland · Not on a tracked register · LEI 635400PJVWAILALN1E67](https://elucidate.co/directory/citco-fund-services-ireland-limited-cfshie2d)
-   [Central Bank of Ireland BIC IRCEIE2D Financial institution Not on a tracked register Ireland · Not on a tracked register · LEI 635400OAUSKT6BT5UZ19](https://elucidate.co/directory/central-bank-of-ireland-irceie2d)
-   [U.S. Bank Europe Designated Activity Company BIC USBKIE22 Financial institution Not on a tracked register Ireland · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/u-s-bank-europe-designated-activity-company-usbkie22)
-   [Zurich Insurance PLC BIC ZURIIE2D Financial institution Not on a tracked register Ireland · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/zurich-insurance-plc-zuriie2d)

[See every BIC in Ireland →](https://elucidate.co/directory/country/ie#bics)

Claim this profile

## Work at Ebs D.A.C.?

Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page.

1.  01 **Submit** Tell us who you are, using your work email.
2.  02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days.
3.  03 **Profile claimed** The page is marked as claimed and verified. You can send us corrections at any time.

Sources & method

Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.

Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.

The sanctions facts on this page cover the BIC and its LEI only.

An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.

[Read the methodology →](https://elucidate.co/directory/methodology)

Credits for this page

-   **Payment schemes and systems**—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate. Source: European Central Bank, List of T2 participants. Source: European Central Bank, List of TIPS participants and reachable parties.
-   **Banking supervision**—Source: European Central Bank, list of supervised entities.
-   **Ownership and group**—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
-   **Overview, leadership, regulators and events**—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
-   **European registers**—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Source: European Securities and Markets Authority (ESMA), MiFID II/MiFIR register (investment firms, trading venues, systematic internalisers, data reporting services providers). Matched on LEI by Elucidate.

## Assess the financial crime risk behind a BIC

A BIC identifies an institution; it does not assess it. The [Elucidate FinCrime Index (EFI)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence.

[Book a demo](https://elucidate.co/demo-request)

Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.