Bank of Ireland (UK)

Established in 2009 as a separate legal entity, Bank of Ireland (UK) is the UK subsidiary of Bank of Ireland, a leading retail bank in Ireland founded in 1783. 

Most of Bank of Ireland's business in the UK is done under the Post Office brand, for which it runs the financial services division. Bank of Ireland's credit card business was bought by Jaja Finance in 2020.

Bank of Ireland (UK) does offer a limited number of products direct to the UK market, however these are mainly found in Northern Ireland where Bank of Ireland has held branches since 1825. These products include bank accounts, savings accounts and mortgages. 

Bank of Ireland (UK)
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Bank accounts

Ranked 28th of 30 providers reviewed.

Customer happiness score 50.85%
Customer trust score 39.83%
Complaints performance 74.41%
Transparency rating 71.6%
Fairer Finance score
Reviewed Autumn 2023		 59%

Mortgages

Ranked 20th of 23 providers reviewed.

Customer happiness score 43.57%
Customer trust score 45%
Complaints performance 82.2%
Transparency rating 57.56%
Fairer Finance score
Reviewed Autumn 2023		 57%

Personal loans

Ranked 26th of 27 providers reviewed.

Customer happiness score 39.62%
Customer trust score 36.79%
Complaints performance 74.46%
Transparency rating 70.23%
Fairer Finance score
Reviewed Autumn 2023		 55%

Savings Accounts

Ranked 48th of 53 providers reviewed.

Customer happiness score 48.94%
Customer trust score 54.26%
Complaints performance 74.46%
Transparency rating 49.79%
Fairer Finance score
Reviewed Autumn 2023		 57%

Bank accounts

Basic bank accounts

Bank of Ireland (UK)

Basic Cash Account

4 stars
Cash withdrawal fee in UK (own bank) i £0.00
Annual fee i £0.00
Part of FSCS i
Unpaid transaction fee i
Bankers draft/cheque fee i Not available
Faster Payment limit i £20,000.00
Maximum cash machine withdrawal per day i £500.00
Can you use your card to pay for items overseas? i

Current accounts

Bank of Ireland (UK)

Clear Account

2 stars
Annual fee i £0.00
Maximum cash machine withdrawal per day i £500.00
Part of FSCS i
App capability? i
Cash withdrawal fee in UK (own bank) i £0.00
Card payment fee (£) i £0.00

Foreign use bank accounts

Bank of Ireland (UK)

Clear Account

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £1.50
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Bank of Ireland (UK)

Graduate Account

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £1.50
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Bank of Ireland (UK)

3rd level student account

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £1.50
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Bank of Ireland (UK)

Basic Cash Account

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £1.50
Foreign purchases fee i
Is there a limit on free cash withdrawals? i No free cash withdrawals

Bank of Ireland (UK)

Clear Account (Inside Europe)

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Bank of Ireland (UK)

Graduate Account (Inside Europe)

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Bank of Ireland (UK)

3rd level student account (Inside Europe)

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Overdrafts

Bank of Ireland (UK)

Clear Account

1 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 40.17%

Student bank accounts

Bank of Ireland (UK)

3rd level student account

4 stars
Arranged overdraft limit i £3,000.00
Tiered repayment of overdraft i
Switching / sign up incentive i

Bank of Ireland (UK)

Graduate Account

1 stars
Arranged overdraft limit i £3,000.00
Tiered repayment of overdraft i
Switching / sign up incentive i

Business Credit Cards

Everyday Business Credit Cards

Bank of Ireland (UK)

Commercial Credit Card

1 stars
Representative APR i 25.7%
Annual fee in first year i £25.00
Using card in Europe charge i 2.75%
Using card worldwide charge i 2.75%

Foreign Use Business Credit Cards

Bank of Ireland (UK)

Commercial Credit Card

3 stars
Annual fee in first year i £25.00
Using card in Europe charge i 2.75%
Using card worldwide charge i 2.75%
Representative APR i 25.7%
Rewards i

Children's Accounts

Children's Savings Accounts

Bank of Ireland (UK)

Classic Saver

Account Type i Easy Access
Interest Rate (AER) i 1.7%
Minimum Opening Balance i £1.00
Maximum Balance i Unlimited
Notice Period i
Fixed Term Length i
Minimum Age to Open Account i 0
Maximum Age i 0
Withdrawal Penalty i
Part of FSCS i
Sharia Account i
Additional Opening Criteria i
Additional Information i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i

Savings Accounts

1 Year Fixed Rate Accounts

Bank of Ireland (UK)

Limited Edition Fixed Term Deposit

Interest Rate (AER) i 4.2%
Minimum Opening Balance i £2,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be paid into a fixed term account with similar terms.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 0
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty i

2 Year Fixed Rate Accounts

Bank of Ireland (UK)

Limited Edition Fixed Term Deposit

Interest Rate (AER) i 4.2%
Minimum Opening Balance i £2,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be paid into a fixed term account with similar terms.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 0
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty i

Easy Access Accounts

Bank of Ireland (UK)

Classic Saver

Interest Rate (AER) i 1.7%
Balance Tiers i 1.70% from £1
Minimum Opening Balance i £1.00
Withdrawal Penalty i
Part of FSCS i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Additional Opening Criteria i
Maximum Balance i Unlimited
Minimum Age to Open Account i 0
Penalty free withdrawals? i
Sharia Account i
Additional Information i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i