They can:
- Use their Visa debit card to complete contactless and chip and PIN transactions in shops and online.
- Lodge money to either the Smart Start Account or Smart Start Money Pot in a Bank of Ireland branch or An Post office.
- View their account on 365 online and on desktop.
They cannot:
- Set up a direct debit or standing order
- They cannot make third party payments directly from the Smart Start Account and Smart Start Money Pot.
- Make online credit transfers between their accounts (Smart Start Account and Smart Start Money Pot). Note: If your child has a Second Level current account listed on their 365 online profile, they will be able to complete account transfers from their Smart Start Account and Smart Start Money Pot to their Second Level current account.
- Use Pay to Mobile
- Request an overdraft or cheque book
Please note: Your child cannot make any withdrawals from the Smart Start Account and Smart Start Money Pot over the counter in branch without you present. Neither you or your child can make credit transfers to third parties from the Smart Start Account or Smart Start Money Pot.
If you (the parent/legal guardian) have another Personal current account with Bank of Ireland that is registered on 365 online, you will be able to make credit transfers through 365 online from your Smart Start Account to the other accounts you hold with Bank of Ireland only (including to a Smart Start Money Pot).
If you do not have another Personal current account with Bank of Ireland that is registered on 365 online you will need to carry out credit transfers (from your Smart Start account to my other accounts you hold with Bank of Ireland only) in a branch.
If your Child has another current account with us, which is registered on Digital Banking, they will be able to make unrestricted credit transfers through Digital Banking from your Smart Start Account to that current account.