Bank of Ireland UK is a bank that offers current accounts, savings accounts, loans and credit cards. Bank of Ireland UK is a great choice for people who want a simple, flexible, and hassle-free way to open an account in the UK, whether they are residents or not. Let me show you how to open a bank account with Bank of Ireland in the UK in six easy steps.
What you need
To open a bank account with Bank of Ireland in the UK, you must:
- be at least 18 years old.
- live in the UK or have a UK address.
- have a valid form of ID, such as a passport, driving licence, or national ID card.
- have proof of address, such as a utility bill, bank statement, or council tax bill.
If you don’t have these documents, don’t worry. You can still apply for an account and they will try to verify your identity and address electronically.
1. Choose your account type
The first step to opening a bank account with Bank of Ireland UK is to choose your account type. You can do this by going to the Bank of Ireland UK website or by calling our customer service. Choose between two types of accounts:
A current account that lets you manage your money online, by app or in branch. It has no monthly fee and comes with a contactless debit card. It also gives you access to overdrafts, savings accounts, mortgages and credit cards. You can choose from different Clear Account options depending on what you want. For example, you can choose the Clear Account which gives you free cash withdrawals in the UK and Ireland; or the Clear Account Plus which gives you free cash withdrawals worldwide and travel insurance.
A savings account that lets you save any amount at any time at a fixed or variable interest rate. It has no monthly fee and requires you to have a current account with Bank of Ireland. You can choose from different savings account options depending on what you need. For example, you can choose the Easy Access Savings account that gives you instant access to your money; or the Fixed Term Savings account that gives you a higher interest rate if you lock away your money for a fixed period.
You can compare the features and benefits of each account type on the Bank of Ireland website and pick the one that works best for you.
2. Apply for your account
You can apply online by filling out an application form on the Bank of Ireland website including:
- your personal details
- contact details
- income details
- account preferences.
You will also need to upload your ID document and proof of address. Make sure that your documents are valid, clear, and not damaged.
3. Receive your account confirmation
After applying for your account, you will receive an email or a letter confirming your account opening. It’ll include your sort code and account number and you can use these details to set up direct debits, standing orders, or transfers.
You will then receive your debit card and PIN by post within 7 working days. You will need to activate your card before using it by following the instructions on the letter.
4. Set up your online banking
Next, set up your online banking account using your account number, sort code, d.o.b and email and get the Bank of Ireland app and set your security preferences. You can then start using your account for your everyday banking needs.
Connect your new Bank of Ireland account to Emma and it will help you manage your finances more efficiently. With Emma, you can connect all of your accounts in one place, track and predict your spending and set budgets to help you save money. You can also categorise your expenses and analyse your bank accounts to cut your spending effortlessly. Emma boosts your savings with Pots to separate your money and achieve your savings goals. It’s a great way to stay on top of your finances and make sure you’re making the most of your money.