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Return to Bank of Ireland Group HomeRates And Fees

Current Account Rates

Current Account rates with effect from 7th November 2008

 NewPrevious
Gross / AER %Net %Gross / AER %Net %
Clear Account - Level 1
Interest Rate
£1+
Debit Interest Authorised *
Debit Interest Unauthorised **		N/A
7.00
19.00		N/A
N/A
N/A		N/A
8.50
20.50		N/A
N/A
N/A
Clear Account - Level 2
Interest Rate
£1+
Debit Interest Authorised *
Debit Interest Unauthorised **		N/A
11.00
23.00		N/A
N/A
N/A		N/A
12.50
24.50		N/A
N/A
N/A

Clear Account - Level 3
Interest Rate
£1+
Debit Interest Authorised *
Debit Interest Unauthorised **		0.10
17.75
29.75		0.08
N/A
N/A		0.10
19.25
31.25		0.08
N/A
N/A
Student Account
Interest Rate
£1+
Debit Interest Authorised *
Debit Interest Unauthorised **		0.50
0.00
12.00
0.40

 		0.50
0.00
12.00
0.40

 
Student Account (11-19)
Interest Rate
£1+
0.10		0.08
0.10

0.08

Essentials for Business- Small Business Package

Secured authorised overdraft/loan*

Secured Unauthorised overdraft**

Unsecured authorised overdraft/loan*

Unsecured Unauthorised overdraft**

 

5.00

17.00

7.00

19.00

 

 

6.50

18.50

8.50

20.50

 
Accounts No Longer Available
Traditional Current Account
Interest Rate
£1+
Debit Interest Authorised *
Debit Interest Unauthorised **

 

N/A
17.00
29.00

 

 

N/A
18.50
30.50

 

 

Interest Paying Current Account
Interest Rate
£1+
Debit Interest Authorised *
Debit Interest Unauthorised **




0.10
17.75
29.75



0.08




0.10
19.25
31.25



0.08


Money Mover
Interest Rate
£1+
0.10

0.08
0.10

0.08


Bank of Ireland Base Rate 3.00% effective from 7th November 2008.
* Debit Interest varies with Base Rate
** The unauthorised overdraft interest rate includes an additional 1% per month (min £3.50) surcharge.

Overdrafts are payable on demand.

Interest rates may vary from time to time. Interest will be paid Net of Lower Rate Tax (currently 20%) or, where Bank of Ireland receives the relevant registration documentation, gross.

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded each year. The Gross Interest Rate represents interest payable before the deduction of income tax at the prevailing rate.

Full account conditions and details of when interest is paid are available from any Bank of Ireland branch or by contacting our Customer Services Dept.
Freepost BEL 1732,
Belfast,
BT1 5BR
(Freephone: 0845 6016 157).

Bank of Ireland is covered by the Financial Ombudsman Scheme and subscribes to the Banking Code.



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© Bank of Ireland 2008
 

Bank of Ireland - incorporated in Ireland with limited liability. Authorised by the Irish Financial Regulator and authorised and subject to limited regulation by the Financial Services Authority. Details about the extent of our authorisation and regulation by the Financial Services Authority are available from us on request. Registered No. C-1. Head Office, Lower Baggot Street, Dublin 2, Ireland. VAT Registration No. 168196135.