2nd Level Current Account

Why do we offer students more? It’s simple. Because in ten years’ time, you’ll still be one of our customers. You can start taking more control of your life and your money. With your own bank account you can save up for something big or spend a little whenever you want– it’s up to you.


  • How long will it take for me to receive my new or replacement Visa Debit card?

    You will receive your replacement debit card within 5 to 7 working days of ordering it.

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  • How much is Government Stamp Duty on a Visa Debit/ATM Card?

    Government Stamp Duty (GSD) on Visa Debit and ATM cards is charged retrospectively in January each year for each cash withdrawal made from an ATM / LATM within the Republic of Ireland in the preceding year at a rate of €0.12 per withdrawal capped at a maximum of €2.50 per ATM (cash) card or Visa Debit (combined) card where only the ATM function is used, or €5 per Visa Debit (combined) card where both ATM and "Point of Sale" functions are used.

    ATM Card & ATM/Debit Card The Bank will pay any Government stamp Duty for you

    In the future the Bank may decide to charge the Government Duty on the Second Level Account, but we will give you notice in advance before doing so.

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  • Where can I activate my Visa Debit Card?

    You should activate your card as soon as you receive it. You can activate your card by carrying out a transaction at any chip and pin ATM.

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  • What is 3D Secure?

    3D Secure is a fraud prevention system that protects you from unauthorised online use of your Visa Debit card.

    When you register, you create a ‘Verified by Visa’ password that you keep secret, like your PIN. When you purchase goods or services online, you will be asked for your Verified by Visa password to authorise the transaction and confirm that the card is yours.

    Please note, we are making some changes to our Verified by Visa Service which will be phased in from 5th July 2017. Please see a copy of the press notice for more detail.

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  • What is the Cross Border Handling Fee that I will be charged if I use my Debit Card abroad?

    Using a debit card for purchases in Euro

    Within EU/EFA Outside EU/EEA
    Visa Debit (Point of Sale) No charge 2% of transaction value Maximum €11,43 per transaction
    Visa Debit Contactless (Point of Sale) No Charge 2% of transaction value. Maximum €11.43 per transaction

    Using a debit card for purchases in foreign currency

    Within EU/EFA Outside EU/EEA
    Visa Debit (Point of Sale) 2% of transaction value. Maximum €11.43 per transaction 2% of transaction value. Maximum €11.43 per transaction
    Visa Debit Contactless(Point of Sale) 2% of transaction value. Maximum €11.43 per transaction 2% of transaction value. Maximum €11.43 per transaction

    Cash withdrawal

    In Euro within EU and EEA All other transactions (cross border handling charge)
    Visa Debit (ATM) No Charge 3.5% of transaction value. Minimum €3.17, Maximum €11.43 per transaction
    A cross-border handling fee can apply if you use your Visa Debit Card outside of the EU/EEA, this will include Northern Ireland and Britain in the event that they leave the EU. The fee varies depending on how the card is used. There is no fee for using your Visa Debit Card in a Bank of Ireland or Post Office ATM in Northern Ireland or Britain when making a sterling cash withdrawal. You will be charged a cross-border handling fee if you use any other ATMs in Northern Ireland or Britain. (3.5% of transaction value, minimum of €3.17/ maximum €11.43 per transaction). All point of sale purchases incur a fee of 2% of transaction value, and are limited to a maximum fee of €11.43 per transaction.
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  • How do I open a non-resident account?

    You cannot open a non-resident account online. Please call to a branch with the following documents:

    • a current valid passport or National Identity Card
    • a recent household bill such as a telephone, electricity or gas bill (we do not accept mobile phone bills as proof of address)

    As a non-resident you will also be required to provide a character reference or financial history from your own bank.

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  • What is a Visa Debit Card?

    A Debit Card, besides providing ATM access, enables you to purchase goods and services in store or online. You can also get cashback of up to €100 at participating retailers (assuming availability of funds in your account).

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  • What are the benefits of Visa Debit?

    Visa Debit is accepted worldwide and can be used to purchase goods and services online. It also offers greater protection against fraudulent use.

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  • Who can apply online for a personal current account?

    Online Personal Current Account applicants must:

    • Be over 18 years old,
    • Not be a full-time student,
    • Be resident in the Republic of Ireland for at least 2 years, and
    • Be making the application on a sole or joint basis.

    If you are registered on 365 online, you may apply for additional accounts by logging into 365 online and following the simple ‘Apply’ instructions.

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  • Where can I use Visa Debit?

    Visa debit is accepted worldwide across 200 countries.

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  • What time during the day do incoming credits come into my current account?

    We process account credits as quickly as possible, but rely on the timing of the payments made by other banks. Because of this, payments may be credited at different times of the working day.

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  • I’d like to know more about Life Live Rewards

    No problem. It works like this. Register your BOI Visa Debit for Live Life Rewards, use your card and get great cashback rewards from well-known brands. To find out more, click here.

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