Personal Current Account

The Personal Current account makes your everyday banking easier in so many ways.

Open your current account with us today. See how easy it is to apply here.

Apply Now


  • How long will it take for me to receive my new or replacement Debit card?

    You will receive your replacement debit card within 5 to 7 working days of ordering it.

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  • How much is Government Stamp Duty on a Visa Debit/ATM Card?

    Government Stamp Duty (GSD) on Visa Debit and ATM cards is charged retrospectively in January each year for each cash withdrawal made from an ATM / LATM within the Republic of Ireland in the preceding year at a rate of €0.12 per withdrawal capped at a maximum of €2.50 per ATM (cash) card or Visa Debit (combined) card where only the ATM function is used, or €5 per Visa Debit (combined) card where both ATM and "Point of Sale" functions are used.

    ATM Card & ATM/Debit Card The Bank will pay any Government stamp Duty for you

    In the future the Bank may decide to charge the Government Duty on the Second Level Account, but we will give you notice in advance before doing so.

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  • Where can I activate my Visa Debit Card?

    You should activate your card as soon as you receive it. You can activate your card by carrying out a transaction at any chip and pin ATM.

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  • What is 3D Secure?

    3D secure is a fraud prevention system that protects you from unauthorised online use of your Visa Debit card.

    When you purchase goods or services online, you may be prompted to enter a one-time passcode (passcode), sent to your mobile phone by text message, to authorise the transaction and confirm that the card is yours.

    You have a set amount of time and a number of attempts to enter the passcode correctly. If you do not enter the passcode correctly, you will be unable to complete your online purchase.

    The passcode will only be valid for the online purchase you have received it for. When you are shopping online using 3D Secure and we don’t have a mobile number to send you a one-time passcode, you’ll be asked to provide it by calling us on the telephone number provided on-screen. If you would like to update your mobile number now, you can do so by calling 0818 200 370 or 353 1 250 0370

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  • What is the Cross Border Handling Fee that I will be charged if I use my Debit Card abroad?

    Visa Debit

    Using a debit card for purchases in Euro Using a debit card for purchases in a foreign currency
    In Euro within EU and EEA All other transactions (cross border handling charge)
    Visa Debit (Point of Sale) 10c 2% of transaction value. Maximum €11.43 per transaction
    Visa Debit Contactless (Point of Sale) 1c 2% of transaction value. Maximum €11.43 per transaction
    In Euro within EU and EEA All other transactions (cross border handling charge)
    Visa Debit (ATM) 25c 3.5% of transaction value. Minimum €3.17. Maximum €11.43 per transaction

    A cross-border handling fee can apply if you use your Visa Debit Card outside of the EU/EEA, this will include the UK and Northern Ireland. The fee varies depending on how the card is used. There is no fee for using your Visa Debit Card in a Bank of Ireland or Post Office ATM in Northern Ireland or the UK.

    You will be charged a cross-border handling fee if you use any other ATMs (3.5% of transaction value, minimum of €3.17/maximum €11.43 per transaction). All point of sale purchases incur a fee of 2% of transaction value, and are limited to a maximum fee of €11.43 per transaction

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  • How do I open a non-resident account?

    You cannot open a non-resident account online. Please call to a branch with the following documents:

    • a current valid passport or National Identity Card
    • a recent household bill such as a telephone, electricity or gas bill (we do not accept mobile phone bills as proof of address)

    As a non-resident you will also be required to provide a character reference or financial history from your own bank.

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  • What is a Debit card?

    A Debit card, besides providing ATM access, enables you to purchase goods and services in store or online. You can also get cashback at participating retailers (assuming availability of funds in your account).

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  • What are the benefits of Visa Debit?

    Visa Debit is accepted worldwide and can be used to purchase goods and services online. It also offers greater protection against fraudulent use.

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  • Who can apply online for a personal current account?

    Online Personal Current Account applicants must:

    • Be over 18 years old,
    • Not be a full-time student,
    • Be resident in the Republic of Ireland for at least 2 years, and
    • Be making the application on a sole or joint basis.

    If you are registered on 365 online, you may apply for additional accounts by logging into 365 online and following the simple ‘Apply’ instructions.

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  • What identification do I need to apply online?

    To apply online for a personal current account, you will need both photo ID and two forms of address verification. You also need to be over 18 years and resident in Ireland for at least 2 years.

    Our new document upload tool makes it really easy for you as you no longer have to go to the branch to have your ID verified.

    Simply take a photo of each with your mobile phone or tablet device. You can also use e-bills as your address verification and it’s important that your personal details on each (e.g. full name, date of birth and address) match to those provided in your application form.

    What we will accept as a valid form of Photo ID

    We will only accept a valid Irish Passport. Simply take a colour photo with your mobile phone or tablet device and take care to meet the following standards:

    • All 4 corners of your ID must be clearly visible. Keep those thumbs and fingers hidden!
    • The reference numbers and codes at the bottom of your photo ID must be clear and easily read
    • Please only take colour photos of your identification documents
    • Make sure your photo is of good quality and not blurry.

    What we will accept as your one valid form of Address Verification

    To apply online, you will need to provide one form of address verification along with your Photo ID. You can simply take a photo of your address verification with your mobile or tablet device or upload an original e-bill. Please take care to follow our standards as follows.

    Provide one from the following list of acceptable documents:

    1. Bank Statement or credit card statement
    2. Utility Bill
    3. Official documents and cards issued by Revenue Commissioners or Department of Social Protection
    • Make sure your personal details on each (full name and address) match to those provided in your application form and photo ID. The document must be originals and dated within the last 6 months
    • The reference number and codes must be clear and easily read
    • Your photo of your address verification documents must be of good quality (not blurry).
    • Your one piece of address verification must be from different suppliers or if from the same supplier, then different bill types e.g. gas and electricity bills.
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  • Where can I use Visa Debit?

    Visa debit is accepted worldwide across 200 countries.

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  • What time during the day do incoming credits come into my current account?

    We process account credits as quickly as possible, but rely on the timing of the payments made by other banks. Because of this, payments may be credited at different times of the working day.

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