Banking Services

Priority service and a range of favourable banking products

Our Private Banking services are built around you. Which means every product, service or insight we offer you is specifically chosen to help you advance your unique financial ambitions.

Your Private Client Manager

A highly personal service to help manage your banking and financial needs. Focus on building a long-term relationship by taking the time to understand your circumstances, goals, and ambitions, then developing a realistic plan tailored to you. With background in financial planning and investment banking, your Manager brings the knowledge and experience to build a well-defined financial strategy.

Private 24/7

In addition to your Private Client Manager, Private 24/7 is your direct, round-the-clock phone service. It gives you access to a team of multi-skilled financial advisors, there whenever you need them, for your everyday banking needs.

Black Visa Debit card

Emergency cash and support for extra peace of mind1

Access to Dublin Airport Authority (DAA) lounge2

Express access to credit and faster lending decisions

Access to the funds you need and the answers you want, usually within one business hour.

** Within one business working hour, Monday to Friday. Approval and rate are dependent on previous account performance.

Support for your home-buying journey

Dedicated lending specialists to prioritise your mortgage application.3

Access to our property-finding service from experienced property specialists4

Savings and deposits

Access to a broad range of competitive savings and deposit options to suit your cash management requirements.

Foreign exchange

Access to a dedicated specialist for foreign exchange requirements

Discounted foreign exchange rates on amounts over €20,000

Access to international currency payments support platform for regular payments, saving time and money

The lender is Bank of Ireland Mortgages. Lending criteria and terms and conditions apply. Over 18s only. Mortgage approval is subject to assessment of suitability and affordability. You mortgage your property to secure the loan. We require property and life insurance. Maximum loan is generally 3.5 times gross annual income and 80% of the property value (90% of the property value for first time buyers, 70% of the full property value for Buy to Let) but these limits may vary. A typical mortgage of €100,000 over 20 years with 240 monthly instalments costs €615.79 per month at 4.2% variable (Annual Percentage Rate of Charge (APRC) 4.3%). The total amount you pay is €148,114.60. APRC includes €150 valuation fee and mortgage charge of €175 paid to the Property Registration Authority. A 1% interest rate rise would increase monthly repayments by €54.02 per month. [The cost of your monthly repayments may increase – if you do not keep up your repayments you may lose your home]
Warning: If you do not keep up your repayments you may lose your home.
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 in the future.
Mortgages are provided by Bank of Ireland Mortgage Bank. Bank of Ireland Mortgage Bank trading as Bank of Ireland Mortgages is regulated by the Central Bank of Ireland.
Please note that The Premier Property Service is not regulated by the Central Bank of Ireland.
Generally, our ability to source off-market properties is in relation to the upper end of the market only and typically applies in properties with values in excess of €1.5 million
1 Emergency Cash is available to Black Visa Debit Card Holders. Emergency Cash amount available is subject to repayment capability. Terms & conditions apply
2 Black Visa Debit card holders are entitled to access to complimentary DAA lounges in Dublin and Cork airports for up to two visits per annum. Visits are restricted to cardholders only. Access to lounges and conditions of use are controlled by DAA and not Bank of Ireland – customers must adhere to these conditions at all times.
3 Bank of Ireland Mortgage Bank trading as Bank of Ireland Mortgages is regulated by the Central Bank of Ireland.
4 The Premier Property Service is currently limited to Premier & Private customers seeking to purchase properties in the Dublin area with Principal Dwelling mortgage approval of €500,000 or more with Bank of Ireland. Our Premier Property Service is to help you find a home that may suit you. It is up to you to make sure you are satisfied with the legal title, value and the condition of any house you are considering. (The bank has no liability to you concerning these things, for example, any valuation the bank requires is purely for security purposes and is no substitute for a valuation or survey by your own professionals).