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.

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Bank accounts

Ranked 28^th of 30 providers reviewed.

Customer happiness score	50.85%
Customer trust score	39.83%
Complaints performance	74.41%
Transparency rating	71.6%
Fairer Finance score Reviewed Autumn 2023	59%

Mortgages

Ranked 20^th of 23 providers reviewed.

Customer happiness score	43.57%
Customer trust score	45%
Complaints performance	82.2%
Transparency rating	57.56%
Fairer Finance score Reviewed Autumn 2023	57%

Personal loans

Ranked 26^th of 27 providers reviewed.

Customer happiness score	39.62%
Customer trust score	36.79%
Complaints performance	74.46%
Transparency rating	70.23%
Fairer Finance score Reviewed Autumn 2023	55%

Savings Accounts

Ranked 48^th of 53 providers reviewed.

Customer happiness score	48.94%
Customer trust score	54.26%
Complaints performance	74.46%
Transparency rating	49.79%
Fairer Finance score Reviewed Autumn 2023	57%

Cash withdrawal fee in UK (own bank) i	£0.00
Annual fee i	£0.00
Part of FSCS i
Bankers draft/cheque fee i	Not available
Unpaid transaction fee 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

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

Risk based overdraft? i
Arranged overdraft interest free amount i	£0.00
Arranged overdraft interest rate (representative EAR) i	39.15%

Arranged overdraft limit i	£3,000.00
Tiered repayment of overdraft i
Switching / sign up incentive i

Representative APR i	25.7%
Annual fee in first year i	£25.00
Using card in Europe charge i	2.75%
Using card worldwide charge i	2.75%

Account Type i	Easy Access
Interest Rate (AER) i	1.7%
Minimum Opening Balance i	£1.00
Maximum Balance i	£0.00
Notice Period i
Fixed Term Length i
Minimum Age to Open Account i	0
Maximum Age i	0
Withdrawal Penalty i
Part of FSCS i
Sharia Account i
Additional Opening Criteria i
Additional Information 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

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 length	84 months

Interest Rate (AER) i	4.2%
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

Bank of Ireland (UK)

Bank accounts

Basic bank accounts

Current accounts

Foreign use bank accounts

Overdrafts

Student bank accounts

Business Credit Cards

Everyday Business Credit Cards

Foreign Use Business Credit Cards

Children's Accounts

Children's Savings Accounts

Personal loans

Savings Accounts

1 Year Fixed Rate Accounts

2 Year Fixed Rate Accounts

Easy Access Accounts

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