Second level current account
Be money smart. Open a Second Level current account and stash your pocket money or anything you earn from your part time job into it.
Why choose us for a personal current account?
Easy everyday banking:
For all your daily banking needs. Contactless payments, ATM withdrawals. We do not charge a fee to maintain the account. We will pay the Government Stamp Duty on your card.
Convenient in-app banking
Manage your account(s) on the go from your smartphone or tablet.
Spending insights
Our 365 Money Insights gives you a look at what you’re spending money on each month.
Useful features
Card controls let you freeze your card if lost or stolen, and Pay to Mobile makes it easy to split the bill with friends.
Protected and secure
24/7 fraud protection. Your money is safe under the Deposit Guarantee Scheme.
Advisor support
Talk to our team on webchat; over the phone; or in over 1,000 branches and An Post offices nationwide.
Please Note: Digital and phone banking options are available from age 14. Debit cards under age 14 require parent/legal guardian consent in branch.
What do I need to apply?
To be eligible to apply online, you must be aged 12 to 20, a resident in the Republic of Ireland, and attending full time second level education:
To apply, you’ll need:
- A valid photo identification: The documents we accept are your passport, drivers license card, or EU National ID card.
- Proof of address: The documents we accept can include a utility bill, a financial statement, or a letter from the Revenue Commissioners, an approved university, the CAO, the Department of Social Welfare, or the Naturalisation and Immigration Service.
- We’ll also ask you to take a selfie in the application form so make sure you’re camera ready.
Please note the following:
If you are aged under 18:
- If you are aged under 18, and you do not have a document with your name and address, you can use one from your parent or legal guardian if you live together and share the same address and last name. If the surnames do not match, we may require further documentation, such as your birth cert. We may ask for proof of address in your own name at a later date. You can also apply in branch using your birth certificate if you don’t have photo ID.
If you are aged under 16:
- If you are age 14 or 15: When you complete your application, you will receive an email. In the email, you will find a link to our upload hub. You can upload the following documents to complete the application:
- Your current Passport.
- A selfie of you holding your Passport.
- Your proof of address
- Digital and phone banking options are available from age 14. Debit cards under age 14 require parent/legal guardian consent in branch.
- Google Pay require you to be aged 16-18 and have your parent or legal guardian’s permission to accept their terms of service.
If you are age 12 or 13:
- To finish your application with us, your parent or legal guardian must bring your identification documents, and the reference number we give you, to one of our branches within 10 days. You can only use online and phone banking when you are 14 or older. If you want a debit card; your parent or legal guardian must fill out a form in branch to give us their consent.
Please note: If you’d prefer to apply in person, you can book an appointment with one of our helpful advisers in your local branch. You will need to bring valid photo identification and proof of address. Here’s a full list of acceptable documents.
Who are Bank of Ireland?
We are a full-service bank offering a wide range of services. We have many branches and ATMs across Ireland, making it easy for you to access your money and get support wherever you live. We also have convenient and comprehensive digital banking services on our 365 mobile app and website.
We work hard to prevent and protect against fraud. We use two-factor authentication for online banking, secure card payments with chip and PIN technology, and real-time alerts for suspicious transactions. If fraud happens, our dedicated fraud team is ready to help. They can quickly block compromised accounts, assist in recovering lost funds, and guide you on how to protect your account against future attempts.
Most of all, we’re passionate about your financial wellbeing. We know that managing money well is the key to personal and financial health. That’s why we offer a range of tools, resources, and programmes to help you make informed financial decisions and develop good financial habits. Opening a current account with us could be your first step towards a secure financial future.
Frequently asked questions
Help and support
If you need more help, you can contact us or visit the dedicated current accounts section on our Help Centre.
Fees
With our Second Level current account, there are no fees for maintaining the account.
- View our Fee Information Document for Second Level current account – this informs you about fees for the main services linked to this account. It also helps compare these fees with those of other accounts.
- View our Glossary of Terms – this tells you in plain English the terms we, and all EU financial service providers commonly use for payment services.
There may also be charges for things like Government Stamp Duty, and when you make international payments.
For details on the fees and charges on our Second Level current account, see our Schedule of Fees and Charges for Personal Customers brochure and our Schedule of International Transaction Charges brochure.
These brochures are also available in any Bank of Ireland branch.
Terms & Conditions
These are the Terms and Conditions that apply to the Second Level current account – download here:
