Your application

Before continuing with your application, please read the following information.

Your Personal Information

We, Bank of Ireland (UK) plc (Bank of Ireland), take your privacy seriously and we want you to be clear about how we use your personal information.

Please read our Privacy Notice which explains, for example:

  • The types of personal information we collect
  • How we use your personal information
  • Who we share your personal information with
  • Your personal information rights

In order to process your application we will supply your personal information to credit reference agencies (CRAs) and they will give us information about you, such as about your financial history (where applicable). We do this to check your identity and prevent criminal activity. Also, if necessary, to assess creditworthiness and product suitability, manage your account and trace and recover debts. If you take banking services from us we may also make periodic searches at CRAs to manage your account with us. If you take a credit product with us, we will continue to exchange information about you with CRAs on an ongoing basis, including about your settled accounts and any debts not fully repaid on time. CRAs will share your information with other organisations. Your data will also be linked to the data of your spouse, any joint applicants or other financial associates. The identities of the CRAs, and the ways in which they use and share personal information, are explained in more detail in our Privacy Notice.

The personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found in our Privacy Notice.

By clicking on the Next button you are confirming that you have read and understood the information provided above.

Before applying please make sure you read our Overdraft brochure. Also, before applying you can find out if you are likely to be approved by using our overdraft eligibility checker and you can use our overdraft cost calculator to work out how much overdraft interest you will be charged.