Bank of Ireland current accounts for November 2026

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.

Compare Bank of Ireland’s current accounts

Types of current account from Bank of Ireland

• Personal current account

  Bank of Ireland’s personal current account costs €6 a month, with key features including card payments and transfers in euro, spending insights, online and mobile banking and access to Ireland’s largest network of cash machines and branches.

• Smart Start current account

  Designed for children aged 7 to 15, this account has no monthly fee and comes with a Visa debit card your child can use in shops and online, with set limits. Your child can use their card abroad without being charged foreign transaction fees. There’s also a Smart Start Money Pot to help your child save for specific goals.

• 2nd level current account

  The 2nd level current account is aimed at those aged 12 to 20 who are managing their own money for the first time. Features include contactless payments, ATM withdrawals, 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 while you study.

• Graduate current account

  If you’re no longer a student, but have graduated within the last 3 years, you’re eligible for this account. This account comes with a range of fee-free transactions, no account fee for 2 years, a graduate overdraft, online banking and direct debits.

• 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 is no account maintenance fee, 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. There are no fees for the first 12 months.

The benefits of banking with Bank of Ireland

• 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 be a resident of the Republic of Ireland. You can apply for the standard personal account if you’re moving to the Republic of Ireland within the next 45 days. You must also be over 18 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

• Will I be charged any fees?

  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 €6 maintenance fee.

• How do I close a Bank of Ireland current account?

  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.

• How safe is Bank of Ireland?

  Pretty safe! Bank of Ireland is authorised by the Prudential Regulation Authority, in addition to being regulated by the Financial Conduct Authority.

• What if I don't live in the Republic of Ireland?

  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.