Graduate Current Account
If you have graduated from full time third level education in the last three years, you can apply for a graduate current account. Terms and conditions apply to this account.
Being a graduate means making important life choices. We offer a fantastic range of benefits and expert financial advice to help you on your way.
Whether you're about to start work or travel for a while our graduate current account has been specially developed to help you make the most of your options.
Features
At Bank of Ireland we understand your long-term potential and we value your business - both now and in the future.
With a graduate current account, you will not be charged fees for the following day to day banking transactions for two years:
- Lodgements
- Direct Debits and standing orders
- Debit card transactions and cash back (For Debit Card, ATM & (Point of Sale) transactions and cashback there may be fees and charges for using your card (Visa Debit or Cirrus/Maestro card ) when abroad. For full details see our brochure “Schedule of Fees and Charges for Personal Customers” available in branch or online.
- Debit/credit transactions using 365 online or phone
- Withdrawals at Bank of Ireland ATMs or in branches.
AND
The following products are also available (subject to application and approval):
Rates
For details of our Graduate overdraft rates, please click here Overdrafts.
Fees and Charges
With a graduate current account, you will not be charged fees for the following day to day banking transactions for two years:
- Lodgements
- Direct Debits and standing orders
- Debit card transactions and cash back (For Debit Card, ATM & (Point of Sale) transactions and cashback there may be fees and charges for using your card (Visa Debit or Cirrus/Maestro card ) when abroad. See our brochure “Schedule of Fees and Charges for Personal Customers” for full details of charges that may apply to the Graduate Current Account.
- Debit/credit transactions using 365 online or phone
- Withdrawals at Bank of Ireland ATMs or in branches.
Schedule of Fees and Charges for Personal Customers
Summary Graduate Current Account Fees & Charges
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Terms and Conditions
If you have graduated from full time third level education and have graduated in the last three years, you can apply for our Graduate Current Account. Terms and conditions apply to this account.
The following Terms & Conditions apply to all Personal Current Accounts from 1 January 2012.
Download the Terms & Conditions for Personal Current Accounts January 2012 (PDF 195KB)
To read these files you will need the Adobe Acrobat Reader, which is available free of charge from Adobe's Website. Download PDF reader.
- To qualify for Graduate Banking you must be a proven Graduate of full-time third level education and have graduated in the last three years. Graduate Banking and associated benefits are valid for a period of 2 years from the date you avail of the Graduate current account. The Graduate current account and associated Graduate Banking products are subject to terms and conditions. Some additional fees and service charges may apply. For full details see our brochure 'Schedule of Fees and Charges for Personal Customers' available in any branch or online. Transaction free banking for 2 years includes Cirrus (ATM) withdrawals and Maestro (Laser) payments in Euro within the EU, Iceland, Norway and Liechtenstein. There is an additional charge for all other Cirrus/Maestro transactions. Charges for international payments apply to all accounts. For full details of all additional fees and service charges see the Bank's 'Schedule of Fees and Charges for Personal Customers' and "Schedule of International Transaction Charges". Government Duty applies to ATM and Laser Cards and to cheques.
- Lending criteria and terms and conditions apply to loans, credit cards and overdraft applications. Some additional charges may apply to overdrafts. After your 2 years Graduate Package has passed a fee of €25 will apply for any negotiation and annual renewal in respect of an overdraft facility fee.
- Terms and conditions apply to all savings accounts.