Bank of Ireland

Customer Image

Schedule of Fees and Charges 365

Republic of Ireland -  ROI Schedule of Fees and Charges for Personal Customers (PDF) 

Northern Ireland - NI Schedule of Fees and Charges for Personal Customers (PDF)

Great Britain - GB Schedule of Fees and Charges for Personal Customers (PDF)

For further information, and to view the 365 online frequently asked questions in relation to Fees and Charges, please click on the relevant jurisdiction below.

Enquiry Image

ROI

Fees and Charges Republic of Ireland

As a personal customer how do I avoid paying for day to day banking transactions fees?

Our No Transaction Fees Offer means customers who meet certain qualifying criteria are not charged for some of the day to day transactions on their account.

To qualify for this offer in this fee quarter you must maintain a minimum credit balance of €3,000 in your Personal Current account throughout the full fee quarter. You will still be liable for the €5 quarterly maintenance fee.

Lodgements received and payments made after cut off times or anytime on a non-banking day (i.e. Saturday, Sunday or bank/public holiday) may not be reflected in the account until the following working day. There are different cut off times for different transactions. Please contact your branch for details. Our No Transaction Fee Offer is based upon the balance and other sources of balance information available such as ATM, online, phone, or branch printed statements.

Full details of our No Transaction Fees Offer and fee quarters are available in our Schedule of Fees and Charges for Personal Customers  (PDF)

No quarterly account transaction fees also apply to our Third Level Student, Graduate and Golden Years Current Accounts.

back to top

What Fees and Charges apply?

Full details of our personal current account fees and charges are contained in our brochure 'Schedule of Fees and Charges for Personal Customers' available from any branch.

Business Current Account
Automated Transaction Charges - debit or credit transactions on the current account
 24c each
Standing Order Set up €3.43 each
Standing Order amendment €1.33 each
Cancel a Direct Debit (Stop Payment Instruction) €5.08 each

Full details of our Business current account fees and charges are contained in our brochure 'Schedule of Fees and Charges for Business Customers' available from any branch.

Charges for International Money Transfers via 365 online

Bank of Ireland (InterPayplus) charges - applicable to all accounts
Transactions to EU Member States* with IBAN & BIC
No charge
All other euro payments (e.g. Euro to China) €12.00 each
Payments destined for countries outside EU Member States* (e.g. USD to the USA)

€5 each plus a foreign exchange margin

Payments destined for countries within EU Member States* (e.g. Sterling to the UK) No handling charge*** - A foreign exchange margin applies

*Plus Iceland, Liechtenstein and Norway, but not Switzerland.

***This is subject to change.

Foreign Bank Charges

  • International money transfers can also attract foreign bank charges. These charges are deducted from the amount received by the payee, by an intermediary bank and/or the payee's bank. The charges relate to their role in transmitting and processing the payment, and can vary. Some foreign banks' charges can be high with no maximum applying.
  • In the event that you provide incorrect information resulting in a query with the foreign bank, any charge applied by the foreign bank will be passed back to you.

Full details of our International transaction charges are contained in our brochure 'Schedule of International Transaction Charges' available from any branch.

back to top

Are there any concessions available on international money transfers?

Customers with a Golden Years or Third Level Student Current account will receive a concession on the Bank of Ireland charge for international money transfers.

back to top

What foreign exchange rates apply?

Foreign exchange rates are based on current market rates. They can differ with the various products. The variations take account of the domestic and foreign costs involved. You will be advised of these charges on the payment confirmation screen before you authorise the transactions with your 365 PIN. Also current rates for low value transactions are displayed on the branch notice board and quotations for larger value transactions are available on request.

back to top

Are there any other charges?

Unusual and Costly Transactions charges / Account Administration charges (€33 per hour) may be applied for non-routine requests involving significant workload. You will be notified of these charges in advance or at the time of request.

Out of pocket expenses may also apply, where relevant.

Call Charges

Calls to Bank of Ireland 365 phone made from within Ireland are charged at LoCall rates, except for mobile calls where the rate is decided by your mobile phone service provider. If you are calling from outside Ireland International call rates apply. If accessing the service online, the cost will be determined by your Internet service provider.

back to top

More
Enquiry Image

NI

Fees and Charges Northern Ireland

What fees and charges apply?

Personal Customers

Normal account transactions are free of charge Non-standard / unusual transactions may attract charges. The Current Account transaction fees and service charges outlined below apply to transactions and services provided via Bank of Ireland 365. Full details of our personal current account fees and charges are contained in our 'Personal Current Account Charges Explained' brochure. Details of Service Charges are contained in our 'Schedule of service charges' brochure. Both brochures are available from any branch or on www.bankofireland.co.uk

Personal Current Account        Northern Ireland                 
Automated Transaction Charges - debit or credit on the current account                    FREE
Standing Order Set up                    FREE
Standing Order amendment                    FREE

back to top

Business Customers

The Current Account transaction fees and service charges outlined below apply to transactions and services provided via Bank of Ireland 365. Full details of our business account fees and charges are contained in our 'Schedule of service charges - Business Customers' brochure available from any branch or on www.bankofireland.co.uk

Business Current Account        Northern Ireland                 
Automated Transaction Charges - debit or credit on the current account                    £0.43
Standing Order Set up                    FREE
Standing Order amendment                    FREE

Overdrafts & Interest - Personal & Business

Overdrawn balances, both authorised and unauthorised, will attract interest charges. Full details are contained in our 'Rates and Products guide brochure available from any branch.

back to top

More
Enquiry Image

GB

Fees and Charges Great Britain

What fees and charges apply?

Personal Accounts

The Current Account transaction fees and service charges outlined below apply to transactions and services provided via Bank of Ireland 365. Full details of our fees and charges are contained in our brochure 'Schedule of service charges', available from any branch or on www.bank-of-ireland.co.uk

Customers who keep a minimum of £250 in their account in any Charging month* qualify for free banking. When the account falls below the £250 minimum balance threshold for all or any part of a charging month* the following transaction charges apply.

Personal Current Account
Monthly Account maintenance charge £2.50
Automated Transaction Charges - debit transactions on the current account £0.39 per item
Automated Transaction Charges - credit transactions on the current account £0.39 per item
Standing Order Set up FREE
Standing Order (Amend/Cancel) £2.75 per item

back to top

Direct Personal Accounts

Freeway Current Account

When account exceeds £50 overdrawn in any charging month*, a monthly maintenance charge of £6 will apply for the whole or any part of the month during which the account is overdrawn

Standing Order Set up - Free

Standing Order charge Amend/Cancel of £2.75 per item

High Interest Cheque Account

First Debit transaction in any charging month free*, then 50p per transaction

Standing Order Set up - Free

Standing Order Amend/Cancel charge of £2.75 per item

*Charging Month - the 5th of one month to the 4th of the next.

back to top

Business Current Accounts

The Current Account transaction fees and service charges outlined below apply to transactions and services provided via Bank of Ireland 365. Full details of our fees and charges are contained in our brochure 'Schedule of service charges', available from any branch or on www.bank-of-ireland.co.uk

Business Current Account
Maintenance £5.50 per month
Automated Transaction Charges - debit transactions on the current account £0.45 per item
Automated Transaction Charges - credit transactions on the current account £0.26 per item
Outward Standing Order £0.55 per item
Standing Order Set up FREE
Standing Order (Amend/Cancel) £2.75 per item

Overdrafts & Interest - Personal & Business

Overdrawn balances, both authorised and unauthorised will attract interest charges. Full details are contained in our 'Personal Saving Rate' and 'Interest Rates for Business Customers' brochures available on www.bank-of-ireland.co.uk

back to top

More

Mortgage Repayment Calculator

Regulatory Notice

Bank of Ireland and Bank of Ireland Mortgage Bank, trading as Bank of Ireland Mortgages, are regulated by the Central Bank of Ireland. Bank of Ireland Mortgage Bank is a member of the Bank of Ireland Group.