Banking Services

More support for your day to day banking with easy access to our Private Priority Banking Service on 0818 365 121, operating from 9am-5pm Monday to Friday.

Banking

We give you more support for your day to day banking, with easy access to our dedicated Priority Banking Service on 0818 365 121. You can speak to a team member who can quickly provide the assistance you need – whether you simply want to check your balance or you need emergency cash¹ if your card is lost or stolen when abroad.

In order to adhere to Government Covid-19 guidelines, our Priority Banking Service is currently operating 9am-5pm, Monday to Friday.

By using the Priority Banking service you can:

Apply for a loan, overdraft or credit card²
Transfer up to €100,000 per day over the phone – even internationally
Get faster access to credit decisions – we usually have a decision for you within an hour*
Access emergency cash for collection at no extra charge
Access emergency assistance, such as settling your hotel bill.

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

1 Emergency Cash is available to Black Visa Debit Card Holders. Emergency Cash amount available is subject to repayment capability. Terms & conditions apply.

2 Lending criteria, terms and conditions apply to all credit products.

Black Visa Debit Card

Arrange for enhanced daily cash withdrawal rates up to €1,300
Access to emergency cash if your card is lost or stolen while abroad¹
Exclusive access to DAA executive lounges in Dublin, Shannon and Cork Airports².

1 Emergency Cash is available to Black Visa Debit Card Holders. Emergency Cash amount available is subject to repayment capability. Terms & conditions apply.

2 The Black Visa Debit Card is available to Private customers. Your current account is subject to the standard Personal Current Account fees. Black Visa Debit card holders are entitled to complimentary lounge access in Dublin, Cork and Shannon airports, for up to two visits per annum. Visits are restricted to cardholders only. Access to Lounges and conditions of use are controlled by Dublin Airport Authority, Shannon Airport and Swissport Cork Airport and not Bank of Ireland – customers must adhere to these conditions at all times.

Savings & Deposits

Exclusive deposit rates for Private Clients. Your Private Client Manager can give you more details and help you access your Private deposits rates¹.

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1 Terms and conditions apply to Bank of Ireland saving and deposit products.

Mortgages

We have a wide range of mortgage solutions¹ that you can use to fund buying a new home or a second property. Enjoy support at every step of the way with:

Dedicated lending specialists to prioritise your mortgage application.
Access to our property-finding service from experienced property specialists².
Private Client Manager support to set up your Home and Life Insurance with Bank of Ireland³.

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1 Bank of Ireland Mortgage Bank u.c. trading as Bank of Ireland Mortgages is regulated by the Central Bank of Ireland. The lender is Bank of Ireland Mortgages. Lending criteria and terms and conditions apply. Over 18’s only. Mortgage approval is subject to assessment of suitability and affordability.

2 The Property Finding 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 Property Finding 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).

3 Home Insurance is provided by Bank of Ireland Insurance Services Limited. Bank of Ireland Insurance Services Limited is a member of the Bank of Ireland Group. Bank of Ireland Insurance Services Limited is regulated by the Central Bank of Ireland. Bank of Ireland Home Insurance is underwritten by RSA Insurance Ireland DAC. Bank of Ireland Insurance Services Limited is tied to RSA Insurance Ireland DAC for the purpose of selling Home Insurance. RSA Insurance Ireland DAC trading as RSA is regulated by the Central Bank of Ireland. Cover is subject to underwriting criteria and terms and conditions.

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.

Personal Loans

As a Private client you can access our flexible personal loans with clear, competitive pricing with 7.5% APR¹ for loans of €2,000 – €19,999 and 6.8% APR* for loans of €20,000 to €65,000.

The repayments on a personal loan of €20,000 over 5 years with 60 monthly instalments are €391.92 per month at 6.6% variable (Annual Percentage Rate of Charge (APRC) 6.8%). The total cost of credit is €3,515.20.

Flexible repayment options – clear your loan early and pay less interest:

Option to defer the first 3 months repayments² (only if repaying monthly)
Apply online in 15 minutes³ (existing BOI current account holders) call us on 0818 365 121 or talk to your advisor.

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1 APR stands for Annual Percentage Rate.
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. The repayments on a personal loan of €20,000 over 5 years with 60 monthly instalments are €391.92 per month at 6.6% variable (Annual Percentage Rate of Charge (APRC) 6.8%). The total cost of credit is €3,515.20.
Variable rates are correct as at 30th June 2022 and are subject to change.

2 By deferring your repayments at the start of your agreement you will pay more interest over the loan term than if you started to make repayments from the outset.

3 15 minutes refers to completed online personal loan applications by Bank of Ireland current account holders.

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.

Property Services

Looking for a home in Dublin? Need a mortgage for over €500,000?

How does it sound having an impartial property expert that will meet you and help you along the journey?

Your Private Mortgage Partner can arrange this for you after you receive mortgage approval.

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Wealth Management

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Investments

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