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 Apply More info More info Apply Apply Apply More info Apply 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 Apply Online Find Out More 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 Find Out More 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 Apply Online Find Out More 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 Apply Online Find Out More 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.