Bank of Ireland current accounts for July 2024

Get cashback rewards from well-known brands and access to savings accounts with Bank of Ireland

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

1 - 6 of 6
Name Product Finder Score Account fees Funding requirement Interest (AER) Arranged overdraft Incentive Representative example Link
Basic Cash Account
Not yet rated
£0
No minimum funding requirement
0% AER

Current account switch service guarantee badge
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Graduate Current Account
Not yet rated
£0
No minimum funding requirement
0% AER

Commission free travellers cheques and currency.
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Clear Account
Not yet rated
£0
No minimum funding requirement
0% AER
40.17% EAR variable
Eligible for exclusive mortgage deals.
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 40.17% EAR variable.
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Student (11-19) - Age 11-15
Not yet rated
£0
No minimum funding requirement
0.1% AER

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Student 16-19 - Age 16-19
Not yet rated
£0
No minimum funding requirement
0.1% AER

Current account switch service guarantee badge
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Student Current Account
Not yet rated
£0
No minimum funding requirement
0.5% AER
N/A
Commission free travellers cheques and currency.
Current account switch service guarantee badge
View details
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Types of current account from Bank of Ireland

  • Personal current account

    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

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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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