Bank of Ireland review
Updated October 13, 2026 · DebitCue Editorial Team
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Our verdict
Bank of Ireland is a financial products and services provider known for confidence building tools and scam awareness guidance. It suits customers seeking app based spending insights alongside mortgages, home and travel insurance and dedicated help for families and carers.
Key facts
- Best for
- Customers valuing guided digital banking and fraud awareness
- Currency conversion fee
- 2.25% (Source, checked September 26, 2026)
- Legal entity
- The Governor and Company of the Bank of Ireland (Source, checked September 26, 2026)
- Headquarters
- Ireland (Source, checked September 26, 2026)
- Founded
- 1783 (Source, checked September 26, 2026)
- Features
- Rewards
- Official website
- bankofireland.com
Credit cards
- Annual fee
- €30 (Source, checked September 26, 2026)
- APR
- 22.1% (Source, checked September 26, 2026)
- Currency conversion fee
- 2.25% (Source, checked September 26, 2026)
- Balance transfer intro period
- 7 months (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- The Governor and Company of the Bank of Ireland (Source, checked September 26, 2026)
- Headquarters
- Ireland (Source, checked September 26, 2026)
- Founded
- 1783 (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
Pros and cons
Pros
- Provides personalised spending insights that support everyday money awareness.
- Maintains a Security Zone explaining common scams and protective habits.
- Offers extra help for customers, families and carers needing assistance.
- Covers personal banking alongside services for small and large businesses.
Cons
- Visible offering centres on banking, mortgages and home and travel insurance.
- Digital approach centres guidance and insights inside the mobile app.
- Protection model depends on ongoing engagement with educational tools.
Who it suits
- Customers valuing app based spending insights
- People seeking scam awareness and protective guidance
- Families and carers seeking tailored extra help
Who should look elsewhere
- People preferring non digital money management
- People seeking a narrow single product specialist
How your money is protected
Bank of Ireland puts strong emphasis on helping you recognise scams and protect accounts and data. Its Security Zone explains common scams and shows how digital tools help you stay one step ahead of hackers. You learn how a passcode keeps accounts protected and how to send money with confidence. Personalised spending insights help you follow activity in the app. Extra help supports customers, families and carers who need tailored assistance. The approach links education, protective habits and informed decisions for everyday banking.
How Bank of Ireland compares
Frequently asked questions
What products does Bank of Ireland cover?+
Bank of Ireland provides financial products and services for everyday money goals. The range includes personal banking, mortgages and home and travel insurance. Business services for small, medium and large organisations complete the wide picture.
Who does Bank of Ireland serve?+
Bank of Ireland serves personal customers alongside small, medium and large businesses. It gives extra help for customers, families and carers who need tailored assistance. You can use its tools to build financial confidence.
How do its digital tools help with money management?+
Its app gives personalised spending insights that help you follow everyday activity. Planners and borrowing comparison and tax benefit finding tools help you make informed choices. You can use the results to shape plans with greater confidence.
How does Bank of Ireland help customers stay safe from scams?+
Bank of Ireland maintains a Security Zone focused on spotting common scams. It explains how passcodes protect accounts and how digital tools counter hackers. You are encouraged to send money with confidence and stay informed.
What currency conversion fee does Bank of Ireland charge?+
The currency conversion fee at Bank of Ireland is 2.25%. (Source, checked September 26, 2026)
Which company operates Bank of Ireland?+
Bank of Ireland is operated by The Governor and Company of the Bank of Ireland. (Source, checked September 26, 2026)
Where is Bank of Ireland based?+
Bank of Ireland is based in Ireland. (Source, checked September 26, 2026)
When was Bank of Ireland founded?+
Bank of Ireland was founded in 1783. (Source, checked September 26, 2026)
Sources
- en.wikipedia.org/wiki/Bank_of_Ireland checked September 26, 2026
Backs: Founded
“founded on 5 April 1783”
- find-and-update.company-information.service.gov.uk/compan... checked September 26, 2026
Backs: Legal entity
“The Governor and Company of the Bank of Ireland”
- personalbanking.bankofireland.com/about-bank-of-ireland/a... checked September 26, 2026
Backs: Headquarters
“Dublin”
- personalbanking.bankofireland.com/borrow/credit-cards checked September 26, 2026
Backs: Pricing model
“no annual fee”
- personalbanking.bankofireland.com/borrow/credit-cards/cla... checked September 26, 2026
Backs: Balance transfer intro period, Card kind, Features
“0% fixed interest on balance transfers for first 7 months”
- personalbanking.bankofireland.com/borrow/credit-cards/cla... checked September 26, 2026
Backs: Annual fee, APR, Currency conversion fee
“Government Stamp Duty – €30.00”
Compiled from 6 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Free ATM withdrawals, Card type, Protection.