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 Current Account Basic Bank Account1 Smart Start Account Second Level Current Account Third Level Current Account Graduate Current Account Golden Years Current Account
To be eligible you must be:

18 years or older

Resident in the Republic of Ireland or moving to the Republic of Ireland in the next 45 days.

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

Parent/ legal guardian of child aged between 7 and 15

Resident in Republic of Ireland

Aged 12-20

Resident in the Republic of Ireland

A full time 3rd level student or in a CAO-recognised postgrad course

Resident in the Republic of Ireland or moving to the Republic of Ireland in the next 45 days.

Graduated from a 3rd level or postgrad course within the last 3 years

Resident in the Republic of Ireland or moving to the Republic of Ireland in the next 45 days.

66 years or older

Resident in the Republic of Ireland or moving to the Republic of Ireland in the next 45 days.
Access to online, mobile and phone banking Yes Yes Yes5 Yes2 Yes Yes Yes
Debit Card Contactless Yes Yes Yes Yes3 Yes Yes Yes
Overdraft Yes4 No No No No Yes4 Yes4
Monthly fee for maintaining the account Yes No No No No No No
Can a direct debit or standing order be set up? Yes Yes No 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 With the Basic Bank Account: There is only one account per customer. 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.
2 Customers must be at least 14 years old to use Digital Banking.
3 If the account holder is 14 or older they will receive a debit card. 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 current account in branch, or after your account is opened.
4 Lending criteria and terms and conditions apply.
5 The Smart Start Account does not allow third party payments through online, mobile, or phone banking.