Bank of Ireland current accounts for August 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

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Finder Score	Account fees	Funding requirement	Interest (AER)	Arranged overdraft	Incentive	Representative example
Not yet rated Bank of Ireland UK Graduate Account	Not yet rated	£0	No minimum funding requirement	0% AER	0% EAR variable on the first £3,000 and then 0% EAR variable	Representative example: If you use an arranged overdraft of £1,200, you'll be charged.	More info Compare product selection Compare	loading
Not yet rated Bank of Ireland UK 3rd Level Student Account	Not yet rated	£0	No minimum funding requirement	0.5% AER	N/A	Representative example: If you use an arranged overdraft of £1,200, you'll be charged.	More info Compare product selection Compare	loading
Not yet rated Bank of Ireland UK Clear Account	Not yet rated	£0	No minimum funding requirement	0% AER		More info Compare product selection Compare	loading
Not yet rated Bank of Ireland UK Student Account (11-19)	Not yet rated	£0	No minimum funding requirement	0.1% AER	N/A	More info Compare product selection Compare	loading
Not yet rated Bank of Ireland UK Basic Cash Account	Not yet rated	£0	No minimum funding requirement	0% AER	N/A	More info Compare product selection Compare	loading

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Finder Score for bank accounts

To make comparing even easier we came up with the Finder Score. Fees, features and customer service across 20+ of the most popular banks are all weighted and scaled to produce a score out of 10. The higher the score the better the account – simple.

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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

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 €5 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.

Written by

Oli Collins

Writer

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