Fees & Charges

We offer two simple Fee Options on our Personal Current Account - and these account transaction fees are waived if you qualify for free day-to-day banking.

Option 1 - Pay as you Go

Pay 28c for every transaction into or out of your account (charged quarterly)

Option 2 - Flat Fee

€11.40 a quarter, for up to 90 transactions into or out of your account. Over 90 transactions cost 28c each.

If you have more than 40 transactions per quarter, Flat Fee becomes the better Option for you. You can, however, switch between the two options at any stage by contacting your branch. The change will take effect from the beginning of the next fee-charging quarter.

Free day-to-day banking transactions

As a Bank of Ireland Personal Current Account customer on Option 1 or 2 above you could automatically qualify for free day-to-day banking transactions, including:

  • Free withdrawals at ATM or in branch1
  • Free lodgements
  • Free standing orders and direct debits
  • Free Laser1 transactions and cashback
  • Free debit and credit transactions on your account, using 365 phone and online
  • Free cheques2

To automatically qualify for free transactions in a fee quarter3 you must:

  • Make at least three payments from your personal current account using Bank of Ireland 365 phone and/or 365 online4 during the fee quarter
    OR
  • Maintain a minimum credit balance3 of €500 in your personal current account for the full fee quarter.

Some additional charges may apply. See our brochure" Schedule of Fees and Charges for Personal Customers" (PDF, 252KB) for the full list of fees and charges, including government duty and interest surcharges, that may apply to your current account.

If you have any questions or would like more information, talk to us today.

  1. Including ATM (Cirrus) withdrawals and Maestro debit card payments in euro within the EU and Iceland, Liechtenstein and Norway. There is an additional charge for all other Cirrus/Maestro transactions. Government stamp duty applies to ATM/Laser cards.
  2. Government stamp duty applies on each cheque
  3. Account transaction fees are currently calculated quarterly, with each new fee quarter starting with 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. Transactions undertaken after 5pm on a working day, or at anytime during a non-working day (i.e. Saturdays, Sundays and Bank Holidays) may not be reflected in the account until the following working day. These dates and times may be subject to change. Other charges may apply.
  4. Payments made by standing order or direct debit do not qualify as 365 phone and 365 online debits for the purpose of this offer

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