Personal current account
Whatever your day-to-day banking needs, we’ve got it covered, from just €6 per month.
Why choose us for a current account?
Easy everyday banking 1
Includes taps, payments & transfers, contactless payments & ATM withdrawals.
Convenient Mobile Banking App
Manage your account(s) while on the go.
Quick and easy payments
Transfer up to €20,000 a day.
Card controls
Freeze your card if lost or stolen, order a replacement card, view your PIN.
Money Insights 365
Handy monthly spending insights which can help you manage your money better and improve your financial wellbeing.
Split the bill
Having dinner with friends? Pay for everyone and then split the bill after with Pay to Mobile.
Mobile payment services
Add your debit card to your digital wallet, connect with Apple Pay and Google Pay.
Protected & Secure
24/7 fraud protection and your money is safe under the Deposit Guarantee Scheme.
Advisor Support
Our team are available in over 1,000 BOI branches & An Post offices 5 days a week; over the phone, or on webchat 6 days a week.
Sustainable Future
We’re helping to shape a sustainable future for banking in Ireland, with our bio-sourced Visa debit card.
5 easy steps to open your account:
Step 1: Choose your device (mobile or computer) & get your details ready
You will need
- A valid form of photo ID
- Proof of address
Find out more about acceptable documents here.
Remember:
- The personal current account is suitable for 18 to 65 year olds who live in the Republic of Ireland.
- We will also ask you to take a selfie in the application form so make sure you are camera ready!
Step 2: Apply online
Follow the on-screen instructions at the ‘Apply Now’ link.
Step 3: Review your documents and wait for your BIC and IBAN
When you submit your application, you’ll get an email from us with a copy of important documents. Take some time to read through these. If your application is successful we will send you an SMS with your BIC and IBAN within 3 days. Take note of these details and keep them safe, with your account number.
Step 4: Activate online banking
Call 0818 214 365 from your registered mobile number and follow the step-by-step instructions to create your 365 PIN. To activate your account you will need your account number available. Please have your IBAN and mobile phone to hand. Once your PIN is created, you can download and start using our 365 mobile app.
Step 5: Activate your card
We’ll send your new card by post as quick as we can. It should arrive within 7 days. When your card arrives, follow the instructions in the accompanying letter to activate it. Then you are all set to spend, save, and manage your money via online or phone banking.
Apply in Branch
Prefer to apply in person with one of our staff? No problem. One of our helpful advisers can assist you in your local branch with the application process. You will need to bring along your photo ID & valid proof of address for this also. Click here for a list of acceptable documents.
Compare All Current Accounts
Find the right account for your day to day banking needs.
Help & Advice
Need further assistance? Please contact us or visit the dedicated Current Accounts Section of our Help Centre.
