Personal Current Account

You can apply for a current account on its own, or you can apply for multiple products such as an Overdraft, Credit Card, and an Instant Access Demand account in the one form.

Apply Now

Key Features

Additional Extras:

You can apply for additional products to enhance your day to day banking package. Use our Multi Product Form to apply in addition to a personal current account in a single application form.

  • Overdraft – manage your money with an agreed overdraft amount.
  • Instant Access Demand – Money Pot ringfence or park funds from your main account.
  • Credit Card – Choose from a range of cards to suit your needs.

How to Apply

You can use our online forms below to apply in minutes – whether you only want to apply for a current account, or multiple products. Our online application is really easy. Just complete the online application with your personal information, take a selfie when prompted, and upload your address verification documents.

You can also call us if you have any questions, or you can call into a Bank of Ireland branch.

Apply Now

Current Account Comparison

Current Account Type Personal Account Basic Bank Account Second Level Account Third Level Account Graduate Account Golden Years Account
To be eligible you must be:

18 years or older

Resident in the RoI

18 years or older

Legally resident in the EU

Aged 12-18

Resident in the RoI

A full time 3rd level student or in a CAO-recognised postgrad course

Resident in the RoI

Graduated from a 3rd level or postgrad course within the last 3 years

Resident in the RoI

66 years or older

Resident in the RoI

Access to online, mobile and phone bankingYesYesYesYesYesYes
Debit Card ContactlessYesYesYesYesYesYes
OverdraftYesNoNoNoYesYes
Monthly fee for maintaining the accountYesNoNoNoNoNo
Can a direct debit or standing order be set up?YesYesNoYesYesYes
Apply More info More info Apply Apply Apply More info Apply
Personal Current Account

To be eligible you must be:

18 years or older

Resident in the RoI

Access to online, mobile and phone banking: Yes

Debit Card Contactless: Yes

Overdraft: Yes

Monthly fee for maintaining the account: Yes

Can a direct debit or standing order be set up?: Yes

Apply Online Find Out More
BASIC BANK ACCOUNT

To be eligible you must be:

18 years or older

Legally resident in the EU

Access to online, mobile and phone banking: Yes

Debit Card Contactless: Yes

Overdraft: No

Monthly fee for maintaining the account: No

Can a direct debit or standing order be set up?: Yes

Find Out More
YOUNG SAVER ACCOUNT

To be eligible you must be:

Aged 0-12

Resident in the RoI

Access to online, mobile and phone banking: No

Debit Card Contactless: No

Overdraft: No

Monthly fee for maintaining the account: No

Can a direct debit or standing order be set up?: No

Apply Online Find Out More
SECOND LEVEL ACCOUNT

To be eligible you must be:

Aged 12-18

Resident in the RoI

Access to online, mobile and phone banking: Yes

Debit Card Contactless: Yes

Overdraft: No

Monthly fee for maintaining the account: No

Can a direct debit or standing order be set up?: Yes

Apply Online Find Out More
THIRD LEVEL ACCOUNT

To be eligible you must be:

A full time 3rd level student or in a CAO-recognised postgrad course

Resident in the RoI

Access to online, mobile and phone banking: Yes

Debit Card Contactless: Yes

Overdraft: No

Monthly fee for maintaining the account: No

Can a direct debit or standing order be set up?: Yes

Apply Online Find Out More
GRADUATE ACCOUNT

To be eligible you must be:

Graduated from a 3rd level or postgrad course within the last 3 years

Resident in the RoI

Access to online, mobile and phone banking: Yes

Debit Card Contactless: Yes

Overdraft: Yes

Monthly fee for maintaining the account: No

Can a direct debit or standing order be set up?: Yes

Apply Online Find Out More
Golden Years Account

To be eligible you must be:

66 years or older

Resident in the RoI

Access to online, mobile and phone banking:: Yes

Debit Card Contactless: Yes

Overdraft: Yes

Monthly fee for maintaining the account: No

Can a direct debit or standing order be set up?: Yes

Apply Online Find Out More

Fees

Enjoy range of features and services you would expect from a personal current account with single fee of €6 per month.

We do not charge individual fees for domestic euro current account transactions, account services, and replacement items, unpaid items, and referral items.

  • View our Fee Information Document for Personal Current Account – this informs you about fees for the main services linked to this account. It also helps compare these fees with those of other accounts.
  • View our Glossary of Terms – this explains in plain English the terms that we and all EU financial service providers commonly use, for payment services and customer accounts.

Some additional Fees and Charges may apply, for example -Government Stamp Duty, international and interbank transactions.

For details of the fees and charges that apply to our Personal Current Account, see our brochures below, also available in any Bank of Ireland branch.

Terms & Conditions

These are the Terms and Conditions that apply to the Personal Current Account – download here: