How can I reduce my fees and charges?

There are many ways you can reduce your fees and charges. Some saving tips are outlined below.


  • Register for 365 online. The service is free and most transactions only cost 10 cent.
  • Register for Mobile Banking. The service is also free and enables you to perform transactions and view balances wherever you are.
  • Use your Visa Debit card. Each point of sale transaction only costs 10 cent, while contactless payments are 1 cent.
  • Keep a minimum cleared balance of €3,000 per day to avoid transaction fees (a fee of €5 for maintaining the account will still apply).
  • See how you can save by using our useful fee calculator here.
  • Save on fees by using 365 online to access eStatements free of charge instead of paying €3.80 for the first page and €2.50 for each additional page for duplicate paper statements.


  • Use cheques. These can cost up to €1.30 per transaction including stamp duty and handling charges.
  • Make manual cash payments to your account. These cost €0.60 per transaction.
  • Unauthorised Overdraft. You will incur a fee for referral items, and/or surcharge interest if you exceed the authorised overdraft limit on your account and it has an unauthorised overdraft.
Last updated: November 01, 2018

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