Basic Bank Account

Your everyday banking made easy.

FAQs

  • Who can apply for a basic bank account?

    To qualify for a Basic Bank Account:

    • You must be over the age of 18.
    • You must be over the age of 16 if not in full-time education.
    • You must be legally resident in the European Union (EU).

    Customers must not have:

    • A personal payment account or
    • current account with any bank in the Republic of Ireland. You will be asked to sign a declaration provided by us to confirm this.
    • Only one account can be held per customer

    Did this answer your questions?

    Your answer helps us improve our Support Centre
    Thank you for your feedback!
  • Where can I apply for a Basic Bank Account?

    You can apply for a Basic Bank Account in any Bank of Ireland branch.

    Did this answer your questions?

    Your answer helps us improve our Support Centre
    Thank you for your feedback!
  • How much are Basic Bank Account fees and charges?

    We don’t charge an account maintenance fee on our Basic Bank Account*. There may be charges for things like Government Stamp Duty, and when you make international payments.

    For details on the fees and charges on our Basic Bank Account, see our Schedule of Fees and Charges for Personal Customers and our Schedule of International Transaction Charges.

    *Fees for maintaining the account may be charged after 12 months depending on turnover if the value of lodgements to your account exceeds a certain threshold.
    This threshold is equivalent to the national minimum hourly rate of pay (as declared from time to time in accordance with Section 11 of the National Minimum Wage Act 2000) multiplied by 2,080 (i.e. 40 hour week x 52 weeks of the year).
    If this is applicable to your account you will be notified 2 months in advance of this change. Government duty still applies.

    Did this answer your questions?

    Your answer helps us improve our Support Centre
    Thank you for your feedback!
  • Do I get a debit card with the Basic Bank Account?

    Yes, you will receive a Visa Debit Card

    Did this answer your questions?

    Your answer helps us improve our Support Centre
    Thank you for your feedback!
  • Can I get an overdraft on the Basic Bank Account?

    No. There is no overdraft facility provided on the Basic Bank Account.

    Did this answer your questions?

    Your answer helps us improve our Support Centre
    Thank you for your feedback!