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 (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.

Bank of Ireland (UK)
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Bank accounts

Ranked 14th of 33 providers reviewed.

Customer happiness 57%
Customer trust 51%
Complaints performance 72%
Transparency rating 68%
Fairer Finance score
Reviewed Autumn 2020
62%

Mortgages

Ranked 21st of 21 providers reviewed.

Customer happiness 40.64%
Customer trust 39.76%
Complaints performance 80.35%
Transparency rating 49.83%
Fairer Finance score
Reviewed Autumn 2020
53%

Personal loans

Ranked 17th of 25 providers reviewed.

Customer happiness 48.66%
Customer trust 57.61%
Complaints performance 71.46%
Transparency rating 49.94%
Fairer Finance score
Reviewed Autumn 2020
57%

Savings accounts

Ranked 29th of 47 providers reviewed.

Customer happiness 51.6%
Customer trust 63.28%
Complaints performance 71.68%
Transparency rating 63.72%
Fairer Finance score
Reviewed Autumn 2020
63%

Bank accounts

Basic bank accounts

Bank of Ireland (UK)

Basic Cash Account

4 stars
Cost scenario i £42.66
Faster Payment limit i £20,000
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
Cost scenario i £42.66

Bank of Ireland (UK)

Graduate Account

3 stars
Arranged overdraft limit i £3,000
Tiered repayment of overdraft i
Switching / sign up incentive i
Cost scenario i £42.66