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)
Visit provider's website

We don't get paid for any links on our site.

Bank accounts

Ranked 14th of 28 providers reviewed.

Customer happiness 60.78%
Customer trust 56.03%
Complaints performance 73.15%
Transparency rating 77.29%
Fairer Finance score
Reviewed Autumn 2022		 67%

Mortgages

Ranked 17th of 23 providers reviewed.

Customer happiness 51.21%
Customer trust 45.97%
Complaints performance 87.7%
Transparency rating 60.84%
Fairer Finance score
Reviewed Autumn 2022		 61%
Gold ribbon: first place

Personal loans

Ranked 4th of 26 providers reviewed.

Customer happiness 69.32%
Customer trust 64.77%
Complaints performance 73.15%
Transparency rating 71.56%
Fairer Finance score
Reviewed Autumn 2022		 70%

Savings Accounts

Ranked 37th of 50 providers reviewed.

Customer happiness 48.89%
Customer trust 63.33%
Complaints performance 73.15%
Transparency rating 56.22%
Fairer Finance score
Reviewed Autumn 2022		 60%

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
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
Cash withdrawal fee in UK (own bank) i £0.00
Card payment fee (£) i £0.00
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 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

2 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 37.81%

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

Personal loans

Bank of Ireland (UK)

Online Personal Loan

Representative APR (on £5,000 loan, 36 month term) Illustrative rates shown
Unpaid Repayment Fee i £12.00
Early settlement fee (Days interest) 58 days
Available to new customers? i
Eligibility checker
Minimum borrowing amount £1,000.00
Maximum borrowing amount £25,000.00
Minimum borrowing length 12 months
Maximum borrowing amount 84 months

Savings Accounts

1 Year Fixed Rate Accounts

Bank of Ireland (UK)

Limited Edition Fixed Term Deposit

Interest Rate (AER) i 1.5%
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 (days) i

2 Year Fixed Rate Accounts

Bank of Ireland (UK)

Limited Edition Fixed Term Deposit

Interest Rate (AER) i 1.63%
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 (days) i

Easy Access Accounts

Bank of Ireland (UK)

Classic Saver

Interest Rate (AER) i 0.75%
Maximum Balance i Unlimited
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i £1.00
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
Penalty free withdrawals? i