Rules for the Bank of Ireland Money Smarts Challenge
Note: These competition rules (the “Rules”) apply to the Bank of Ireland Money Smarts Challenge (“the Competition”) organised by Bank of Ireland, Baggot Plaza, 27-33 Upper Baggot St, Dublin, D04 VX58. When the terms “we”, “us” or “our” are used in these Rules it refers to Bank of Ireland.
General Rules
The Competition is organised by Bank of Ireland and our decision on all matters relating to the Competition will be final
The Competition entry closing date is before 11.59pm GMT on Friday 14th March 2026 Under no circumstances will late entries be accepted.
We reserve the right to hold void, suspend, cancel, or amend the Competition for any reason outside our reasonable control if we deem it necessary.
Each school can enter a maximum of five teams . Each team must consist of four students. Second level students aged between 12-19 years on 31st January 2026, who are enrolled in a secondary school in the Republic of Ireland or Northern Ireland, are eligible to be put forward for entry by a school. If a school enters more than one team, all teams must take part in the same quiz at the same time and date.
The highest scoring three teams in each virtual event (in total 12 teams) will be awarded prizes. The first prize is a prize of €2,000 to the school with the highest score as determined by us. The second prize is a prize of €1,000 to the school with the second highest score as determined by us. Third prize is a prize of €500 to the school with the third highest score as determined by us. Discretionary prizes will be distributed to the students from the winning teams. There will also be spot prizes on the day at the discretion of us. Winning schools must present fully audited accounts on request to Bank of Ireland before prizes are distributed. If you are a winner of the Competition you may be liable to pay tax on the prize and must make your own arrangements to discharge this liability. Prizes will be electronically transferred to a bank account held in ROI or NI, in the name of Winner’s school and if applicable, at a rate of exchange set by us.
The Competition will be held virtually. Entrants to the Competition must follow all instructions we provide. We do not accept any responsibility for any technical issues faced by an entrant during the Competition including (without limitation) lack of hardware, inability to use any of the software, loss of connectivity, or other technical breakdowns.
Teachers will have the opportunity to share live photographs of the teams at the event. By accepting these terms and conditions the principal/teacher accepts responsibility that only students with parental permission for their photos to be shown at school events are to be featured in the photographs.
Money Smarts Challenge Competition Rules
The Competition is open to teams of students enrolled in any Secondary School in the Republic of Ireland or Northern Ireland who submit a fully completed competition form via this link boi.com/moneysmarts before 11.59pm GMT on the 14th March 2026.
Cheating will not be tolerated. Cheating includes conferring between teams or using any external sources to answer questions. By accepting these terms and conditions the principal/teacher is confirming that cheating will not be tolerated and they will ensure that cheating will not take place within their team(s). If a school has entered more than one team in the same virtual event, these teams must be kept separate in different rooms/areas while taking part in the event. If we become aware of any breaches, the school will be immediately disqualified from the Competition.
Students can only win the title ‘Money Smarts Champion of the Year’ once. Please note that previous winning students are not eligible to re–enter the Competition in subsequent years.
We do not accept responsibility for entries which are not fully completed. Entries which are incomplete (i.e. some information requested on the entry form is not provided, altered, illegible or not in accordance with these Rules) may be disqualified.
The judging panel for the Competition will include at least one person who is independent of the promotion of the Competition. The names of those comprising the judging panel will be made available to competition entrants upon written request.
The decision of the judges will be final and binding on all entrants and winners.
Correspondence will be entered into only at the absolute discretion of Bank of Ireland.
All entrants (“entrant” includes any person who is a member of a team that enters or attempts to enter the Competition) acknowledge that we will use, store and process their personal details to run the Competition including for publicity purposes in accordance with our Data Privacy Notice which is available at (for ROI applicants) Data Privacy – Bank of Ireland Group Website or (for Northern Ireland applicants) Privacy Notice – Bank of Ireland UK. All entrants agree to the use of their names and addresses and/or photographs for publicity purposes.
Entrants agree that their names and addresses may be disclosed by Bank of Ireland to its agents for the purpose of administering the Competition and/or distributing the prizes. Bank of Ireland reserves the right to vary and (or) substitute any/all element(s) of the prizes with prizes of similar or of greater value.
All prizes are non-transferable.
All entry conditions and instructions are deemed to form part of these Rules.
Students on teams who enter the Money Smarts Challenge must be over 12 years and under 19 years on 31st January 2026, or they will be ineligible to win a prize. The winners shall, if requested by the Bank provide satisfactory proof of age before being awarded a prize.
These Rules are governed by Irish law, and the Irish courts will have exclusive jurisdiction.
