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


We have a simple way of charging for our Personal Current Account – a flat fee of €6 per month for maintaining the account.

There are no individual charges for the following current account transactions, account services, unpaid items and referral items:

  • No charge for these Account Transactions (once the transaction is in euros)

    *Charges may apply for international euro and foreign currency transactions

    • Using a debit card for purchases in euros:
      • contactless transactions
      • chip and PIN transactions
      • online transactions
    • Credit transfers in euros:
      • standing orders
      • direct debits
      • 365 online and phone transactions
      • paper / staff assisted (in branch) transactions – including cheques
    • Cash withdrawal, cash lodgements and cheque lodgements in euros:
      • using ATM / Lodgement ATM
      • paper / staff assisted (in branch) transactions
  • No charge for these Account Services
    • Provision of a cheque book*
    • Provision of a domestic bank draft*
    • Ordering a duplicate bank statement
    • Ordering an account balance or interest certificate
    • Replacement of lost, stolen or damaged cards
    • Replacement debit card PIN
    • Account transfers through standing instruction
    • Cheque retrieval requests
    • Stop payment instruction – direct debit or cheque
    • Account administration
    • Auditor queries
  • No charge for these Unpaid Items and Referral Items
    • Unpaid standing order
    • Cheque or direct debit returned unpaid from your account
    • Cheque lodged to your account and returned unpaid
    • Referral items (where a payment of any kind causes you to go into unauthorised overdraft)

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.

*Government duty still applies


We wish to advise you of an issue regarding the Statement of Fees that you may have received between 2018 and 2022. Please click here for more information.