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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Gold ribbon: first place

Bank accounts

Ranked 2nd of 31 providers reviewed.

Customer happiness 78.05%
Customer trust 74.59%
Complaints performance 75.38%
Transparency rating 74.77%
Fairer Finance score
Reviewed Autumn 2021
76%

Mortgages

Ranked 20th of 21 providers reviewed.

Customer happiness 44.86%
Customer trust 34.86%
Complaints performance 87.18%
Transparency rating 51.55%
Fairer Finance score
Reviewed Autumn 2021
54%
Gold ribbon: first place

Personal loans

Ranked 1st of 23 providers reviewed.

Customer happiness 66.67%
Customer trust 66.67%
Complaints performance 75.37%
Transparency rating 69.08%
Fairer Finance score
Reviewed Autumn 2021
69%
Gold ribbon: first place

Savings accounts

Ranked 13th of 46 providers reviewed.

Customer happiness 60.78%
Customer trust 68.63%
Complaints performance 75.37%
Transparency rating 55.06%
Fairer Finance score
Reviewed Autumn 2021
65%

Bank accounts

Basic bank accounts

Bank of Ireland (UK)

Basic Cash Account

4 stars
Faster Payment limit i £20,000
Annual fee i £0
Maximum cash machine withdrawal per day i £500
Part of FSCS i

Current accounts

Bank of Ireland (UK)

Clear Account

3 stars
Annual fee i £0
Maximum cash machine withdrawal per day i £500
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0
Card payment fee (£) i £0
App capability? i

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

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

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

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 2.75%
Is there a limit on free cash withdrawals? i

Bank of Ireland (UK)

Clear Account (Inside Europe)

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i

Bank of Ireland (UK)

Graduate Account (Inside Europe)

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i

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
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i

Overdrafts

Bank of Ireland (UK)

Clear Account

3 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0
Arranged overdraft interest rate (representative EAR) i 29.10%

Student bank accounts

Bank of Ireland (UK)

3rd level student account

3 stars
Arranged overdraft limit i £3,000
Tiered repayment of overdraft i £1500 for 2 years
Switching / sign up incentive i

Bank of Ireland (UK)

Graduate Account

2 stars
Arranged overdraft limit i £3,000
Tiered repayment of overdraft i
Switching / sign up incentive i