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Our Personal Current Account is designed to give you everything you need to manage your everyday banking quickly and easily.
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).
View our Schedule of Fees and Charges for Personal Customers to see a list of what you can expect to pay for your account.
Personal overdraft representative example: The current variable standard overdraft interest rate is 13.25% (Annual Percentage Rate (APR) 16.2%). The APRC includes the overdraft facility fee of €30. 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.
Graduate overdraft representative example: The current variable overdraft interest rate for the Graduate Current Account is 9.4% (Annual Percentage Rate (APR) 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 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 and Conditions that apply to the overdraft. Please read them for more information.
Overdraft FAQs can be found here
Find out more
Whether you’re:
Bank of Ireland has a range of mortgage options to suit you.
How did we calculate this €8,100 amount?
€8,100 is based on 3% of €270,000 which is the average mortgage switcher to Bank of Ireland in the 12 months to April 2024, with 2% cashback paid on drawdown, and the remaining 1% cashback paid after five years. Terms and Conditions apply. Cashback is not available on High Value Mortgage fixed interest rates or on our standard variable rate.
Rate Options What’s more, we have a range of competitive fixed rate mortgages.
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.
EcoSaver Mortgage Loan Fixed Interest Rates
The EcoSaver fixed interest rate provides customers with discounts based on their Building Energy Rating (BER). The better the BER, the better the discount. The EcoSaver fixed rate is available to all customers, if you’re new to Bank of Ireland or already have a mortgage with us. You can get the EcoSaver fixed interest rate if you are borrowing to buy a home for yourself or your family, an investment property to let, or you’re switching your mortgage loan to us from another lender. You must supply a valid BER certificate to take advantage of the EcoSaver fixed rate. Available with fixed rates only. Terms and conditions apply.
*HVM is our High Value Mortgage Fixed Interest Rates
The High Value Mortgage fixed interest rates are a one, 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. Click here for full details and terms and conditions.
INFORMATION AND LEGAL NOTICES
Up to 3% cashback is available to first time buyers, movers and switchers who draw down a new mortgage. 2% cashback on draw down of a new mortgage. 1% bonus in 5 years subject to meeting the conditions of the mortgage. Additional 1% bonus not available for buy-to-let investment or equity release mortgages. Cashback is not available on High Value Mortgage fixed interest rates or standard variable rate. Terms and conditions apply.
The lender is Bank of Ireland Mortgage Bank u.c. or Bank of Ireland. Lending criteria and terms and conditions apply. A typical mortgage to buy your home of €100,000 over 20 years with 240 monthly instalments costs €613.16 per month at 4.15% variable (Annual Percentage Rate of Charge (APRC) 4.3%). APRC includes €150 valuation fee and mortgage charge of €175 paid to the Property Registration Authority. The total amount you pay is €147,482.50. We require property and life insurance. You mortgage your home to secure the loan. 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. A 1% interest rate rise would increase monthly repayments by €53.89 per month. The cost of your monthly repayments may increase – if you do not keep up your repayments you may lose your home. Available to over 18s only. APRC calculations are based on the cost per month on a €100,000 mortgage over 20 years.
Bank of Ireland Mortgage Bank u.c. trading as Bank of Ireland Mortgages is regulated by the Central Bank of Ireland.
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.
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 or on our standard variable rate. The mortgage will be subject to assessment of suitability and affordability.
The lender is Bank of Ireland Mortgage Bank u.c. Lending criteria and terms and conditions apply. A typical mortgage to buy your home of €100,000 over 20 years with 240 monthly instalments costs €613.16 per month at 4.15% variable (Annual Percentage Rate of Charge (APRC) 4.3%). APRC includes €150 valuation fee and mortgage charge of €175 paid to the Property Registration Authority. The total amount you pay is €147,482.50. We require property and life insurance. You mortgage your home to secure the loan. 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. A 1% interest rate rise would increase monthly repayments by €53.89 per month. The cost of your monthly repayments may increase – if you do not keep up your repayments you may lose your home. Available to over 18s only. APRC calculations are based on the cost per month on a €100,000 mortgage over 20 years.
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 or our standard variable 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. 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.
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 or our standard variable interest rate. For more information on our cashback offer please click here.
Our Switcher mortgages can be over terms up to 35 years.
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.
Thinking about buying to let?
You might be interested in the special features of our Buy to Let mortgage package.
With Buy to Let Mortgages you can get 2% cashback. This means you could get €4,000 euro cashback on a €200,000 Buy to Let mortgage.
Terms and Conditions apply.
Cashback offer
With Cashback, you can get up to 2% of your drawdown back in cash on qualifying fixed rates. Terms and conditions apply1.
Available on new mortgages drawn down.
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.
1. We will give you 2% of your new mortgage back as Cashback if you top up an existing mortgage or buy an investment property. Terms and conditions apply. Bank of Ireland Mortgage Bank u.c. trading as Bank of Ireland Mortgages is regulated by the Central Bank of Ireland.
The lender is Bank of Ireland Mortgage Bank u.c. or Bank of Ireland. Lending criteria and terms and conditions apply. A typical Buy to Let mortgage of €100,000 over 20 years with 240 monthly instalments costs €650.63 per month at 4.85% variable (Annual Percentage Rate of Charge (APRC) 5.1%). APRC includes a fee for the Banks solicitor of €950 plus VAT at 23% plus outlay of up to €350. The total amount you pay is €157,669.65. We require property insurance. You mortgage the property to secure the loan. Maximum loan is generally 70% of the property value. A 1% interest rate rise would increase monthly repayments by €55.55 per month.
We can tailor a loan to your needs.
Whether you’re planning your dream wedding or holiday, buying a new car, improving your home, or furthering your education.
Upcoming wedding, holiday or big purchase? You can get a loan tailored to you.
If you want to borrow more than €75,000, you can call our team on 0818 200 334. They will be happy to help you. You can also ask in your local Bank of Ireland branch.
If you’re not a Bank of Ireland customer, you can call us on 0818 200 334. You can also meet us at our onsite clinics in your workplace or you can visit a local branch.
* Representative example: The repayments on a personal loan of €20,000 over a 60-month period are €394.71 per month at 6.9% variable (Annual Percentage Rate (APR) 7.1%). Cost of credit is €3,682.60. Total repayment is €23,682.60. Variable rates are correct as of 5 February 2025 and are subject to change. Lending criteria, terms and conditions apply. Over 18s only, not suitable for students.
** Deferred repayments: By deferring your repayments at the start of your agreement you will pay more interest over the loan term than if you started to make repayments from the start. Deferred repayments are available to Bank of Ireland customers only.
Thinking of buying a hybrid, electric, petrol or diesel car? You can find the car loan to suit you.
* Representative example: The repayments on a green car loan of €20,000 over a 60-month period are €389.15 per month at 6.3% variable (Annual Percentage Rate (APR) 6.5%). Cost of credit is €3,349.00. Total repayment is €23,349.00. Variable rates are correct as of 5 February 2025 and are subject to change. Lending criteria, terms and conditions apply. Over 18s only, not suitable for students.
** Representative example: The repayments on a car loan of €20,000 over a 60-month period are €394.71 per month at 6.9% variable (Annual Percentage Rate (APR) 7.1%). Cost of credit is €3,682.60. Total repayment is €23,682.60. Variable rates are correct as of 5 February 2025 and are subject to change. Lending criteria, terms and conditions apply. Over 18s only, not suitable for students.
*** Deferred repayments: By deferring your repayments at the start of your agreement you will pay more interest over the loan term than if you started to make repayments from the start. Deferred repayments are available to Bank of Ireland customers only.
Are you thinking of improving or increasing the energy efficiency of your home? You can find the home improvement loan to suit you.
* Representative example: The repayments on a green home improvement loan of €20,000 over a 60-month period are €389.15 per month at 6.3% variable (Annual Percentage Rate (APR) 6.5%). Cost of credit is €3,349.00. Total repayment is €23,349.00. Variable rates are correct as of 5 February 2025 and are subject to change. Lending criteria, terms and conditions apply. Over 18s only, not suitable for students.
** Representative example: The repayments on a home improvement loan of €20,000 over a 60-month period are €394.71 per month at 6.9% variable (Annual Percentage Rate (APR) 7.1%). Cost of credit is €3,682.60. Total repayment is €23,682.60. Variable rates are correct as of 5 February 2025 and are subject to change. Lending criteria, terms and conditions apply. Over 18s only, not suitable for students.
The Home Energy Upgrade Loan Scheme was set up by the Strategic Banking Corporation of Ireland (SBCI).*
It was set up to help homeowners to make their homes warmer, cheaper to run, and help lower emissions. The scheme makes it easier and more affordable to improve your home’s energy use.
You can get a low-interest green loan at 3% APR. This loan is for people who are:
The scheme has a guarantee that has been provided by the European Investment Fund (EIF) and European Investment Bank (EIB). It is supported by the Department of Environment, Climate and Communications (DECC).
The scheme is open until the 31 December 2026. It will close before that if the scheme has been filled.
Visit the Home Energy Upgrade Loan Scheme for information on eligibility.
* Bank of Ireland is not responsible for the information on third party websites.
** Representative example: The repayments on a Home Energy Upgrade Loan of €20,000 over 60-month period are €358.87 per month at 2.95% variable (Annual Percentage Rate (APR) 3%). Cost of credit is €1,532.20. Total repayment is €21,532.82. Variable rates are correct as of 5 February 2025 and are subject to change. Lending criteria, terms and conditions apply. Over 18s only, not suitable for students.
Only available to customers upgrading the energy efficiency of their home. Customers must be in receipt of an eligible SEAI grant and works must be undertaken by an SEAI registered One Stop Shop provider, SEAI Energy Partner or SEAI Community Project Coordinator. A copy of the Home Energy Summary Report will be required.
*** Deferred repayments: By deferring your repayments at the start of your agreement you will pay more interest over the loan term than if you started to make repayments from the start. Deferred repayments are available to Bank of Ireland current account customers only.
This table illustrates how much it could cost to borrow various amounts over 5 years.*
View information on all available rates and loan terms.
Variable rates are correct as at 5 February 2025 and are subject to change. Lending criteria, terms and conditions apply. Over 18s only, not suitable for students.
* 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.
Get our best rate on regular savings with a fixed rate for 12 months. Save smart and feel super.
To find out more about the product, download our information sheet.
View our customer information sheet here.
View our customer deposits interest rate sheet here.
Terms and conditions apply to all deposit accounts.
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:
Features
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)
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. To do this, you will need to give us all of the relevant information and documentation. If you are not yet a Bank of Ireland customer, we may take longer to approve your application.
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:
Representative example of Aer Credit Card purchase at standard interest rate of 14% variable. Typical Annual Percentage Rate (APR) of 22.7% variable including annual Government Stamp Duty of €30 and an Annual charge of €78 (this is made up of 12 monthly charges of €6.50). Assuming purchase of €3,000 repaid in equal instalments over a 12 month period. The total amount repayable by customer is €3,335.50 which includes initial purchase of €3,000 and a total cost of credit of €335.50.
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 Underwriting, terms and conditions apply. 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.
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 €6.50. 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:
Representative example of Classic Credit Card purchase at standard interest rate of 16.12% variable. Typical Annual Percentage Rate (APR) of 22.1% variable including annual Government Stamp Duty of €30. Assuming purchase of €1,500 repaid in equal instalments over a 12 month period. The total amount repayable by customer is €1,661.01 which includes initial purchase of €1,500 and a total cost of credit of €161.01.
*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, 9am – 5pm (excluding Bank Holidays) 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.
Our most prestigious credit card offers a wide range of benefits which include:
Representative example of Platinum credit card purchase at standard interest rate of 13.79% variable. Typical Annual Percentage Rate (APR) of 19.6% variable including annual Government Stamp Duty of €30 and an Annual Charge of €76.18. Assuming purchase of €5,000 repaid in equal instalments over a 12 month period. The total amount repayable by customer is €5,479.71 which includes initial purchase of €5,000 and a total cost of credit of €479.71.
* At least 50% of your total trip fare (transportation cost) 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, 9am – 5pm (excluding Bank Holidays) 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.
Underwriting, terms and conditions apply. 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.
With our Affinity Credit Cards, you get all the advantages that a great credit card offers.
Bank of Ireland will also donate to the college you choose. They will also 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.
Representative Example of Affinity credit card purchase at standard interest rate of 14.57% variable. Typical Annual Percentage Rate (APR) of 20.2% variable including annual Government Stamp Duty of €30. Assuming purchase of €1,500 repaid in equal instalments over a 12 month period. The total amount repayable by customer is €1,648.38 which includes initial purchase of €1,500 and a total cost of credit of €148.38.
* 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, 9am – 5pm (excluding Bank Holidays) 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.
We offer one of the most comprehensive policies in the market:
We now offer two competitive quotes to battle over.
Get two quotes in minutes. Here’s how:
Step 1: Simply click ‘get a quote’.
Step 2: Complete a home insurance quote in minutes.
Step 3: You will be provided with two competitive options to choose from both will give you the same features and benefits – just a different price.
Step 4: Choose the right price option for you.
In order to complete a quote and apply your discount, you will need have your promo code ready.
Save a further 10% discount as a Bank at Work customer by using promocode Online10.
If you are a Bank at Work new mortgage customer save up to 15% on your Home Insurance by using promocode MORTGAGE.
* 15% off where you apply for a Home Insurance quote online use Promo code MORTGAGE as above. Minimum premium may apply (inclusive of 5% government levy). Promotional offer available until 31 December 2025. Only one discount code can be used per purchase. Promotional offer available to new policies only. Discount applies to new policies and for the first year only. Underwriting, terms and conditions apply. Home Insurance is arranged by Bank of Ireland Insurance Services and underwritten by RSA Insurance Ireland DAC or FBD Insurance plc. 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. A member of the Bank of Ireland Group. RSA Insurance Ireland DAC trading as RSA Insurance is regulated by the Central Bank of Ireland. FBD Insurance PLC is regulated by the Central Bank of Ireland.
Underwriting criteria, terms and conditions apply. Based on insurance products with comparable benefits.
Please visit our Important Documents section on our website for documents relating to your Home Insurance Policy, including Terms and Conditions and Terms of Business.
Information on how to make a Home Insurance claim can also be found on our website.
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 PLC. 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.
Whether it’s a winter ski holiday, a weekend city-break, a family holiday in the sun or that once in a lifetime trip you’ve been dreaming of, the only thing you should be worrying about is enjoying it. Get piece of mind Travel Insurance with Bank of Ireland Insurance Services.
Multi trip and single holiday travel insurance options available.
Cover that gives you peace of mind so that you can relax and enjoy your trip.
Optional extras available to suit your needs:
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.
If you are looking to finance your car purchase, our motor finance product may be the most suitable option for you. Motor finance has a fixed APR (Annual Percentage Rate) of 5.85%1 for new and used Battery Electric Vehicles (BEV’s) and 6%2 for all other new and used cars. You can finance amounts from €7,000 on our consumer hire purchase product which is easy to arrange.
1. Representative Finance Example: Finance Amount: €20,000 at a rate of 5.85% APR over a 5 year term will require 60 monthly repayments of €381.73. Total Cost of Credit is €3,030.78. A documentation fee of €63.49 and a purchase fee of €63.49 applies. 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. This is a Consumer Hire Purchase Agreement provided by Bank of Ireland Finance. Ownership remains with Bank of Ireland Finance until the final payment is made. Bank of Ireland trading as Bank of Ireland Finance is regulated by the Central Bank of Ireland.
2. Representative Finance Example: Finance Amount: €20,000 at a rate of 6% APR over a 5 year term will require 60 monthly repayments of €383.05. Total Cost of Credit is €3,109.98. A documentation fee of €63.49 and a purchase fee of €63.49 applies. 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. This is a Consumer Hire Purchase Agreement provided by Bank of Ireland Finance. Ownership remains with Bank of Ireland Finance until the final payment is made. Bank of Ireland trading as Bank of Ireland Finance is regulated by the Central Bank of Ireland.
3. The supplying Motor Dealer must be an approved Motor Dealer in the Republic of Ireland.
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.
Bank of Ireland Premier is a relationship service that can help to take your finances to the next level.
As a Premier customer, you will benefit from:
You can get Bank of Ireland Premier at no extra cost if:
Or
You need to be 18 years of age or more and be resident in the Republic 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.
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. Our graduate current account has been specially developed to help you make the most of your options.
Find out more about a Graduate Current Account offering here.
We understand that as a graduate, you might need some extra flexibility with your account.
You can find out more about our Graduate Overdraft here.
Buying your first car, going on that once in a lifetime trip or planning an up and coming wedding? Get a loan that’s tailored to you.
Find out more about our Personal Loans here.
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:
If you want to make a payment of over €20,000, please contact our team. They will be happy to chat through options in different currencies with you.
Our dedicated Foreign Exchange (FX) team can offer:
Contact our FX team on 01 6094300 or askthedealer@boi.com
FX Rate Calculator
Currency Deposit Accounts
Terms and Conditions
IBAN SWIFT Explained
Contact the Foreign Exchange team on askthedealer@boi.com. You will get a response usually within 24 hours, Monday to Friday.
Talk to a member of our dedicated Foreign Exchange Dealing team on 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 to…
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