Personal Current Account

Whatever your everyday banking needs we’ve got you covered, whether its tapping, paying and sending, that’s banking made easy.

Apply Now

Why choose us?

  • Unlimited Day To Day Banking 1 unlimited taps, unlimited payments & transfers, contactless payments & ATM withdrawals
  • Convenient Mobile Banking App:
    • Quick and easy payments – transfer up to €20,000 a day
    • Card controlsfreeze your card if lost or stolen, order a replacement card, view your PIN
    • Money Insights 365 – handy monthly spending insights which can help you manage your money better and improve your financial wellbeing
    • Split the bill – Having dinner with friends? Pay for everyone and then split the bill after with Pay to Mobile
    • Mobile payment services – Add your debit card to your digital wallet, connect with Apple Pay and Google Pay
  • Protected & Secure – 24/7 fraud protection and your money is safe under the Deposit Guarantee Scheme
  • In-person Support – our team are available in over 1,600 branches & An Post offices 5 days a week, over the phone or on webchat 6 days a week.
  • Sustainable Future – we’re helping to shape a sustainable future for banking in Ireland, with our bio-sourced Visa debit card.

5 easy steps to open your account:

  • Step 1: Choose your device (mobile or computer) & get your details ready

    You will need

    • A valid form of photo ID
    • Proof of address

    Find out more about acceptable documents here.


    • The personal current account is suitable for 18 to 65 year olds who live in the Republic of Ireland.
    • We will also ask you to take a selfie in the application form so make sure you are camera ready!

  • Step 2: Apply online

    Follow the on-screen instructions at the ‘Apply Now’ link.

  • Step 3: Review your documents and wait for your BIC and IBAN

    When you submit your application, you’ll get an email from us with a copy of important documents. Take some time to read through these. If your application is successful we will send you an SMS with your BIC and IBAN within 3 days. Take note of these details and keep them safe, with your account number.

  • Step 4: Activate online banking

    Call 0818 214 365 from your registered mobile number and follow the step-by-step instructions to create your 365 PIN. To activate your account you will need your account number available. Please have your IBAN and mobile phone to hand. Once your PIN is created, you can download and start using our 365 mobile app.

  • Step 5: Activate your card

    We’ll send your new card by post as quick as we can. It should arrive within 7 days. When your card arrives, follow the instructions in the accompanying letter to activate it. Then you are all set to spend, save, and manage your money via online or phone banking.

Apply in Branch

Prefer to apply in person with one of our staff? No problem. One of our helpful advisers can assist you in your local branch with the application process. You will need to bring along your photo ID & valid proof of address for this also. Click here for a list of acceptable documents.

Compare All Current Accounts

Find the right account for your day to day banking needs.

Help & Advice

Need further assistance? Please contact us or visit the dedicated Current Accounts Section of our Help Centre.

  • 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.

  • Terms & Conditions

    These are the Terms and Conditions that apply to the Personal Current Account – download here:

1Unlimited banking includes contactless payments, ATM withdrawals, unpaid items, and referral