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If you are on our Pay as you Go or Flat Fee fee options you qualify for free account transactions fees in a quarter if you either

• make at least 3 payments from your current account using Bank of Ireland 365 online and/ or phone or
• maintain a minimum balance of €500 on your personal current account for the entire fee quarter

Free account transaction fees are also part of our 3rd Level Student, Graduate and Golden Years Current Accounts.

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The Current Account transaction fees and service charges outlined below apply to transactions and services provided via Bank of Ireland 365. Full details of our fees and charges are contained in our brochure 'Schedule of fees and charges for personal customers', available from any branch or on www.bankofireland.ie and www.bankofireland.co.uk.

Personal New Current Account	Republic of Ireland
Option 1 - Pay as you Go*	28c per debit or credit transaction
Option 2 - Flat Fee*	€11.40 per quarter (up to 90 debit or credit transactions). Transactions in excess of 90 cost 28c each.
Other Personal Current Account
Automated Transaction Charges - debit or credit on the current account	24c each
Standing Order Set up	€3.43 each
Standing Order amendment	€1.33 each
Business Current Account
Automated Transaction Charges - debit or credit transactions on the current account	24c each
Standing Order Set up	€3.43 each
Standing Order amendment	€1.33 each
Business Electronic Current Account
Automated Transaction Charges - debit or credit transactions on the current account	24c each
Standing Order Set up	€3.43 each
Standing Order amendment	€1.33 each

* If you have more than 40 transactions per quarter, the quarterly fee of €11.40 is the better option for you. You can, however, switch between the two options at any stage by contacting the branch. The change will take effect from the beginning of the next fee-charging quarter.

International Money Transfer Charges (via Bank of Ireland 365) (Republic of Ireland only)

Bank of Ireland (InterPayplus) charges - applicable to all accounts
Transactions in euro to EU Member State with IBAN & BIC*	No charge
Other payments without FX conversion (e.g. Euro to USA)	€12 each
Transaction with FX conversion (e.g. US$ to US)	€5**

*Plus Iceland, Liechtenstein and Norway.
** For an initial period it is intended that we will not apply the €5 charge on transactions destined for countries within the EEA in their local currency (e.g. Sterling to UK,) however the relevant foreign exchange rate will apply. This position is subject to change.
You will be advised of the Bank of Ireland charge for your international money transfer on the payment confirmation screen before you authorise each transaction with your 365 PIN. This charge is in addition to the relevant current account transaction fee, if applicable.

Foreign Bank Charges (Republic of Ireland only)

• International money transfers can also attract foreign bank charges. These charges are deducted from the amount received by the beneficiary, by an intermediary bank and/or the beneficiary's bank. The charges relate to their role in transmitting and processing the payment, and can vary. Some foreign banks' charges can be high with no maximum applying.
• In the event that you provide incorrect information resulting in a query with the foreign bank, any charge applied by the foreign bank will be passed back to you.

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Customers with a Golden Years or 3rd Level Student Current account will receive a concession on the Bank of Ireland charge for international money transfers.

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Foreign exchange rates are based on current market rates. They can differ with the various products. The variations take account of the domestic and foreign costs involved. You will be advised of these charges on the payment confirmation screen before you authorise the transactions with your 365 PIN. Also current rates for low value transactions are displayed on the branch notice board and quotations for larger value transactions are available on request.

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Unusual and Costly Transactions charges / Account Administration charges (€33 per hour) may be applied for non-routine requests involving significant workload. You will be notified of these charges in advance or at the time of request.

Out of pocket expenses may also apply, where relevant.

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Personal Customers

Normal account transactions are free of charge Non-standard / unusual transactions may attract charges.
The Current Account transaction fees and service charges outlined below apply to transactions and services provided via Bank of Ireland 365. Full details of our personal current account fees and charges are contained in our 'Personal Current Account Charges Explained' brochure. Details of Service Charges are contained in our 'Schedule of service charges' brochure. Both brochures are available from any branch or on www.bankofireland.co.uk

Personal Current Account	Northern Ireland
Automated Transaction Charges - debit or credit on the current account	FREE
Standing Order Set up	FREE
Standing Order amendment	FREE

Business Customers

The Current Account transaction fees and service charges outlined below apply to transactions and services provided via Bank of Ireland 365. Full details of our business account fees and charges are contained in our 'Schedule of service charges - Business Customers' brochure available from any branch or on www.bankofireland.co.uk

Business Current Account	Northern Ireland
Automated Transaction Charges - debit or credit transactions on the current account	£0.43
Standing Order Set up	FREE
Standing Order amendment	FREE

Overdrafts & Interest - Personal & Business

Overdrawn balances, both authorised and unauthorised, will attract interest charges Full details are contained in our 'Rates and Products guide brochure available from any branch.

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What fees and charges do apply?

The Current Account transaction fees and service charges outlined below apply to transactions and services provided via Bank of Ireland 365. Full details of our fees and charges are contained in our brochure 'Schedule of service charges', available from any branch or on www.bank-of-ireland.co.uk

Customers who keep a minimum of £250 in their account in any Charging month* qualify for free banking. When the account falls below the £250 minimum balance threshold for all or any part of a charging month* the following transaction charges apply.

Personal Current Account
Monthly Account maintenance charge	£2.50
Automated Transaction Charges - debit transactions on the current account	£0.39 per item
Automated Transaction Charges - credit transactions on the current account	£0.39 per item
Standing Order Set up	FREE
Standing Order (Amend/Cancel)	£2.75 per item

Freeway Current Account

When account exceeds £50 overdrawn in any charging month*, a monthly maintenance charge of £6 will apply for the whole or any part of the month during which the account is overdrawn
Standing Order Set up - Free
Standing Order charge Amend/Cancel of £2.75 per item

High Interest Cheque Account

First Debit transaction in any charging month free*, then 50p per transaction
Standing Order Set up - Free
Standing Order Amend/Cancel charge of £2.75 per item

*Charging Month - the 5th of one month to the 4th of the next.

What fees and charges do apply?

The Current Account transaction fees and service charges outlined below apply to transactions and services provided via Bank of Ireland 365. Full details of our fees and charges are contained in our brochure 'Schedule of service charges', available from any branch or on www.bank-of-ireland.co.uk

Business Current Account
Maintenance	£5.50 per month
Automated Transaction Charges - debit transactions on the current account	£0.45 per item
Automated Transaction Charges - credit transactions on the current account	£0.26 per item
Outward Standing Order	£0.55 per item
Standing Order Set up	FREE
Standing Order (Amend/Cancel)	£2.75 per item

Overdrafts & Interest - Personal & Business

Overdrawn balances, both authorised and unauthorised will attract interest charges. Full details are contained in our 'Personal Saving Rate' and 'Interest Rates for Business Customers' brochures available on www.bank-of-ireland.co.uk

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