Personal Current Account

Fees

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.

• 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 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.
• View our Schedule of International Transaction Charges – document to see a list of what you can expect to pay for international transactions.

Our terms and conditions, schedule of fees and charges for personal customers, and data privacy notice are being updated and they will be effective from 08 February 2024. Please see the brochure below for more information.