Graduate Current Account

If you have graduated from full time third level education in the last three years, you can apply for a Graduate current account. Being a graduate means making important life choices. We offer a fantastic range of benefits to help you on your way.

Whether you're about to start work or travel for a while our graduate current account has been specially developed to help you make the most of your options.

Apply for graduate current account

Features & Benefits

  • With a Graduate current account, there are no fees for maintaining the account and no individual charges for a range of current account transactions and services. There are a small number of services that you may be charged for, such as using your debit card for transactions in a foreign currency. See graduate current account fees for more details.
  • Debit card with contactless payments – make purchases at home by simply tapping your card on the reader. When abroad – bring your debit card to pay for goods and services as well as getting cash withdrawals from ATM machines. Download the Visa Travel app for a handy currency converter and ATM locator.
  • Mobile payments are now available: You can make quick, easy and contactless payments using your phone/devices with Apple Pay and Google Pay.

  • Graduate Overdraft – An ideal way to help you manage short term changes in your cash-flow.
  • Online banking, Mobile banking and Telephone banking – bank whenever you want, wherever you want.
  • Control your cards at your fingertips: We’ve introduced new features to Banking 365 for your credit and debit cards. You can freeze and unfreeze your card, view the card PIN, order a replacement and much more. See all our new card features.
  • Access to a comprehensive ATM and Branch network.
  • Bank statements and transaction history – see your account balances, bank statements (eStatements) and transaction history with 365 Online.
  • Make foreign currency (FX) payments: You can send money to friends or family, pay for overseas tuition fees and pay for property or cars abroad (subject to limits) see sending money abroad for more details.
  • Instant Access Demand Account: use Instant Access Demand accounts to set aside and separate money into “Money Pots” online. A great way to manage your day-to-day spending such as – save excess money, ringfence or pool money for rent or bills, save for a short-term goal or treat. Money pots give you more flexibility to manage your day-to-day finances by making sure you stay in control of where your money goes. Find out more information on how to open instant access demand accounts.

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