Personal Current Account

Start the account opening process today by applying online for your current account.

If you are moving banks you may wish to apply for multiple products at once. You can apply for your current account, an instant access demand account, an overdraft, and/or a credit card in one application form with our new multi-product form.

You can find the features and benefits of an instant access demand account here, overdraft here and our credit cards here. If you prefer, you can make an appointment to visit us in branch.

Start your multiple product application below if you wish to apply for a current account, an instant access demand account, an overdraft and/or a credit card.

Current Account Application Form Multi-Product Application Form

Features & Benefits

What you get with a Personal Current Account:

  • A simple way of charging for your current account - a flat fee of €6 per month 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 here for more details.

  • Mobile payments are now available: You can make quick, easy and contactless payments using your phone/devices - click here to find out more about Apple Pay and click here for Google Pay.

  • Debit card with contactless payments - make purchases at home and abroad by simply tapping your card on the reader.

  • Overdraft – manage your money with an agreed overdraft amount.

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

  • Access to a comprehensive ATM and Branch network.

  • Quick and easy ways to pay bills and other payments – top up your mobile phone, pay your utility bills by direct debit, set up standing orders.

  • 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.

  • 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 here 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. Click here for more information on how to open Instant Access Demand accounts.

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

  • Mobile banking– giving you access to the most popular 365 online services, securely and directly from your own mobile phone
  • 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 here.
  • Mobile Top Up – top up your mobile phone or a friends at any time1
  • 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 This 365 online service is only available to ROI customers