Halifax has started to close its branch network in the Republic.
The withdrawal of the bank from the market here was announced by Halifax owner Bank of Scotland earlier this year, resulting in 750 job losses.
21 of the 44 Halifax branches closed at 5pm, with the remaining 23 branches shutting next Wednesday.
The bank is also closing its Bank of Scotland (Ireland) Asset Finance and Homeloans divisions to new business. Those with existing mortgages can stay put.
Halifax has not revealed how many customers have not yet closed their accounts - it had 50,000 credit card and 50,000 current account holders.
Halifax credit cards will no longer work from today, and those who owe money will be offered a revised payment deal.
Money will be returned to current accounts holders in credit, after customers contact the bank to arrange details.
If the customers have an overdraft that will be changed into a loan with interest rates between 10 and 13.5% interest, depending on the state of the account and after customers contact Halifax.
