Current Account Comparison

Choose a Bank of Ireland current account today and avail of the great features and benefits below

Compare Current Accounts

Current Account Type Personal Account Basic Bank Account1 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 OR over the age of 16 if not in full-time education

Legally resident in the EU

Not already hold a payment account in ROI

Aged 12-20

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 banking Yes Yes Yes2 Yes Yes Yes
Debit Card Contactless Yes Yes Yes3 Yes Yes Yes
Overdraft Yes4 No No No Yes Yes4
Monthly fee for maintaining the account Yes No No No No No
Can a direct debit or standing order be set up? Yes Yes Yes Yes Yes Yes
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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: Yes4

Monthly fee for maintaining the account: Yes

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

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BASIC BANK ACCOUNT1

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

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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

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SECOND LEVEL ACCOUNT

To be eligible you must be:

Aged 12-20

Resident in the RoI

Access to online, mobile and phone banking: Yes 2

Debit Card Contactless: Yes3

Overdraft: No

Monthly fee for maintaining the account: No

Can a direct debit or standing order be set up?: Yes
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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: Yes4

Monthly fee for maintaining the account: No

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

Apply Online Find Out More
1 Only one basic bank account per customer. Applicants must sign a declaration to confirm that they do not already hold a personal payment or current account with any bank in the Republic of Ireland.
2 Banking 365 is only available to customers aged 14 and over.
3 Where the account holder is 14 or older a debit card will be issued. For students aged 12 and 13, a debit card can be requested in branch. The card can be requested when you apply for a Second Level account in branch, or after your account is opened. You and your parent or guardian will need to provide photo ID and complete a consent form.
4 Lending criteria and terms and conditions apply.