Community Current Account

Running a charity, church or school involves more than managing finances. Our Community Current Account provides the everyday banking support you need, allowing you to focus on making a difference.

Features and benefits

50% discount on transaction fees

Our Community Current Account includes a 50% discount on transaction and account maintenance fees, helping you make the most of your funds and focus on supporting the people and communities you serve. Other fees and charges may apply. Please see our Schedule of charges for full details.

Access your money

Anywhere and anytime. Use our digital banking and 365 phone.

Business Visa debit card

Use your widely accepted Visa card to make payments: online, in store, over the phone or through Apple Pay and Google Pay.

Support for your business

Access support from our dedicated Business teams across Northern Ireland. Eligibility criteria may apply.

Free access to electronic banking channels

Manage your finances with our easy-to-use digital banking and 365 phone. 24 hours per day. 365 days a year. Transaction charges may apply.

Banking at Post Office

Manage your banking at our branches or your local Post Office. Some services may only be available in branches.

Is a Community Current Account right for my business?

This product may be right for you if:

You are a charity, church or a school
You want to manage your everyday finances like making and receiving payments
You are at least 18 years old
Your organisation is based in Northern Ireland

This product may not be right for you if:

You want to receive interest on your balance
You need an account for your personal finances
You will not be using the account for regular transactions
Your organisation is based outside Northern Ireland
You are not a charity, church or school
You are a Sole Trader

Account fees

A 50% discount applies to standard transaction and account maintenance fees on your Community Current Account.

Quarterly maintenance fee (after discount)	Fee discount %
£12.50	50%

The discount shown applies to both standard transaction and account maintenance fees.

A 50% discount applies to standard transaction and account maintenance fees on your Community Current Account. Fees are calculated quarterly and charged in March, June, September and December. We’ll give you at least 14 days’ notice before the fees are charged.

Other fees and charges may apply, for example, when using electronic banking, additional services or making foreign currency or international payments. Please see our Schedule of charges for business customers for full details.

How to apply

Step 1

Check your eligibility

Before applying, please review our eligibility criteria to ensure your organisation is eligible for a Community Current Account.

Step 2

Read the key information

Read the features and benefits and account fees carefully to help you decide whether the account could meet your organisation’s needs.

Step 3

Request an application pack

Complete our Business Account Request Form and provide some information about your organisation.

We’ll use this information to confirm your eligibility and help you to identify the most suitable account for your organisation.

For new customers, we’ll email an application pack together with details of any supporting information and documentation required. For existing customers, we will review the information we already hold and contact you to advise on the next steps.

Request an application pack

Step 4

Complete and return the application form, together with any supporting documents requested

If an application form is required, complete and return the application form together with any supporting documentation requested.

We’ll review the information provided and may contact you if we need any additional information.

Step 5

We’ll review your application

Once we receive your completed application and supporting documentation, we’ll carry out eligibility, identity and fraud prevention checks.

All applications are subject to approval. We’ll let you know the outcome once our review is complete.

Bank of Ireland UK have taken the time to understand what we do and why we do it. By working closely with us to make our financial ambitions a reality, they have enabled us to expand our vital support for children, young people, and adults living with learning, physical, or sensory disabilities, including Autism.

Martina Bell, founder, and Managing Director of Aspace2

Switch guarantee

Switching to us means moving your Business Current Account to us from another provider, this includes your Direct Debits, Standing Orders and incoming payments. It also means you don’t have to take care of the admin. The Current Account Switch Service is a simple, reliable and free way to switch your business current account to us. It is backed by the Current Account Switch Guarantee.

Useful links

FCA service quality metrics

Smarter everyday banking

Guide to banking for business customers (NI)

Guide to banking for business customers (GB)

Payment transaction history

Enquiring about a Term Loan

Locate your branch

Tax reporting, FATCA and CRS

Dealing with debt

Schedule of charges (NI)

Schedule of charges (GB)

Financial Wellbeing support centre

Business Current Account opening guide

Frequently asked questions

What is a Community Current Account?
A Community Current Account is designed to help you manage your everyday business finances. It is specifically available to churches, charities and schools. It is designed for day to day business use, rather than saving or long term investment. You can use it to:
- Receive payments
- Pay suppliers and employees
- Move money in and out of your account with ease
- Make purchases using your business debit card.

What is the difference between a Business Current Account and a Community Current Account?
Both accounts offer the same core banking features. The Community Current Account is available for churches, charities and schools and includes fee discounts.

Who can apply for a Community Current Account?
You may be eligible if:
- You are a church, charity or school
- You are aged 18 or over
- Your business is based in Northern Ireland.
You may need to meet more requirements depending on the account you apply for. You can find this out on our product pages.

What are the benefits of a Community Current Account?
- Our Community Current Account comes with a 50% discount on account maintenance and transaction fees
- Free access to B365 online banking, giving you a clear, real‑time view of your business finances. Transaction charges may still apply
- Free Business Visa debit cards to help you make secure, everyday purchases with ease.
Fees and charges apply and will vary depending on how you use the account.

What fees and charges apply for a Community Current Account?
You’ll receive a 50% discount on account maintenance and transaction fees.
Additional charges may apply depending on how you use your account. Full details can be found in our Schedule of Charges for Business Customers.

Can I switch my existing Business Current Account to Bank of Ireland UK?
Yes. We use the Current Account Switching Service (CASS) to make switching easy. Availability of the switching service depends on your circumstances. Find out more about the switching service.

Can I apply for a Community Current Account if I am an existing customer?
Yes, the Community Current Account is available to new and existing customers.