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eir mobile IOU

Make sure you never get stuck without credit again!
You can now borrow credit and pay it back when you top up again.

Borrow credit and pay it back later

€2
IOU
You’ll get €2 credit to spend and the next time you top up, the €2 credit will be deducted along with a 20c service charge.

How to opt in?

Freetext IOU2 to 50104

€4
IOU
You’ll get €4 credit to spend and the next time you top up, the €4 credit will be deducted along with a 30c service charge.

How to opt in?

Freetext IOU4 to 50104

What do I need to know about IOU?

  • You must have topped up within the last 3 months
  • Only one IOU at a time

Terms & Conditions

Would you rather top up now?

Its easy to top up your own number or gift top up to someone else. You can top up by €5, €10, €20, €30, €40, €50 or €60

Top up online now

eir mobile IOU FAQs

How does IOU work?

When you request an IOU of either €2 or €4, we add your requested amount to your account. If you started with €0, and ask for €4 for example, your new balance will be €4. You can then use this credit as you like.

The IOU will activate instantly. We’ll send you a text to let you know when you can start using it. We will also send you a text to a let you know when we have debited your balance for the IOU service.

Please note you cannot cancel your IOU request.

How do I opt in?

Freetext 'IOU2' to 50104 to avail of the €2 IOU credit. The next time you top up we'll deduct the IOU from your credit and a 20c service charge. Freetext 'IOU4' to 50104 to avail of the €4 IOU credit. The next time you top up we'll deduct the IOU from your credit and a 30c service charge.

You can only avail of one IOU between top ups.

Please note you can only opt into IOU by text message. This service is not available through myeir, customer care or any retail stores.

What happens when I top up?

The next time you top up we’ll deduct the IOU you used plus the Service charge.(If you’re availing of a top up offer, your offer will activate first, then we’ll take the credit and charge for the IOU from your phone. For example if you borrowed the €2 IOU and only used €1 of it we’ll debit €1.20; €1 for the credit you used, 20c for the charge of using IOU).

I received a text message advising my request was unsuccesful. Why was this?

You may not have met the criteria for using IOU. To use IOU you will need to: -Be a prepay customer on our network.

-Have topped up in the last three months.
-Made three chargeable calls /SMS's in the last 3 months.
-Have topped up since using your last IOU.

The IOU can only be used once between top ups.