Halifax

The company was founded in 1965 as Equity Bank Limited. In 1999, it was purchased by the Governor and Company of the Bank of Scotland. Later, the parent company established its own brand in the Irish market through the direct sales of mortgages from Edinburgh. Following this, it was decided to rebrand the existing Irish operation as Bank of Scotland (Ireland) in 2000.

In 2001, the bank purchased ICC Bank plc from the Irish State. This company, originally established as the Industrial Credit Company, and later known as Industrial Credit Corporation plc, was set up in 1933 by Seán Lemass in the Irish Free State to encourage investment in industry. The company was modelled on the Agricultural Credit Corporation (later renamed ACC Loan Management, also defunct).

In 2004, the company took over the direct mortgage sales business from its parent company, and moved it to Dublin. Major new offices were also opened in a brand new building in Limerick, named "Bank of Scotland House" (formerly the site of the Carlton Cinema).

In 2005, the company announced that it was taking over the Electricity Supply Board's ShopElectric chain of retail outlets, and turn them into a network of branches. This made the company the fourth-largest bank in Ireland, with 46 branches. The company detailed its retail banking plans on 10 January 2006, the first three branches opened the following day, as well as a call centre in Dundalk, County Louth. This put it in direct competition with Permanent TSB as well as National Irish Bank, the smallest of the traditional Big Four. The banks became the first Irish bank to open on Saturday as standard.

Following the merger of Halifax and Bank of Scotland to form HBOS, in August 2006, the bank announced that it would adopt a two-brand strategy, re-branding as Halifax for its retail business and retaining the Bank of Scotland name for its commercial customers.

In 2007, Halifax announced the launch a personal current account paying 10% interest on credit balances up to €2000 to customers lodging €1500 or more per month. The bank further announced that it was the first in Ireland to offer a Visa Debit card rather than the Laser debit card issued by other Irish banks back then, which had restricted usability outside Ireland.