Graduate Account

Are you a recent graduate? Get a graduate current account from us that offers the same good-value banking that you enjoyed as a student, as well as all the benefits of a normal current account that will take care of all your banking needs.


  • Arranged overdraft of up to £3,000, interest-free for two years with no set up or annual fee, if you meet our lending conditions. You will have to pay interest if you go overdrawn without our permission or if you go over your arranged overdraft limit
Years of full time 3rd level education (excluding post-graduation years) Interest free arranged overdraft limit
3 years £1,500
4 years £2,000
5 years £3,000
  • A debit card which you can use to withdraw cash and pay for goods or services within or outside the UK1, (subject to our lending conditions)
  • Commission-free foreign currency
  • Same current account number as your existing student account (if you have one)

Find out more about what is available with this account by clicking the links below:

For full details please see our Graduate current account brochure.


An overdraft allows you to borrow using your current account and is intended for short term borrowing. An arranged overdraft is an agreement allowing you to borrow money when you have no money left in your account.

If we allow you to borrow money when you have no money left in your account (or we allow you to go past your arranged overdraft limit) this will create an unarranged overdraft on your account which may give rise to higher interest or other charges. Alternatively, we may refuse to allow payments to be made from your account. Please see our unarranged overdraft section for full details.

Every time you apply for an overdraft, we will ask your permission to undertake a credit search. A record of the search will be kept by Credit Reference Agency (CRA). We will also share information about the running of the account such as limit and balances as well as payment performance and this could impact your ability to obtain credit elsewhere within a short period of time.

Before applying for an overdraft you can find out how likely you are to be approved by using our overdraft eligibility tool and you can use our overdraft cost calculator to work out how much overdraft interest you will pay.

For more information and how to apply go please go to our overdrafts section.

The Institute Loan for Trainee Solicitors

If you are a Bank of Ireland UK customer attending the Institute of Professional Legal Studies, you can borrow to pay for these fees plus have some extra for general expenses.

Please email for more information or to arrange an appointment to submit an application.

1 We do not charge for making a cash withdrawal in pounds in the UK from cash machines, however some providers may.  In such circumstances the machine will give you notice that you may be charged. Charges will apply when you make a cash withdrawal or a debit card payment in a foreign currency. Please see our Current account charges explained brochure for details.