Graduate Documents These are the most up to date versions of these documents. Contract Documents Changes to our Terms and Conditions from 28 Apr 2026 Guide to personal banking (NI) Personal current account terms and conditions Personal current account charges explained Overdraft Documents Overdraft brochure UK Overdraft T&Cs – valid from 19th Jan 2023 (NI) Product Documents Graduate current account brochure Our Rates and Service Charges Rates and products guide Schedule of service charges for personal customers Privacy Notice BOI UK privacy notice Deposit Guarantee Scheme Deposit Guarantee Scheme Switching Current account switching brochure Other useful documents Smarter banking Using our bank services at Post Office