Elective and Intercalated Documents These are the most up to date versions of these documents. Contract Documents Guide to personal banking (NI) Personal current account terms and conditions Personal current account charges explained Overdraft brochure UK Overdraft T&Cs – valid from 19th Jan 2023 (NI) Our Rates and Service Charges Rates and Products Guide Schedule of service charges for personal customers Changes to to our charges from 6 October 2025 Privacy Notice BOI UK privacy notice Deposit Guarantee Scheme Deposit Guarantee Scheme - Information Sheet Other useful documents Smarter banking Using our bank services at Post Office