Smarter Everyday Banking

Save time and money

In recent years, how we make payments has changed a lot. More and more of us are using electronic payments and banking online. What used to be something mainly tech-savvy start-ups did is now something lots of businesses do every day.

We want to make banking with us easy, fast, and affordable. Our goal is to help your business do well and grow. We’ll do this by making it easier for you to manage your money and keep it safe.

If you’re a business customer, our prices are set up to help you use fewer cheques and less cash. This means you can save time and money by banking online or through our automated services. These services are available 24/7.

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Five easy ways to reduce your everyday banking fees


1.Use online services to save you money

Access your account at anytime. Pay less fees. Save time and enjoy longer payment deadlines. To learn more talk to your business adviser or relationship manager.

2.BoI UK Payment Acceptance

Taking debit or credit card payments with BoI UK Payment Acceptance is a quick and simple way for your customers to pay you. It not only saves you time but also helps you save money with clear and easy-to-understand pricing. We can help you in setting up this payment method, whether you’re a solo entrepreneur, a small or medium-sized business, or always on the move. To learn more, visit or talk to your branch or account manager.

3.Card Payments

Use a debit or credit card to pay in person, over the phone, or online. Card payments give you more control over your spending and help you save on the costs of using cash or writing cheques. Talk to your branch or account manager for more information on our Visa Debit Card or Credit Card. Terms and conditions apply to our cards. The Commercial Credit Card is for business transactions only.

4.Stop writing cheques

Writing cheques is a slow and costly way to pay for things. You can save time and money by using direct debit, setting up a standing order, or transferring money online for free. Please review our schedule of fees and charges for full details.

5.Reduce the levels of cash you lodge

You’ll cut your costs if you use our online payment options, debit cards and contactless payments.

Smart ways to make daily savings


Smart ways to make daily savings graph

1st class postage cost as of Feb 2024 is £1.25