Personal current account
24/7 fraud protection and a flat monthly fee for taps, transfers and ATM withdrawals – that’s banking made easy.
Why choose us for a personal current account?
Easy everyday banking
Includes contactless payments, transfers (up to €20,000 a day), ATM withdrawals and digital wallet, all for a flat monthly fee of €6 per month.
Convenient in-app banking
Manage your account(s) on the go from your smartphone or tablet.
Spending insights
Money Insights 365 gives you an overview of what you’re spending money on each month.
Useful features
Card controls let you freeze your card if lost or stolen, and Pay to Mobile makes it easy to split the bill wth friends.
Protected and secure
24/7 fraud protection and your money is safe under the Deposit Guarantee Scheme.
Advisor support
Talk to our team on webchat, over the phone, or in over 1,000 branches and An Post offices nationwide.
What do I need to apply?
To be eligible to apply online, you must be:
- Aged 18 to 65
- Resident in the Republic of Ireland OR moving to the Republic of Ireland in the next 45 days
- We’ll also ask you to take a selfie in the application form so make sure you’re camera ready
To apply, you’ll need:
- Valid photo identification – The documents we accept include your passport, drivers license card, or EU National ID card.
- Proof of address – The documents we accept include a utility bill, a financial statement, or a letter from the Revenue Commissioners, an approved university, the CAO, the Department of Social Welfare, or the Naturalisation and Immigration Service.
Please provide proof of address documents in English, if documents are not in English they will need to be translated before you start the application.
Apply for a current account
Please note: If you’d prefer to apply in person, you can book an appointment with one of our helpful advisers in your local branch. You will need to bring valid photo identification and proof of address. Here’s a full list of acceptable documents.
Who are Bank of Ireland?
We are a full-service bank offering a wide range of services. We have many branches and ATMs across Ireland, making it easy for you to access your money and get support wherever you live. We also have convenient and comprehensive digital banking services on our 365 mobile app and website.
We work hard to prevent and protect against fraud. We use two-factor authentication for online banking, secure card payments with chip and PIN technology, and real-time alerts for suspicious transactions. If fraud happens, our dedicated fraud team is ready to help. They can quickly block compromised accounts, assist in recovering lost funds, and guide you on how to protect your account against future attempts.
Most of all, we’re passionate about your financial wellbeing. We know that managing money well is the key to personal and financial health. That’s why we offer a range of tools, resources, and programs to help you make informed financial decisions and develop good financial habits. Opening a current account with us could be your first step towards a secure financial future.
Help and support
Need further assistance? Please contact us or visit the dedicated current accounts section of our Help Centre.
Fees
Enjoy our 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.
Terms & Conditions
These are the Terms and Conditions that apply to the personal current account – download here:
Contact us
Our teams are here to help.