1. Terms and conditions apply to the use of 365 online services. To make a payment to your credit card online you must have a Bank of Ireland current account or demand deposit account and have registered for 365 online.

2. Free day-to-day banking transactions refer to quarterly account transaction fees payable by personal current account customers. Terms and conditions apply. Other charges may apply, including Government Stamp Duty on ATM/Laser cards and cheques. Full details of fees and charges are available in our "Schedule of Fees and Charges for Personal Customers" available at www.bankofireland.com or in any branch. 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. Payments made by standing order or direct debit do not qualify as 365 phone or 365 online debit payments for the purpose of free day-to-day banking transactions.