Golden Years Account

When you turn 66, we can upgrade your personal current account to a golden years account to help you save on fees and charges, just come in talk to us today.

Features & Benefits

When you turn 66, we can upgrade your personal current account to a golden years account to help you save on fees and charges, just come in talk to us today.

  • Our golden years current account includes no quarterly current account transaction fees.1

  • Our golden years current account also carries certain concessions meaning you won’t be charged for certain service charges on your account.2

  • Visa debit card with free3 contactless payments - make purchases in seconds at home and abroad by simply tapping your card on the reader

  • Get cashback rewards from well-known brands when you register your Visa Debit card for Live Life Rewards

  • Manage your money with an overdraft

  • Online banking, Mobile banking and Telephone banking – bank whenever you want, wherever you want

  • Access to Ireland’s largest ATM and Branch network

  • Bank statements and transaction history - see your account balances, bank statements (e-statements) and transaction history with 365 Online

Register for Online Banking with 365 Online and you can add the following features to your golden years current account:

  • Mobile banking– giving you access to the most popular 365 online services, securely and directly from your own mobile phone
  • Mobile Top Up – top up your mobile phone or a friends at any time
  • Money Manager – understand and keep track of your spending
  • eStatements – go paperless with eStatements
  • Pay to Mobile– available on the mobile banking app; transfer money to any registered Bank of Ireland account simply by knowing the mobile number of the account holder.
  • Access to exclusive online savings accounts– open a savings account in minutes
1

The following transactions include no quarterly current account fees:

  • lodgements
  • express lodgements
  • direct debits
  • standing orders
  • debits and credits using 365 phone or online banking
  • cheques – please note that Government Stamp Duty applies to all cheques, bank drafts and gift cheques issued
  • withdrawals at ATM or in Branch
  • debit card (Point of Sale) transactions and cash back - for debit card ATM & (Point of Sale) transactions and cash back, there may be fees and charges for using your card (Visa Debit or card) when abroad. See our brochure Schedule of Fees and Charges for Personal Customers for full details of charges that may apply to the Golden Years Account.
2

The golden years current account concessions also mean you won’t be charged for the following service charges on your account:

  • overdraft facility charge
  • duplicate statements
  • cheque retrievals
  • domestic drafts – please note that Government Stamp Duty applies to bank drafts issued
  • unpaid inwards charges
  • replacement ATM/debit cards
3

In addition to no charges for some of our day-to-day banking transactions, we do not charge for the following services with a Golden Years current account:

  • domestic drafts (With effect from 22 September 2010, Government Stamp Duty on cheques applies to all bank drafts and gift cheques issued )
  • cheque retrievals
  • duplicate statements
  • charges for unpaid inwards
  • You are also exempt from the overdraft facility fee. Some additional charges may apply

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