Personal current account

A personal current account is a bank account used for everyday transactions. It lets you lodge and withdraw money frequently without restrictions. Features often include debit cards, online banking, recurrent payments, overdraft facilities, and cheque books. Unlike savings accounts that earn interest, current accounts are designed for high activity and are often used to manage cash flow, or receive payments. They usually don’t earn interest.

You can apply for a personal current account online, over the phone, or in your local branch.

• Online – Choose the device (mobile or computer) you want apply on and get your details ready. You will need to upload:
• A valid form of photo ID
• Proof of address

Here’s a list of acceptable documents. Then follow the on-screen instructions. We’ll ask you to take a selfie in the application form, so make sure you are camera ready.

• Branch – Visit your local branch and fill in the application form using a Kiosk or with the help of a staff member. You can give your photo identification (ID) and proof of address to a branch staff member, or you can upload them yourself using the link that will be emailed to you after you submit the application.
• Phone – Call one of our agents on 0818 354 454 (or +353 1 404 4034 outside the Republic of Ireland) and complete an application over the phone. Lines are open 9am to 5pm, Monday to Friday. The agent will fill in the application for you; just provide your details during the call. When the agent submits the application, you will receive an email with a link to upload your photo identification (ID) and proof of address.

When you submit your application, you’ll get an email from us with a copy of important documents. Take some time to read through them. If your application is successful, we’ll text you your BIC and IBAN within three days. Take note of these details and keep them safe.

Personal current accounts are charged a monthly account maintenance fee of €6. Some additional fees and charges like Government Stamp Duty, international and interbank transactions, may also apply.

For details of the fees and charges that apply to our personal current accounts, see our Schedule of Fees and Charges for Personal Customers and our Schedule of International Transaction Charges.

You can apply for a joint personal current account online, over the phone, or in your local branch.

• Online
  Step 1: Applicant 1 fills in their part of the online application form. They upload their photo identification (ID) and proof of address, and take a selfie within the application before submitting.
  Step 2: Applicant 2 gets an invitation link by email asking them to fill in their part of the application.
  Step 3: Applicant 2 will need to upload both photo ID and proof of address as part of the process. A selfie will also be required during the online application as part of identity verification.
  Step 4: Once both forms are submitted, we will begin processing the request.
• Branch – Visit your local branch and fill in the application form using a Kiosk or with the help of a staff member. You and Applicant 2 can give your photo identification (ID) and proof of address to a branch staff member, or you can upload them yourself using the link that will be emailed to you after you submit the application.
• Phone – Call one of our agents on 0818 354 454 (or +353 1 404 4034 outside the Republic of Ireland) and complete an application over the phone. Lines are open 9am to 5pm, Monday to Friday. The agent will fill in the application for you; just provide your details during the call. When the agent submits the application, you and Applicant 2 will receive an email with a link to upload your photo identification (ID) and proof of address.

Personal current account are available for customers aged 18 to 65. This account can also be opened as a joint account with another person.

Yes, if you are not an Irish national and are resident in the Republic of Ireland, you can apply for a current account. Our current account comparison table shows all of our available account options. After you submit your application, you may be asked to provide more information like evidence of source of funds, or your source of wealth. If additional information is required, we will email you.

If you are not currently resident in the Republic of Ireland, but you plan to move to Ireland within the next six months, you can find information about how to open a non-resident account here.

If you are an international protection application or require language or accessibility support, visit boi.com/extrahelp for a range of supports.