Bank of Ireland offers a current account for every stage of life, ranging from young savers to those in their “golden years”. Each one boasts a range of features and benefits.
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.
2nd level current account
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 no fees for a range of transactions and services.
3rd level current account
The 3rd level current account caters for students studying for either an undergraduate or postgraduate qualification. With this account, you can get a Bio-sourced Visa Debit Card, mobile banking and access to a large ATM network. The account comes with a range of fee-free transactions.
Graduate current account
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 a range of fee-free transactions, a graduate overdraft, online banking and direct debits.
Young saver current account
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.
Golden years current account
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 online and phone banking and access to a large branch network.
Basic bank account
Finally, Bank of Ireland offer a basic account, designed to simplify your everyday banking as much as possible. This comes with 365 phone and online banking.
The benefits of banking with Bank of Ireland
Perks. The biggest perk must surely be the cashback rewards offered by Bank of Ireland across several of their current accounts. There’s also an extensive network of branches and ATMs, so you’ll never be caught short.
Multiple ways to bank. Bank of Ireland offers a range of ways to handle your funds, including mobile banking and high street branches.
Global acceptance. If you bank with Bank of Ireland, you’ll get a Visa Debit card. This means you don’t have to worry about card acceptance, no matter where you are in the world.
Opening an account with Bank of Ireland
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.
Customer service information for Bank of Ireland
Email support
Telephone support
In-app or live chat
Contact form
Branch support
Frequently asked questions
While you won’t pay any transaction fees on the majority of current accounts, there are maintenance fees to be paid for some. The personal current account, for example, comes with a €5 maintenance fee.
To close your current account, you just need to make sure any outstanding fees or charges have been paid before completing an account closure form online. This form can be downloaded from the Bank of Ireland’s website. Before the account’s closure, the Bank will be in contact to double check that this is what you wish to do.
Pretty safe! Bank of Ireland is authorised by the Prudential Regulation Authority, in addition to being regulated by the Financial Conduct Authority.
While some products, such as current and savings accounts are only available to residents of the ROI and Northern Ireland, there’s also a range of products available to British residents. These include mortgages, personal loans, credit cards, insurance and business products.
Oli is a writer for Finder UK. He writes guides, features and news about a range of topics, including banking, credit cards, mortgages and personal loans. He studies English Literature at the University of Sussex, and in his spare time enjoys cycling and playing the guitar, though not necessarily at the same time. See full bio
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