Standard Current Account

This current account is designed to give you everything you need to manage your everyday banking quickly and easily.

Simple to use, it offers a comprehensive range of services and you may qualify for free day-to-day banking transactions1.

It's ideal for today's busy world, where it can be hard to find time to enjoy life, let alone look after your finances.

You can now apply to earn interest on cleared credit balances of up to €1,500 in any interest quarter.

What you gain with a Standard Current Account

How to qualify for free day-to-day banking transactions

It's easy to automatically qualify for free day-do-day banking transactions in a fee quarter3

Make at least three payments from your personal current account using Bank of Ireland 365 phone or online4 services during the fee quarter, OR keep a minimum balance of €500 in that account for the full fee quarter.

With FREE day-to-day banking transactions you could avail of:

  • Free withdrawals at ATMs or in branch5
  • Free lodgements
  • Free direct debits and standing orders
  • Free Laser transactions and cashback5
  • Free cheques6

Some additional charges may apply. See our brochure "Schedule of Fees and Charges for Personal Customers" for full details of fees and charges, including Government Duty and interest surcharges, that may apply to your personal current account.

Credit Interest

If you are a personal current account customer on our "Pay as you Go" or "Flat Fee" fee options or an Accountholder with our Golden Years Current Account you can, in any interest quarter, earn interest7 on cleared credit balances8 of up to €1,500, provided you:

  • Apply by completing and returning the Credit Interest Registration Form9 (PDF, 105KB)
  • Make at least three debit transactions4 from your personal current account using Bank of Ireland 365 phone or online in the relevant fee quarter
  1. Terms and Conditions apply.
  2. Lending criteria and terms and conditions apply. There is an annual overdraft facility fee (currently €25).
  3. Account transaction fees are currently calculated quarterly, with each new fee quarter starting on the weekend closest to 21 February, 21 May, 21 August and 21 November. Account balances are measured based on the overnight balance in the account (per postal statement). There may be a difference in balance between the postal statement and other sources of balance information available such as online and ATM. The balance used to apply free day-to-day banking transactions is that as per your postal statement. Transactions undertaken after 5pm on a working day, or at anytime during a non-working day (i.e. Saturdays, Sundays and bank and public holidays), may not be reflected in the account until the following working day. These dates and times may be subject to change
  4. Payments made by standing order or direct debit do not qualify as Bank of Ireland 365 phone and online debits for the purpose of this offer.
  5. Including ATM (Cirrus) withdrawals and Maestro debit card payments in euro within the EU, Iceland, Liechtenstein and Norway. There is an additional charge for all other Cirrus/Maestro transactions. Government stamp duty applies to ATM/Laser cards.
  6. Government stamp duty applies to each cheque.
  7. Credit Interest rates are variable and are subject to change. Credit interest is subject to DIRT.
  8. There can be a difference between your cleared credit balance and your statement balance as the statement balance may include items still in the course of collection.
  9. To comply with Savings Tax Directive requirements, proof of identity and current permanent address is required.

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