3rd Level Student

Our 3rd level student package is available to undergraduate students and is full of great products to help you get exactly what you want from life.

Whether it’s instant access to cash at home or something bigger that you want, we could help you get it now.



Free for day-to-day banking transactions1

  • As long as you are a full-time 3rd level education student, you pay absolutely nothing for your day-to-day banking transactions


Debit card

  • With a debit card, you can shop and pay for your purchases directly from your account, and it also saves you carrying cash around. It’s quick, easy and a better way to pay. Find out more
  • Charges will apply when you make a cash withdrawal or a debit card payment in a foreign currency. Please see our Student Account Charges Explained brochure for details


Interest while your account is in credit

  • To make sure that the money in your account is working for you we will pay interest on it when you’re in credit.
  • You can get up-to-date information on interest rates here


Text alerts

  • Text alerts help you stay in control of your money and help prevent fraud on your account. Find out more


365 Digital and Phone Banking

Remember, to be financially savvy the best thing you can do is to keep track of your spending. You can do this 24 hours a day, 365 days of the year with the Bank of Ireland Mobile Banking app, 365 Online and Phone. It’s so easy to apply. Register online now or get more information.


Interest-free and fee-free arranged overdrafts up to £3,000*

Just need a little something to tide you over?  Apply for an arranged overdraft on your 3rd level student account while you wait for your next student loan payment to come through and, if this is approved, you won’t have to pay interest and fees.

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. 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 carry out 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.


Student Medical and Dental Intercalated and Elective Borrowing

If you are Bank of Ireland UK customer studying Medicine or Dentistry, you can apply to borrow up to £15,000 to pay for your Elective in your fourth year of medical or dental studies. And, you can apply to borrow up to £5,000 if you’re studying an Intercalated degree. You can read some FAQs here.


Graduate Medical School Borrowing

If you are a Bank of Ireland UK customer attending the Ulster University Graduate Entry Medicine course or a Graduate entry student to the Queen’s University Belfast School of Medicine you could borrow* up to £25,000 from us to help pay for your course fees plus up to £500 per year towards living expenses.

For more information on how to apply please go to our “Apply now” page.

current account switch guarantee

1 Refers to money coming in to or out of the account for as long as the holder is a full-time student. No monthly transaction fees are applied by the bank for lodgements or withdrawals from the account. Charges may apply for extra services, for example bank drafts. Please see our Schedule of service charges for personal customers brochure for details. *Our lending conditions apply to overdraft facilities. Applicants must be over 18 years.