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 6th of 28 providers reviewed.

Customer happiness 76.09%
Customer trust 72.36%
Complaints performance 71.02%
Transparency rating 71.84%
Fairer Finance score
Reviewed Spring 2022
73%

Mortgages

Ranked 18th of 21 providers reviewed.

Customer happiness 50%
Customer trust 47.62%
Complaints performance 85.4%
Transparency rating 52.28%
Fairer Finance score
Reviewed Spring 2022
59%
Gold ribbon: first place

Personal loans

Ranked 2nd of 25 providers reviewed.

Customer happiness 72.62%
Customer trust 71.43%
Complaints performance 71.02%
Transparency rating 68.56%
Fairer Finance score
Reviewed Spring 2022
71%

Savings accounts

Ranked 43rd of 49 providers reviewed.

Customer happiness 53.26%
Customer trust 55.43%
Complaints performance 71.02%
Transparency rating 49.2%
Fairer Finance score
Reviewed Spring 2022
57%

Bank accounts

Basic bank accounts

Bank of Ireland (UK)

Basic Cash Account

4 stars
Faster Payment limit i £20,000.00
Annual fee i £0.00
Maximum cash machine withdrawal per day i £500.00
Part of FSCS i

Current accounts

Bank of Ireland (UK)

Clear Account

3 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 2.75%
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 34.16%

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