Standard Current Account

• Convenience - over 275 branches nationwide and cash at over 2,000 ATMs.
• Access your account 24 hours a day with Bank of Ireland phone and online services.Terms and Conditions apply.
• Debit card. Our debit card offers you a convenient way to pay for goods and services.
• Top up your mobile phone.
• Set up standing orders and direct debits.
• Overdraft facility for extra cash. Lending terms and conditions apply. Customers must be over 18 to apply for this facility. There is an annual overdraft facility fee of €25

No Transaction Fees Offer

Our No Transaction Fees Offer means customers who meet certain qualifying criteria are not charged the quarterly account transaction fees on their Standard Personal Current account for the following:

• Withdrawals.
• Lodgments.
• Direct debits and standing orders.
• Debit card transactions and cash-back. Charges may apply to debit card transactions when made abroad. Refer to the schedule of fees and charges
• Cheques

See our brochure "Schedule of Fees and Charges for Personal Customers" for full details of fees and charges, including Government Stamp Duty and interest surcharges, that may apply to your personal current account.

To qualify for this offer in the fee quarter you can either:

1. Lodge  at least €3,000 in your Personal Current account AND make 9 debit payments from that account using 365 Phone/Online and/or Mobile banking over the course of a fee quarter (This is the equivalent of a €1,000 net salary lodgement and 3 payments per month). Payments made by standing order or direct debit do not qualify as 365 Phone/Online and or Mobile banking payments for the purpose of this offer.

OR

2. Maintain a minimum credit balance of €3,000 in your Personal Current account throughout the full fee quarter. Please refer to our Schedule of Fees and Charges for specific dates for our fee quarters.

Lodgements received and payments made after cut off times or anytime on a non-banking day (i.e. Saturday, Sunday or bank/public holiday) may not be reflected in the account until the following working day. There are different cut off times for different transactions. Please contact your branch for details. Our No Transaction Fees Offer is based upon the overnight balance that appears on your regular statement. There may be a difference between this balance and other sources of balance information available such as ATM, online, phone, or branch printed statements.

View the details of our Overdraft rates

The current variable standard overdraft interest rate (including the overdraft facility fee) is 15.9% APR, rate quoted is correct as at 25th August 2011 and is subject to change. The rate quoted is based on a representative example of €1,500 over a 12 month period. Total cost of credit is €208.85

The current variable overdraft interest rate for the Graduate Current Account is 9.7% APR, rate quoted is correct as at 24th February 2010 and is subject to change. The rate quoted is based on a representative example of €1,500 over a 12 month period. Total cost of credit is €146.05
　
For information on Interest Surcharges that may apply to overdrafts please refer to "Fees and Charges".
Lending criteria terms and conditions apply. Applicants must be at least 18 years old. 

We offer two simple Fee Options on our Personal Current Account - and these account transaction fees are waived if you qualify for our No Transaction Fees offer  

Option 1 - Pay as You Go

Pay 28c for every transaction into or out of your account (charged quarterly).

Option 2 - Flat Fee

11.40 per quarter, for up to 90 transactions into and out of your account. Over 90 transactions costs 28c each. If you have more than 40 transactions per quarter, Flat Fee becomes the better Option for you. You can, however, switch between the two options at any stage by contacting your branch. The change will take effect at the beginning  of the next fee-charging quarter.    

Schedule of Fees and Charges for Personal Customers

No Transaction Fees Offer

Our No Transaction Fees Offer means customers who meet certain qualifying criteris are not charged the quarterly account transaction fees on their Standard Personal Current account for the following:

• Withdrawals
• Lodgments
• Direct debits and standing orders
• debit card transaction and cash-back. Charges may apply to debit card transactions when made abroad. Refer to the schedule of fees and charges

The following Terms & Conditions apply to all Personal Current Accounts from 22 March 2012.

Download the Terms & Conditions for Personal Current Accounts March 2012 (PDF 195KB)