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Our Personal Current Account is designed to give you everything you need to manage your everyday banking quickly and easily. Now applying to open a current account is as easy as making a phone call.
Please note: this section contains external links which will open in a new tab. If you would like to book a call/appointment with your Bank at Work advisor, please do so via either of the buttons on the top right of the page if on desktop, or top of page if on mobile, or via the Request a callback button at the bottom of this section.
*This 365 online service is only available to ROI customers.
An overdraft facility fee of €30 applies on negotiation and annual renewal.
(Currently these charges do not apply to customers with a Graduate or Golden Years Current Account).
For details please refer to our Schedule of fees and charges for personal customers brochure:
Schedule of Fees and Charges for Personal Customers
The current variable standard overdraft interest rate (including the overdraft facility fee) is 13.25% (Annual Percentage Rate of Charge (APRC) 16.2%. The rate quoted is based on a representative example of €1,500 over a 12 month period. Total cost of credit is €243.02. Variable rates correct as at 30th June 2022 and are subject to change.
If your account is overdrawn, interest is charged on the full overdrawn balance, regardless of whether the overdraft is within an agreed overdraft limit or there is an unauthorised overdraft. Lending criteria, terms and conditions apply. Applicants must be over the age of 18 years old.
There are Terms & Conditions that apply to the overdraft. Please see below for more information.
Terms and Conditions
Overdraft FAQs can be found here
Apply Now
Why do we offer students more? It’s simple. Because in ten years’ time, you’ll still be one of our customers. You can start taking more control of your life and your money. With your own bank account you can save up for something big or spend a little whenever you want – it’s up to you.
To apply online, click here.
There are Terms & Conditions that apply to the 2nd Level Current Account. Please see below for more information.
Click here for the terms and conditions.
Bank of Ireland has a range of mortgage options to suit you whether you’re moving, investing, switching from another provider or thinking of taking the first step toward owning your own home.
How did we calculate this €8,700 amount?
€8,700 is based on 3% of €290,000 which is the average mortgage switched to Bank of Ireland in the 12 months to April 2022, with 2% cashback paid on drawdown, and the remaining 1% cashback paid after five years. Terms and Conditions apply. Cashback is not available with the High Value Mortgage fixed interest rate.
Available on new mortgages drawn down by 31 December 2023.
Rate Options What’s more, we have a range of competitive fixed rate mortgages with terms from 1 to 10 years.
Find out more about your rate options.
To help you with your house-hunting, Anne Carroll, our own property expert, has outlined her Essential Tips for Homebuyers, and we’ve also set out the key steps in the mortgage application process – we hope you find these helpful.
We’re happy to chat through the mortgage process and answer any questions you might have at any stage.
Green Mortgage Interest Rate
The Green Mortgage is a discount (reduction) of 0.30% that we apply to our standard mortgage loan fixed rates. The Green Mortgage is available to you if you are buying a property that has a Building Energy Rating (BER) of B3 or better or are borrowing to build or up-grade your home so that it has a BER rating of B3 or better or if you are switching your mortgage loan to us from another lender and the property has a BER Rating of B3 or better, AND you draw down your new mortgage loan by 31 December 2023. Click here for full details and terms and conditions.
*HVM is our High Value Mortgage Fixed Interest Rates
The High Value Mortgage Interest rates are four, five or seven year fixed interest rate with no Cashback. The High Value Mortgage is available to you if you are buying or building a property to live in as your home or are switching your mortgage loan to the Bank of Ireland Group from another mortgage lender outside our Group, AND you are borrowing €250,000 or more, AND you draw down your new mortgage loan by 31 December 2023. Click here for full details and terms and conditions.
For our Mortgage Calculators click here.
For our Mortgage Rates click here.
At Bank of Ireland, we’re with you through your mortgage journey, with solutions designed to suit you – from the time you start saving for your deposit, when you’re ready to buy, and throughout the life of your mortgage.
There are a lot of myths around applying for a mortgage – have a look here to see if they are true. Bank of Ireland is here to help you plan every step of the way. If you already have a deposit saved, talk to us today. Or check out our online Mortgage Saver account – it’s designed especially to help you save for your mortgage and it’s really easy to apply. Here’s a look at what you need to get mortgage ready in a little more detail. To find out more about our First Time Buyer Mortgage please click here.
Our First Time Buyer mortgages can be over terms up to 35 years. We provide House Hunter mortgage approval which is approval for a loan amount even before you have found a suitable property. You will need to have a property valuation carried out on the property and also have life cover and home insurance in place before you can draw down your mortgage. We can bring you through all of this so there’s no surprises.
We want to help you make the most of your mortgage. Have a look at how you can flex your mortgage to suit your lifestyle with our Flexi-options.
Dermot Bannon also has some great tips to consider when you’re looking to buy your first home.
INFORMATION AND LEGAL NOTICES
Cashback offers available on new mortgages drawn down by 31 December 2023. Additional 1% Cashback in 5 years is not available with Buy to Let Investment mortgages. Cashback is not available with the High Value Mortgage fixed interest rate.
The lender is Bank of Ireland Mortgages. Lending criteria and terms and conditions apply. Over 18s only. Mortgage approval is subject to assessment of suitability and affordability. You mortgage your property to secure the loan. We require property and life insurance. Maximum loan is generally 3.5 times gross annual income (4 times gross annual income for first time buyers) and 90% of the property value, (70% of the full property value for Buy to Let) but these limits may vary. A typical mortgage of €100,000 over 20 years with 240 monthly instalments costs €615.79 per month at 4.2% variable (Annual Percentage Rate of Charge (APRC) 4.3%). The total amount you pay is €148,114.60. APRC includes €150 valuation fee and mortgage charge of €175 paid to the Property Registration Authority. A 1% interest rate rise would increase monthly repayments by €54.02 per month. [The cost of your monthly repayments may increase – if you do not keep up your repayments you may lose your home].
Bank of Ireland Mortgage Bank u.c. trading as Bank of Ireland Mortgages is regulated by the Central Bank of Ireland.
At Bank of Ireland, we’re with you through your mortgage journey, with solutions designed to suit you – from the time you start saving for your deposit, when you’re ready to buy, and throughout the life of your mortgage. You could also get 2% of mortgage back in cash and a further 1% back in cash in five years’ time (subject to meeting the conditions of the mortgage). Cashback is not available with the High Value Mortgage fixed interest rate. For more information on our cashback offer please click here.
If you’re thinking of moving, here are some things to consider that might be helpful. More information on our mortgages for Movers can be found here.
If you are upsizing, downsizing or just after that dream garden or location, we are here to help you with your mortgage application. Our Mover mortgages can be over terms up to 35 years (to max age 70). You may have been here before but buying any new home is a big decision. Have a look at these buying tips. When you have found the one you are looking for, Bank of Ireland will be here to help you every step of the way. You will need to have a property valuation carried out on your new property and also have life cover and home insurance in place before you can draw down your mortgage. We can bring you through all of this so there’s no surprises.
Dermot Bannon also has some great tips to consider when you’re looking
Cashback offers available on new mortgages drawn down by 31 December 2023. Additional 1% Cashback in 5 years is not available with Buy to Let Investment mortgages.Cashback is not available with the High Value Mortgage fixed interest rate.
Depending on the interest rate you are currently on, you could save money by switching your mortgage to Bank of Ireland. You could also get 2% of mortgage back in cash and a further 1% back in cash in five years’ time (subject to meeting the conditions of the mortgage).Cashback is not available with the High Value Mortgage fixed interest rate. For more information on our cashback offer please click here.
Our Switcher mortgages can be over terms up to 35 years (to max age 70).
Try our Switcher Calculator to see what you could save.
There are legal and valuation fees associated with switching a mortgage but we can bring you through the process for this and make it as easy as possible. More information on our mortgages for Switchers can be found here.
Click here for a guide to switching your mortgage and an outline of the documents you will need.
If you’re considering borrowing to invest in property you may be interested in the special features of our Buy to Let mortgage package.
Available on new mortgages drawn down by 31 December 2023. Flexible repayment options for Buy to Let Mortgages include:
Interest only options revert to a standard repayment mortgage at the end of the Interest-Only period. Interest only limits can vary, so come and talk to us.
Terms of up to 30 years are available for Buy to Let mortgages.
We will also consider Equity Release for Bank of Ireland business and personal customers who bought residential investment properties with cash in the previous 3 years. This can let you release equity in your property portfolio to further invest in other asset classes and get your cash working harder for you.
Have a look here for more information on potential costs, requirements and other sources of information for Investors.
Looking for a personal loan to start something new? Flexible repayment loans are available.
Lending criteria, terms and conditions apply.
*APR stands for Annual Percentage Rate.
**15 minutes refers to completed online personal loan applications by Bank of Ireland current account holders. Rate offered depends on loan amount and may differ from advertised rate. Lending criteria, terms and conditions apply. Over 18s only and not suitable for students. Only banking 365 online registered customers can apply online.
The repayments on a personal loan of €20,000 over 5 years with 60 monthly instalments are €391.92 per month at 6.6% variable (Annual Percentage Rate of Charge (APRC) 6.8%). The total cost of credit is €3,515.20. Variable rates are correct as at 30th June 2022 and are subject to change.
For amounts above €65,000 please call 0818 200 334 or enquire in your local Bank of Ireland branch. Non-Bank of Ireland customers can call us on 0818 200 334, meet us at our onsite clinics in your workplace or drop into a local branch.
With Bank of Ireland, depending on your car finance needs, you can apply for a Standard Car Loan or a Consumer Hire Purchase Agreement. The choice is entirely yours! To help you decide…
Apply now
Loans are provided by Bank of Ireland.
For Consumer Hire Purchase of €7,000 or more, click on our Car Finance tab or call 1850 812 080.
Hire purchase is provided by Bank of Ireland Finance which is a registered trading name of Bank of Ireland. Lending criteria and terms and conditions apply. Applicants must be aged 18 years or over.
Make it real and borrow €20,000 for less than €395 a month over 5 years. Features:
A variable rate loan from Bank of Ireland gives you greater flexibility.
Competitive variable rates from as little as 6.8% APR*
How much can I afford to borrow? To give you an idea, the table below provides an example of varying loan amounts over a five year period.
Rate offered depends on loan amount and may differ from advertised rate. Lending criteria, terms and conditions apply. Over 18s only and not suitable for students. Only banking 365 online registered customers can apply online.
**Terms up to 7 years available for Home Improvement Loans only.
You work hard for your money and now is the time for your money to work hard for you. At Bank of Ireland we offer a range of savings accounts to meet your needs, whether you want access to your cash, a fixed rate or an account you can open and manage online.
Features
View our customer deposits interest rate sheet here.
Terms and conditions apply to all deposit accounts.
Do you need to save regularly to build up a deposit for a Mortgage? With a MortgageSaver Account you can:
Exclusive offer for First Time Buyers – Open a MortgageSaver account and we’ll top up your savings by €2,000! (subject to DIRT at the prevailing rate)
If you’re not a Bank of Ireland customer, to open an account online you need the following documents available to upload during the application:
View our deposits rate sheet here.
Terms and conditions apply to all Deposit Accounts.
To open an account online, click here.
Choose a Bank of Ireland credit card today and avail of the great features and benefits below. It only takes a few minutes to apply online and you can be approved in 24 hours.
Here at Bank of Ireland we’ve teamed up with Aer Lingus to bring you a new and exciting kind of credit card. It’s called Aer Credit Card and it comes with a whole host of amazing travel rewards that could turn your ordinary spend into your next Adventure.
All the benefits of a standard credit card plus:
Find Out More
1 The fare is free, you pay the taxes, fees and charges. Available when you spend €5,000 or more within a Reward Year on the Aer Credit Card, except for Excluded Transactions. Free return fares are for a European Aer Lingus ticketed and operated flight to/from Dublin, Cork, Shannon or Belfast. A minimum of two seats per flight will be available, except for Restricted Periods. Seat availability on the Aer Lingus website or through a booking agent does not guarantee a free return fare.
2 To access Aer Lingus operated lounges at Dublin, Cork, Shannon and Belfast Airports every Reward Year when flying on an Aer Lingus operated flight.
3 On Aer Lingus operated flights out of Ireland at selected airports every Reward Year.
4 Acceptance criteria, terms and conditions apply. Bank of Ireland Travel Insurance is underwritten by AIG Europe S.A.
5 You do not earn Avios on excluded transactions. Avios are issued and redeemed in accordance with Avios Terms and Conditions. Please see www.avios.com for more details.
Aer Credit Card is brought to you by Bank of Ireland in partnership with Aer Lingus. Over 18s only. Lending criteria, terms and conditions apply. Subject to a monthly fee of €7.99. Bank of Ireland is regulated by the Central Bank of Ireland.
Our Classic Credit Card is a great way to help you manage your day-to-day finances and offers a host of benefits including:
*Cross border handling fee applies to non-euro transactions. **Purchase Interest is charged if you don’t pay your credit card in full by your due date.
Find out more about the Bank of Ireland Classic Credit Card now or call 0818 200 412 during Monday to Friday, 8am–8pm with any questions or concerns about how to apply for your classic credit card.
Lending criteria terms and conditions apply to all credit cards.
Bank of Ireland is regulated by the Central Bank of Ireland.
The Platinum Credit Card is our most prestigious card and offers a host of benefits including:
* At least 50% of your total holiday costs of your insured journey must be paid using your Platinum Credit Card. ** Cross border handling fee applies to non-euro transactions. *** Purchase Interest is charged if you don’t pay your credit card in full by your due date.
Find out more about the Bank of Ireland Platinum Credit Card now or call 0818 200 412 Monday to Friday, 8am – 8pm with any questions or concerns about how to apply for your platinum credit card.
Credit Cards are liable to annual Government Stamp Duty, currently €30 per account. An annual fee of €76.18 applies to this card. Lending criteria and terms and conditions apply.
Credit cannot be offered to anyone under 18 years of age.
Travel Insurance is provided by Bank of Ireland Insurance Services Limited. Bank of Ireland Insurance Services Limited is a member of the Bank of Ireland Group. Bank of Ireland Insurance Services Limited is regulated by the Central Bank of Ireland.
The Travel Insurance cover is underwritten by AIG Europe Limited. AIG Europe Limited is authorised by the Prudential Regulation Authority of the United Kingdom, and is regulated by the Central Bank of Ireland for conduct of business rules.
With Affinity Credit Cards from Bank of Ireland, you not only get all the advantages of a great credit card, we will also make a donation to the college you choose and will donate a percentage of your annual expenditure at no expense to you.
Affinity Programmes available are: Trinity College Dublin, University College Dublin, University College Cork, University of Limerick, NUI Galway, Maynooth University.
* Cross border handling fee applies to non-euro transactions. **Purchase Interest is charged if you don’t pay your credit card in full by your due date.
Find out more and choose your Affinity Card or call 0818 200 412 Monday to Friday, 8am – 8pm with any questions or concerns about how to apply.
Credit cards are liable to Government Stamp Duty of €30. Credit cannot be offered to anyone under 18 years of age.
At Bank of Ireland, we want to make sure you’re covered when you need it most. We provide comprehensive products at very competitive prices and have a quick and easy claims process.
A home Insurance policy arranged through Bank of Ireland Insurance Services has options that allow you to tailor your insurance policy to suit your needs and your pocket. We offer:
As a Bank at Work customer you can avail of a 10% discount** on your Home Insurance.
In order to complete a quote and apply your discounts, you will need your promo code. There are 4 promo codes, please pick one of the below, based on the location of your office:
**10% discount for Bank at Work employees on new policies applies for one year only. Minimum premiums may apply (inclusive of 5% government levy).
Please click here to learn more about how to make a claim.
We are committed to providing our customers with a high standard of service at all times. If you have a complaint in connection with company service, the details of your policy, perceived conflict of interest or treatment of a claim please contact Bank of Ireland Insurance Services Limited on 01- 2901958 immediately, or write to The Customer Services Manager at; Bank of Ireland Insurance Services Limited PO BOX 12888 Dublin 17
In the event of your complaint not being resolved to your satisfaction you may contact: The Insurance Information Service, Insurance Ireland, Insurance Centre, 5 Harbourmaster Place, IFSC, Dublin 1, DO1 E7E8. Telephone (01) 676 1820. Email: feedback@insuranceireland.eu or The Financial Services and Pensions Ombudsman (FSPO), Lincoln House, Lincoln Place, Dublin 2, D02 VH29. Telephone +353 1 567 7000. Email: info@fspo.ie You may appeal a Financial Services and Pension Ombudsman finding to the High Court. We will not bear the cost of any appeal you bring.
Home Insurance is arranged by Bank of Ireland Insurance Services and underwritten by RSA Insurance Ireland DAC & FBD Insurance Ireland. Bank of Ireland Insurance Services Limited trading as Bank of Ireland Insurance and Bank of Ireland Insurance is regulated by the Central Bank of Ireland. RSA Insurance DAC is regulated by the Central Bank of Ireland. FBD Insurance PLC is regulated by the Central Bank of Ireland. Underwriting, terms and conditions apply. A full list of terms, conditions and exclusions are contained in your policy booklet.
Flexible travel insurance arranged by Bank of Ireland Insurance Services that suits your budget and individual needs. Multi Trip and Single Trip Holiday Travel Insurance options available.
20% discount on your Travel Insurance when you are an existing Bank of Ireland customer.
Cover that gives you peace of mind so that you can relax and enjoy your trip.
Our digital insurance wallet allows you to:
You can complete a quote online by clicking here.
Please contact Bank of Ireland Insurance Services Claims Unit at Chubb. Telephone 1800 719 086 or email boi.travelinsurance@chubb.com
If you wish to make a complaint you may do so by writing to Bank of Ireland, Customer Complaints Team, Floor 1, Newlands Cross Business Centre, Clondalkin, Dublin 22 D22 W324. In the event of your complaint not being resolved to your satisfaction you may contact: The Insurance Information Service, Insurance Ireland, Insurance Centre, 5 Harbourmaster Place, IFSC, Dublin 1, DO1 E7E8. Telephone (01) 676 1820. Email: feedback@insuranceireland.eu or The Financial Services and Pensions Ombudsman (FSPO), Lincoln House, Lincoln Place, Dublin 2, D02 VH29. Telephone +353 1 567 7000. Email: info@fspo.ie You may appeal a Financial Services and Pension Ombudsman finding to the High Court. We will not bear the cost of any appeal you bring.
Travel insurance is arranged by Bank of Ireland Insurance Services and is underwritten by Chubb European Group SE. Bank of Ireland Insurance Services Limited trading as Bank of Ireland Insurance Services and Bank of Ireland Insurance is regulated by the Central Bank of Ireland. A member of Bank of Ireland Group. Chubb European Group SE is authorised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) in France and is regulated by the Central Bank of Ireland for conduct of business rules. Underwriting, terms and conditions apply. A full list of terms, conditions and exclusions are contained in your policy booklet.
At Bank of Ireland we offer flexible car insurance that allows you to pick the cover that suits your budget and your individual needs.
Choose either our Popular or Prestige products and upgrade to include a range of extra protections to cover, for example, child seats, satnavs and even decontamination if you fill your car with the wrong fuel. You can also avail of our monthly payment plan with no fees or charges. See below to find out more on the product features and benefits.
*45% off our standard Car Insurance rates where you are an employee of a Bank at Work company and have a Bank of Ireland Home Insurance policy & you are an existing Bank of Ireland customer. 35% is the maximum discount where you are an employee of a Bank at Work company & an existing Bank of Ireland customer who does not have a Bank of Ireland Home Insurance policy. 10% is the maximum discount where you are an employee of a Bank at Work company and are not an existing Bank of Ireland customer and do not have a Bank of Ireland Home Insurance policy. Offer only available to new policies and for the first year only. Minimum premium of €280.88 inc levy (€262.50 ex levy) applies. Offer end date of 31 December 2022. Underwriting criteria, terms and conditions apply.
With our Popular car insurance, choose from either Third Party Fire & Theft or Comprehensive covers, both of which include these benefits as standard:
Our Prestige car insurance has all of the Popular features, plus these extra benefits as standard:
Customise your cover further by adding extra protections such as:
Click here for a more detailed summary of our features, benefits, restrictions and exclusions.
Click here for a full policy document.
Terms of business
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Terms and conditions apply.
Car Insurance is arranged by Bank of Ireland Insurance Services and underwritten exclusively by RSA Insurance Ireland DAC. Bank of Ireland Insurance Services Limited trading as Bank of Ireland Insurance and Bank of Ireland Insurance Services is regulated by the Central Bank of Ireland. A member of the Bank of Ireland Group. RSA Insurance Ireland DAC is regulated by the Central Bank of Ireland. Underwriting, terms and conditions apply. A full list of terms, conditions and exclusions are contained in your policy booklet.
For finance amounts over €7,000, our excellent Consumer Hire Purchase package offers a great fixed rate APR for Bank at Work company employees. Consumer Hire Purchase is a traditional form of car finance that is very convenient to arrange.
For more information simply complete a short contact request form and a Car Finance Specialist will telephone you at a convenient time to progress your application. Alternatively, you can drop into your local branch or call us on 0818 812 080.
Consumer Hire Purchase is suitable for you if:
APR stands for Annual Percentage Rate.
Download Terms and Conditions PDF
Hire purchase is provided by Bank of Ireland Finance which is a registered trading name of Bank of Ireland. Lending criteria and terms and conditions apply. Applicants must be aged 18 years or over. The information is for illustrative purposes only and does not constitute an offer.
Premier Banking is a banking service that goes beyond what is expected of a bank, and is designed for customers with more complex financial needs.
Typically, Premier Banking is available to customers who have an annual gross income paid into a Bank of Ireland current account of €100,000 and/or €100,000 saved or invested through Bank of Ireland.
If you are already a Premier Customer, you can call our dedicated Premier Direct team at 0818 365 121.
If you would like to talk about becoming a Premier Banking customer, click to arrange a callback below.
If you have graduated from full time third level education in the last three years, you can apply for a graduate current account. Being a graduate means making important life choices. We offer a fantastic range of benefits and expert financial advice to help you on your way.
To qualify for Graduate Banking you must have graduated from full-time third level education in the last three years. When applying for any of the listed products you must advise that you are a Graduate in order to avail of the offers. Graduate Banking and associated benefits are valid for a period of one year from the date you avail of the Graduate Package. The Graduate Package is subject to terms and conditions. Some additional charges may apply.
At Bank of Ireland we understand your long-term potential and we value your business – both now and in the future.
With a Graduate Current Account, there are no fees for maintaining the account and no individual transaction charges for a range of current account fees and service charges. There are a small number of services that you may be charged for, such as using your debit card for transactions in a foreign currency. For details, see our Schedule of Fees and Charges for Personal Customers.
To learn more about Graduate Banking, click here.
There is currently no overdraft facility fee for Graduate Accounts.
For details refer to our Schedule of fees and charges for Personal Customers brochure:
Schedule of fees & charges for personal customers
The current variable overdraft interest rate for the Graduate Current Account is 9.4% (Annual Percentage Rate of Charge (APRC) 9.7%). The rate quoted is based on a representative example of €1,500 over a 12 month period. Total cost of credit is €146.05. Variable rates correct as at 23rd November 2020 and are subject to change.
APR stands for Annual Percentage Rate
Lending criteria, terms and conditions apply. Applicants must be 18 or over. Applicants must be resident in the Republic of Ireland. Generally, student applicants should be undertaking a full time course in a recognised 3rd level college in the Republic of Ireland. Only Bank of Ireland customers can apply.
The repayments on a student loan of €5,000 over a 60 month period are €94.20 per month at 4.95% variable (Annual Percentage Rate of Charge (APRC) 5.0%). Total amount repayable is €5,652.00. Total cost of credit is €652.00. Variable rates correct as at the 30th June 2020 and are subject to change.
There can be many reasons why customers may need to send or receive non-euro payments or “international payments”:
Banking 365 for International Payments
For customers who wish to make regular online payments, Banking 365 is easy, secure, and offers a range of benefits:
For currency payments over €20,000 please get in touch with our team who would be happy to chat through foreign exchange options with you. Our dedicated FX team can offer:
Contact our FX team on 01 6094300 or askthedealer@boi.com
FX Rate Calculator
Currency Deposit Accounts
IBAN SWIFT Explained
Contact the FX team- askthedealer@boi.com response within 24 hours Monday to Friday.
Talk to a member of our dedicated FX Dealing team 01 6094300
It’s not fun to think about it but a serious illness or death can have significant financial consequences on a family due to loss of income. Bank of Ireland Life has a range of life insurance and serious illness solutions that can help protect you and yours financially if the worst was to happen.
Learn more about protection for
Please be assured that Bank of Ireland takes your privacy very seriously. Your information will be used in accordance with our Data Privacy Notice which is available at www.bankofireland.com/privacy for more information.
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