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.

From 23 November 2020, we’re introducing a simple way of charging for your current account. Click here for details.

Features & Benefits

What you get with a Personal Current Account:

  • Change the way you pay. Google Pay is now available on android devices: Click here to find out how you can make quick, easy and contactless payments using your phone.
  • Visa 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

  • Simple pricing structure - From 23 November 2020, we’re introducing a simple way of charging for your current account - eliminating 26 individual charges and replacing them with a monthly fee of €6.

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

  • Access to Ireland’s largest 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 visa debit card to pay for goods and services abroad 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.


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
  • 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
Apply Online Now
1 This 365 online service is only available to ROI customers