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.


Our Personal Current Account offers a clear and simple pricing structure:


  • 1c for Contactless transactions. Cross border handling charges apply to non-euro contactless transactions

10c for Automated Transactions:

  • Using your Visa Debit card, direct debits, standing orders and 365 phone/online and mobile banking transfers will cost you 10c per transaction.

25c for ATM/LATM (Lodgement ATM) Transactions:

  • Lodgements/withdrawals using ATM/LATM (Lodgement ATM)

60c for Paper/Staff Assisted transactions:

  • Cheques or paper lodgements and withdrawals over the counter using paper or your Visa Debit card will cost you 60c per transaction.

Fee for Maintaining the Account:

  • A Fee of €5 per quarter applies for maintaining the account.

No Transaction Fees Offer. We offer you a way to avoid transaction fees for some of our day-to-day banking transactions. This means that you will not pay fees for:

  • Lodgements
  • Withdrawals
  • Direct debits
  • Standing orders
  • Debit card transactions and cashback
  • Debit/credit transactions on your account using 365 Phone/Online and/or Mobile banking

For full details see our brochure below, also available in branch.

Apply Online Now

You still pay a fee of €5 for maintaining the account if you qualify for the No Transaction Fees Offer. Service charges such as Government Stamp Duty will apply and charges for certain Visa Debit transactions abroad may apply.

Note – to avoid paying quarterly account transaction fees, you must maintain a minimum credit balance of €3,000 in your Personal Current Account throughout the full fee quarter. Credit interest is not payable on current account balances and potential interest may be foregone as a result of maintaining a minimum credit balance.

Lodgements received and payments made after cut off times or anytime on a non-banking day (i.e Saturday, Sunday or bank/public holiday) may not be reflected in the account until the following working day. There are different cut off times for different transactions. Please contact your branch for details. The offer is based on the overnight balance that appears on your regular account statement.There may be a difference between this balance and other sources of balance information available such as ATM, online, phone or branch printed statements.

Current account transaction fees are calculated at the end of each quarter. Fees are then debited from your current account approximately one month later. If your bank account is migrated from one product type to another, for instance from Second Level Student Current Account to Third Level Student Current Account, the transfer will only be completed at the start of the next fee quarter.
Full details of our Personal Current Account transaction, fee for maintaining the account and service charges are in the Schedule of Fees and Charges for Personal Customers. This brochure is available in any Bank of Ireland branch.