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 20th of 32 providers reviewed.

Customer happiness 58%
Customer trust 54%
Complaints performance 66%
Transparency rating 51%
Fairer Finance score
Reviewed Spring 2020
57%

Credit cards

Ranked 20th of 32 providers reviewed.

Customer happiness 51%
Customer trust 56%
Complaints performance 66%
Transparency rating 38%
Fairer Finance score
Reviewed Spring 2020
53%

Mortgages

Ranked 21st of 22 providers reviewed.

Customer happiness 39%
Customer trust 45%
Complaints performance 79%
Transparency rating 44%
Fairer Finance score
Reviewed Spring 2020
52%
Gold ribbon: first place

Personal loans

Ranked 14th of 31 providers reviewed.

Customer happiness 60%
Customer trust 67.82%
Complaints performance 65.92%
Transparency rating 41.8%
Fairer Finance score
Reviewed Spring 2020
59%

Bank accounts

Basic bank accounts

Bank of Ireland (UK)

Basic Cash Account

4 stars
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
Faster Payment limit i £20,000
Overdraft scenario 3 large amount (maximum EAR) i £5.38
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 (Inside Europe)

3 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)

3 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)

3 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)

Clear Account

2 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

2 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

2 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

2 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

Overdrafts

Bank of Ireland (UK)

Clear Account

4 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0
Arranged overdraft interest rate (representative EAR) i 15.05%

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

Credit cards

0% balance transfer credit cards

Bank of Ireland (UK)

MasterCard Matched

4 stars
Duration of balance transfer offer period i 24 months
Balance transfer fee during promotional period i 2.49%
Representative APR i 19.90%
Risk based? i
Balance transfer rate during promotional period i 0%
Representative balance transfer rate i 1.53%

Bank of Ireland (UK)

Ulster Rugby Mastercard

3 stars
Duration of balance transfer offer period i 6 months
Balance transfer fee during promotional period i 2.98%
Representative APR i 17.90%
Risk based? i
Balance transfer rate during promotional period i 0%
Representative balance transfer rate i 1.39%

Bank of Ireland (UK)

Queen's Affinity Card

3 stars
Duration of balance transfer offer period i 9 months
Balance transfer fee during promotional period i 2.98%
Representative APR i 17.90%
Risk based? i
Balance transfer rate during promotional period i 0%
Representative balance transfer rate i 1.39%

0% purchase credit cards

Bank of Ireland (UK)

MasterCard Matched

5 stars
Duration of purchases offer period i 24 months
Representative APR i 19.90%
Highest APR i 19.90%
Risk based? i
Purchase rate during promotional period i 0%
Representative purchase rate i 1.53%
Number of days before interest is charged on purchases i 56 days

Bank of Ireland (UK)

Ulster Rugby Mastercard

3 stars
Duration of purchases offer period i 6 months
Representative APR i 17.90%
Highest APR i 17.90%
Risk based? i
Purchase rate during promotional period i 0%
Representative purchase rate i 1.39%
Number of days before interest is charged on purchases i 56 days

Bank of Ireland (UK)

Queen's Affinity Card

3 stars
Duration of purchases offer period i 3 months
Representative APR i 17.90%
Highest APR i 17.90%
Risk based? i
Purchase rate during promotional period i 0%
Representative purchase rate i 1.39%
Number of days before interest is charged on purchases i 56 days
3 stars
Duration of purchases offer period i 3 months
Representative APR i 17.90%
Highest APR i 17.90%
Risk based? i
Purchase rate during promotional period i 0%
Representative purchase rate i 1.39%
Number of days before interest is charged on purchases i 56 days

Foreign use credit cards

Bank of Ireland (UK)

MasterCard Matched

1 stars
Representative APR i 19.90%
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 2.99%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.53%

Bank of Ireland (UK)

Ulster Rugby Mastercard

1 stars
Representative APR i 17.90%
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 2.50%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.39%

Bank of Ireland (UK)

Queen's Affinity Card

1 stars
Representative APR i 17.90%
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 2.50%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.39%
1 stars
Representative APR i 17.90%
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.39%

Low rate credit cards

4 stars
Representative APR i 17.90%
Representative cash transaction interest rate i 1.87%
Representative purchase rate i 1.39%
Risk based? i
Representative balance transfer rate i
Representative money transfer rate i