Personal current account

Whatever your day-to-day banking needs, we’ve got it covered, from just €6 per month.

Why choose us for a current account?

Easy everyday banking 1

Includes taps, payments & transfers, contactless payments & ATM withdrawals.

Convenient Mobile Banking App

Manage your account(s) while on the go.

Quick and easy payments

Transfer up to €20,000 a day.

Card controls

Freeze your card if lost or stolen, order a replacement card, view your PIN.

Money Insights 365

Handy monthly spending insights which can help you manage your money better and improve your financial wellbeing.

Split the bill

Having dinner with friends? Pay for everyone and then split the bill after with Pay to Mobile.

Mobile payment services

Add your debit card to your digital wallet, connect with Apple Pay and Google Pay.

Protected & Secure

24/7 fraud protection and your money is safe under the Deposit Guarantee Scheme.

Advisor Support

Our team are available in over 1,000 BOI branches & An Post offices 5 days a week; over the phone, or on webchat 6 days a week.

Sustainable Future

We’re helping to shape a sustainable future for banking in Ireland, with our bio-sourced Visa debit card.

5 easy steps to open your account:

Step 1: Choose your device (mobile or computer) & get your details ready

Find out more about acceptable documents here.

Remember:

Step 2: Apply online

Step 3: Review your documents and wait for your BIC and IBAN

Step 4: Activate online banking

Step 5: Activate your card

Apply in Branch

Prefer to apply in person with one of our staff? No problem. One of our helpful advisers can assist you in your local branch with the application process. You will need to bring along your photo ID & valid proof of address for this also. Click here for a list of acceptable documents.

Compare All Current Accounts

Find the right account for your day to day banking needs.

Help & Advice

Need further assistance? Please contact us or visit the dedicated Current Accounts Section of our Help Centre.

Some additional Fees and Charges may apply, for example -Government Stamp Duty, international and interbank transactions.

For details of the fees and charges that apply to our Personal Current Account, see our brochures below, also available in any Bank of Ireland branch.


These are the Terms and Conditions that apply to the Personal Current Account – download here:
Personal Current Account Terms and Conditions effective from 08 February 2024 View Print

Contact us

Our teams are here to help.

Log in to 365 online, select Services and Send us a message.

Tweet us @talktoBOI 8am–8pm. Response within 15 minutes.

Visit your nearest branch to arrange a meeting with a dedicated lending advisor.

1 Terms and conditions apply. Send via 365 online and phone. Government Stamp Duty applies to debit cards & cheques.

Bank of Ireland Group plc is a public limited company incorporated in Ireland, with its registered office at 2 College Green, Dublin, D02 VR66 and registered number 593672. Bank of Ireland Group plc, whose shares are listed on the main markets of the Irish Stock Exchange plc and the London Stock Exchange plc, is the holding company of Bank of Ireland.

Bank of Ireland is regulated by the Central Bank of Ireland. In the UK, Bank of Ireland is regulated by the Central Bank of Ireland and authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.