Black Visa Debit Card
- Access to emergency cash if your card is lost or stolen while abroad
- Exclusive access to the executive lounge in Dublin, Shannon and Cork Airports.
Personal loans
Competitive rates
Variable rates from as little as 7.1% APR for loans of €20,000 to €75,000 and 8.3% APR for loans of €2,000 – €19,999.
Option to defer repayments
Option to defer your first three monthly repayments if you repay your loan on a monthly basis.
Fast application
Online application takes just 15 minutes for existing current account holders registered for 365 online.
Flexible repayments
Make extra repayments to pay off your variable rate loan early and pay less interest with no penalty fees.
Apply Now
You can also call us on 0818 365 121 or talk to your Premier Relationship Advisor.
| Loan amount | Variable interest rate | APR (Annual Percentage Rate) | Sample Loan Amount | Loan term | Monthly Repayment | Cost of credit | Total repayment |
|---|
| €10,000 | 8.1% | 8.3% | €10,000 | 5 years | €202.98 | €2,178.80 | €12,178.80 |
| €20,000 | 6.9% | 7.1% | €20,000 | 5 years | €394.71 | €3,682.60 | €23,682.60 |
Variable rates are correct as at 5 February 2025 and are subject to change.
Rate offered depends on loan amount and may differ from advertised rate. Lending criteria, terms and conditions apply. Over 18s only and not suitable for students. Only banking 365 online registered customers can apply online.
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL agreement in the future
Warning: The cost of your monthly repayments may increase.
Car Finance*
If you are thinking of purchasing a new vehicle, speak to us about our car finance options. By answering a few simple questions, we can help to identify the most suitable finance option for you.
Using our BOI Consumer Hire Purchase Product, you can obtain finance amounts from €7,000.
For more information, visit here.
To receive a personalised quote or for more information and ways to contact us, visit here.
Warning: You may have to pay charges if you pay off a hire purchase agreement early.
Warning: If you do not meet the repayments on your hire purchase agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit, a hire purchase agreement, a consumer hire agreement or a BNPL agreement in the future.
*This is a Consumer Hire Purchase Agreement provided by Bank of Ireland Finance. Ownership remains with Bank of Ireland Finance until the final payment is made. Bank of Ireland trading as Bank of Ireland Finance is regulated by the Central Bank of Ireland.
Insurance for your Home
At Bank of Ireland Insurance, we give you the home insurance cover you want. As a Premier customer, you can also enjoy the following benefits:
Home Insurance
As a Bank of Ireland Premier customer, you can get an additional 10% discount* on your Home Insurance.
We are the first bank assurer, offering two quotes for two insurers which gives you even more choice and value. This is backed by one of the most comprehensive policies in the market with an excellent claims history.
*An additional 10% off our standard Home Insurance rates. Applies to New policies and for the first year only. Minimum premiums may apply (inclusive of 5% Government Levy).
Investments
Whether you’re an experienced investor or just starting out, Bank of Ireland provides an extensive range of investment choices from capital-secure products to those providing access to a range of funds with varying levels of risk. Our investment and wealth managers are available to help you manage and grow your finances.
Explore Bank of Ireland Investments Online
Bank of Ireland now offers customers the option to start investing online by providing personalised investment advice in a fast and convenient manner. Starting from as little as €100 a month, you can invest for your longer term goals whatever they are. We’re sure you’ll love this approach to investing. However, investing isn’t for everyone and the value of investments can fall as well as rise so you might get back less than you invest. If you are unsure, please seek advice from your Premier Relationship Advisor.
FX
- Access to a dedicated specialist who can support your foreign exchange requirements
- Discounted foreign exchange rates on amounts over €20,000.
Phone 9am to 5pm:
01 609 4350 (+353 1 609 4350 from abroad)
Email: askthedealer@boi.com