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Bank of Ireland’s personal current account offers cashback rewards from brands when you register your Visa Debit with their Live Life Rewards scheme. It also offers a simple pricing structure, allowing for greater control, online and mobile banking and access to Ireland’s largest network of cash machines and branches.
The 2nd level current account is aimed at teenagers and young adults who are managing their own money for the first time. Features include a text top up, online and mobile banking and zero transaction fees.
The 3rd level current account caters for students studying for either an undergraduate or postgraduate qualification. With this account, you can get cashback rewards and access to a large ATM network. The account doesn’t come with any transaction fees.
If you’re no longer a student, but have graduated within the last three years, you’re eligible for this account. This account comes with cashback rewards, a graduate overdraft, online banking and direct debits.
This account is designed to teach children the importance of saving, and to introduce them to the value of money. If that sound’s good, then you may want to consider the Young saver current account. It can be opened online in minutes and savings will receive interest.
This account is an upgraded version of the personal current account. You’re eligible to make this change when you turn 66. The main benefit of doing so is that this account helps you save on fees and charges; there are no quarterly transaction fees, for example. It also offers cashback rewards, online and phone banking and access to a large branch network.
Finally, Bank of Ireland offer a basic account, designed to simplify your everyday banking as much as possible. This comes with cashback rewards and 365 phone and online banking.
To apply to open a current account online, you must have been a resident of the Republic of Ireland for at least two years. You must also be over 18, not a full-time student and be making the application on a sole or joint basis. You’ll need documents to prove your identity and address, so have your passport and utility bill or bank statement ready. Remember that if you’re applying online rather than in branch, you may need an extra proof of address document.
In one way or the other, you use your current account every day, often multiple times a day. When you buy your morning coffee, when you plan a holiday, when you pay the rent, when it’s finally payday… the list is endless. It’s a basic financial product, but it’s a very important one, so you should really find something that’s tailored to your needs.
Also, competition between banks is quite harsh these days because current accounts are the most basic way they acquire new customers. They often try to attract them with nice rewards or conspicuous switching incentives, so it’s really worth taking a look at what’s around.
If you don’t really care about physical branches and want to deal with your banking online, you may want to look into challenger banks. Monzo, Starling and their competitors are all about signing up for a current account in a few minutes instead of days and offering the customers fee-free accounts that come with great mobile apps. Head to our digital banking hub to learn more.
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