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 5th of 34 providers reviewed.

Customer happiness 72.14%
Customer trust 69%
Complaints performance 75.87%
Transparency rating 70.8%
Fairer Finance score
Reviewed Spring 2021
72%

Mortgages

Ranked 15th of 21 providers reviewed.

Customer happiness 46.37%
Customer trust 47.22%
Complaints performance 87.18%
Transparency rating 54.06%
Fairer Finance score
Reviewed Spring 2021
59%
Gold ribbon: first place

Personal loans

Ranked 3rd of 25 providers reviewed.

Customer happiness 68.48%
Customer trust 70.81%
Complaints performance 75.73%
Transparency rating 56.73%
Fairer Finance score
Reviewed Spring 2021
68%
Gold ribbon: first place

Savings accounts

Ranked 5th of 50 providers reviewed.

Customer happiness 70.67%
Customer trust 80.72%
Complaints performance 75.84%
Transparency rating 65.48%
Fairer Finance score
Reviewed Spring 2021
73%

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