An overdraft facility fee of €25 applies on negotiation and annual renewal.
(Currently these charges do not apply to customers with the Student, Graduate or Golden Years Current Accounts).

Overlimit item charges are payable where an account exceeds, or further exceeds the agreed overdraft permission. They are also payable where an account goes overdrawn, or further overdrawn, where no agreed permission exists. More than one charge may be applied on the same day. For further details refer to our Schedule of fees and charges for Personal Customers brochure (PDF, 252KB), also available in your local branch.

In addition, an interest surcharge of 0.6% per month (7.2% per annum), subject to a minimum charge of €2.54 per month, will apply to the amount in excess in these circumstances. Surcharge interest is payable at the same time and in the same manner as the regular interest charge, currently quarterly.

If an account does not revert to credit for at least 30 days during the 12-month period commencing on the date of sanction or any subsequent 12-month period, an interest surcharge of 0.75% per annum will be charged retrospectively on the average full overdraft balance. It will be included in the amount applied at the following quarter's interest posting

Overlimit item charges and interest surcharges are in addition to the relevant Overdraft interest rate and apply to the statement (i.e. uncleared) balance.

Lending criteria terms and conditions apply. Applicants must be over the age of 18 years old.