Personal Current Account
You can apply for a current account on its own, or you can apply for multiple products such as an Overdraft, Credit Card, and an Instant Access Demand account in the one form.
Key Features
- Online banking, Mobile banking, and Telephone banking – bank whenever you want, wherever you want with a 365 Online profile:
- Manage your accounts
- Pay bills/transfer money
- Set up direct debits/standing orders
- Make foreign currency (FX) payments
- Card controls at your fingertips
- Mi365 personalised spend insights
- e-statements
- Transaction history/account balance
- Pay to mobile to any other Bank of Ireland account
- Exclusive online savings accounts
- Branch and An Post Banking at over 1,000 locations nationwide
- Apple Pay and Google Pay
- Bio-Sourced Visa Debit card
- Protected funds under the Deposit Guarantee Scheme
Additional Extras:
You can apply for additional products to enhance your day to day banking package. Use our Multi Product Form to apply in addition to a personal current account in a single application form.
- Overdraft – manage your money with an agreed overdraft amount.
- Instant Access Demand – Money Pot ringfence or park funds from your main account.
- Credit Card – Choose from a range of cards to suit your needs.
How to Apply
You can use our online forms below to apply in minutes – whether you only want to apply for a current account, or multiple products. Our online application is really easy. Just complete the online application with your personal information, take a selfie when prompted, and upload your address verification documents.
You can also call us if you have any questions, or you can call into a Bank of Ireland branch.
Current Account Comparison
| Current Account Type | Personal Account | Basic Bank Account | 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 Legally resident in the EU | Aged 12-18 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 | Yes | Yes | Yes | Yes |
| Debit Card Contactless | Yes | Yes | Yes | Yes | Yes | Yes |
| Overdraft | Yes | No | No | No | Yes | Yes |
| Monthly fee for maintaining the account | Yes | No | No | No | No | No |
| Can a direct debit or standing order be set up? | Yes | Yes | No | 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: Yes |
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 ACCOUNT |
|---|
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 12-18 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 |
| 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: Yes |
Monthly fee for maintaining the account: No |
Can a direct debit or standing order be set up?: Yes |
| Apply Online Find Out More |
Fees
Enjoy range of features and services you would expect from a personal current account with single fee of €6 per month.
We do not charge individual fees for domestic euro current account transactions, account services, and replacement items, unpaid items, and referral items.
- View our Fee Information Document for Personal Current Account – this informs you about fees for the main services linked to this account. It also helps compare these fees with those of other accounts.
- View our Glossary of Terms – this explains in plain English the terms that we and all EU financial service providers commonly use, for payment services and customer accounts.
Some additional Fees and Charges may apply, for example -Government Stamp Duty, international and interbank transactions.
For details of the fees and charges that apply to our Personal Current Account, see our brochures below, also available in any Bank of Ireland branch.
- View our Schedule of Fees and Charges for Personal Customers to see a list of what you can expect to pay for your account.
- View our Schedule of International Transaction Charges – document to see a list of what you can expect to pay for international transactions.
Our terms and conditions, schedule of fees and charges for personal customers, and data privacy notice are being updated and they will be effective from 08 February 2024. Please see the brochure below for more information.
Terms & Conditions
These are the Terms and Conditions that apply to the Personal Current Account – download here:
Our terms and conditions, schedule of fees and charges for personal customers, and data privacy notice are being updated and they will be effective from 08 February 2024. Please see the brochure below for more information.