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Basic Cash Account

Basic Cash Account is a straightforward easy to use account and is available to personal customers who are over 16 years of age.  You can arrange for your wages or benefits to be paid directly into your account.  You can also arrange to pay your regular bills by Direct Debit.  Operated by card only, Basic Cash Account is ideal if you are taking the 1st step into Banking or are only looking for a simple account

Call us on 0800 0850 444* or


Instant Cash with your Bank of Ireland UK cash Card:

Your Basic Cash Account Cash Card gives you immediate and easy access to your money 24 hours a day.  You can use your card at any of our cash machines all over Ireland and cash machines displaying the LINK symbol throughout the United Kingdom.  (Subject to availability of funds in your account)

On production of your Basic Cash Account Cash Card you can also access your money through Post Office branches throughout Northern Ireland and United Kingdom.  (Subject to availability of funds in your account and limited to one cash transaction per day in the Post Office)

Phone, Online and Mobile Banking:

Manage your account online, on the phone or on the mobile by using our 365 Phone, Online and Mobile Banking services.

Free quarterly Statements:

To keep you in touch with your account. Mini statements are also available from Bank of Ireland UK statement printers as and when you need them.

Free Banking:

Enjoy transaction fee free banking with our Basic Cash Account. Charges may be applied for the provision of additional services or requests.  Full details are provided in our Schedule of service charges for personal customers

Terms and Conditions

How Can I Open The Account?

To open your Basic Cash Account call to your nearest Bank Of Ireland UK branch.

We are required by law to formally check the identity and address of all our new customers. So bring two forms of identification, one from BOX A plus one from BOX B

  • Passport (Current valid signed passport)
  • EU National Identity Card (Photographic)
  • Current UK Photocard Full / Provisional Driving Licence (photocard part)
  • Current Full old-style UK Driving Licence (non photocard type driving licence)
  • Electoral ID Card(NI only)
  • Translink Smart & Senior Smart Pass for customers over 60 (NI only)
  • Current UK Photocard/ Provisional Driving Licence (photocard part) (when not used for A)
  • Current Full old-style UK Driving Licence (when not used for Box A)
  • Utility Bill (excluding Mobile Phone Bill) (dated within the last 6 months – original printed bill only, internet print off not acceptable)
  • Bank/Banking Society / Mortgage / Credit Union / Credit Card/ Post office account Statement dated within last 6 months (internet print off not acceptable)
  • Local Authority correspondence valid for the current year (rates/council tax dated within the last 13 months)
  • HM Revenues & Customs/ Revenue Commissioners correspondence (e.g. Tax Coding Notice dated within the last 13 months) Note:P60 and P45 are not acceptable
  • Solicitors letter confirming recent house purchase or land registry confirmation (in such cases the previous address will be verified) dated within the last 3 months
  • Correspondence from DWP/ Benefits Agency (dated within the last 13 months)

All documents produced by customer must be originals

If you have any further queries you can call our Customer Services Freephone* on 0800 0850 444

* May not include mobiles and calls from outside the UK. For your security and to improve our service to you, we may record and monitor phone calls for training purposes.