Life3 minute read
Student Bank Accounts in Ireland: What to Compare
Choosing a student account? Compare what you actually use, Budgeting, Personalized Cards, and everyday fees, with bunq Free.
bunq vs Bank of Ireland
Compare bunq and Bank of Ireland. Get up to 25 IBANs (Pro/Elite), 100% online banking, 24/7 SOS support, and savings up to 3.11%.
bunq vs Bank of Ireland
Compare bunq and Bank of Ireland. Get up to 25 IBANs (Pro/Elite), 100% online banking, 24/7 SOS support, and savings up to 3.11%.
bunq vs Bank of Ireland
Compare bunq and Bank of Ireland. Get up to 25 IBANs (Pro/Elite), 100% online banking, 24/7 SOS support, and savings up to 3.11%.
Compare personal banking features
Compare bunq and Bank of Ireland for everyday banking, including accounts, cards, savings, mobile features, travel use, and account flexibility.
| Feature | Bank of Ireland | |
|---|---|---|
| Pricing & plans | 4 plans from €0/month | 7 current account types, multiple savings plans |
| Fully digital bank | 100% online, no branch visits | Branch network |
| Irish IBAN | Up to 25 (Pro/Elite) | 1 IBAN |
| Payment accounts | Up to 25 (Pro/Elite) | 1 free account |
| Payment requests | €0.27 per request | €0.30 per request |
| Physical cards | Physical debit card included with paid plans | Debit card only |
| Digital cards | Digital cards you create in the app | Debit only |
| Apple / Google Pay | Yes | Yes |
| Savings accounts | Up to 3.11%* gross annual rate (Instant Access) | Up to 3.00% AER (SuperSaver / 2-year fixed) |
Compare personal banking features
Compare bunq and Bank of Ireland for everyday banking, including accounts, cards, savings, mobile features, travel use, and account flexibility.
| Feature | Bank of Ireland | |
|---|---|---|
| Pricing & plans | 4 plans from €0/month | 7 current account types, multiple savings plans |
| Fully digital bank | 100% online, no branch visits | Branch network |
| Irish IBAN | Up to 25 (Pro/Elite) | 1 IBAN |
| Payment accounts | Up to 25 (Pro/Elite) | 1 free account |
| Payment requests | €0.27 per request | €0.30 per request |
| Physical cards | Physical debit card included with paid plans | Debit card only |
| Digital cards | Digital cards you create in the app | Debit only |
| Apple / Google Pay | Yes | Yes |
| Savings accounts | Up to 3.11%* gross annual rate (Instant Access) | Up to 3.00% AER (SuperSaver / 2-year fixed) |
Compare personal banking features
Compare bunq and Bank of Ireland for everyday banking, including accounts, cards, savings, mobile features, travel use, and account flexibility.
| Feature | Bank of Ireland | |
|---|---|---|
| Pricing & plans | 4 plans from €0/month | 7 current account types, multiple savings plans |
| Fully digital bank | 100% online, no branch visits | Branch network |
| Irish IBAN | Up to 25 (Pro/Elite) | 1 IBAN |
| Payment accounts | Up to 25 (Pro/Elite) | 1 free account |
| Payment requests | €0.27 per request | €0.30 per request |
| Physical cards | Physical debit card included with paid plans | Debit card only |
| Digital cards | Digital cards you create in the app | Debit only |
| Apple / Google Pay | Yes | Yes |
| Savings accounts | Up to 3.11%* gross annual rate (Instant Access) | Up to 3.00% AER (SuperSaver / 2-year fixed) |
Disclaimer
Comparison based on publicly available information as of 20/01/2026. Features and pricing may change. Please check respective websites for the latest details. bunq’s savings rate is a gross annual rate on instant-access savings. Bank of Ireland’s figure is an AER, which includes the effect of compounding, for SuperSaver or a 2-year fixed term, so the two are not directly comparable.
*Up to 3.11% Bonus Interest on all your EUR savings until your first threshold calculation. After that, savings up to your threshold earn Base Interest (1.61% on the first €10,000, 1.51% above that), and savings above your threshold earn 3.11% Bonus Interest. bunq rates as of October 2026. Terms and conditions apply.
* bunq B.V. is a bank with a Dutch banking license and is supervised by Dutch Central Bank (DNB) and the Authority for the Financial Markets (AFM).
3.11% is the bonus gross annual rate. You earn it on all your EUR savings until your first threshold calculation. Your threshold is your highest savings balance over the previous 6 months, recalculated every January 1 and July 1. After that, the part of your savings up to your threshold earns the base rate: 1.61% on the first €10,000 of that part and 1.51% on the rest. The part above your threshold earns the 3.11% bonus rate. All rates are variable and can change. Find more information on help.bunq.com/en-nl/articles/whats-massinterest-and-how-does-it-work
Not investment advice.
T&Cs Apply.
Disclaimer
Comparison based on publicly available information as of 20/01/2026. Features and pricing may change. Please check respective websites for the latest details. bunq’s savings rate is a gross annual rate on instant-access savings. Bank of Ireland’s figure is an AER, which includes the effect of compounding, for SuperSaver or a 2-year fixed term, so the two are not directly comparable.
*Up to 3.11% Bonus Interest on all your EUR savings until your first threshold calculation. After that, savings up to your threshold earn Base Interest (1.61% on the first €10,000, 1.51% above that), and savings above your threshold earn 3.11% Bonus Interest. bunq rates as of October 2026. Terms and conditions apply.
* bunq B.V. is a bank with a Dutch banking license and is supervised by Dutch Central Bank (DNB) and the Authority for the Financial Markets (AFM).
3.11% is the bonus gross annual rate. You earn it on all your EUR savings until your first threshold calculation. Your threshold is your highest savings balance over the previous 6 months, recalculated every January 1 and July 1. After that, the part of your savings up to your threshold earns the base rate: 1.61% on the first €10,000 of that part and 1.51% on the rest. The part above your threshold earns the 3.11% bonus rate. All rates are variable and can change. Find more information on help.bunq.com/en-nl/articles/whats-massinterest-and-how-does-it-work
Not investment advice.
T&Cs Apply.
Disclaimer
Comparison based on publicly available information as of 20/01/2026. Features and pricing may change. Please check respective websites for the latest details. bunq’s savings rate is a gross annual rate on instant-access savings. Bank of Ireland’s figure is an AER, which includes the effect of compounding, for SuperSaver or a 2-year fixed term, so the two are not directly comparable.
*Up to 3.11% Bonus Interest on all your EUR savings until your first threshold calculation. After that, savings up to your threshold earn Base Interest (1.61% on the first €10,000, 1.51% above that), and savings above your threshold earn 3.11% Bonus Interest. bunq rates as of October 2026. Terms and conditions apply.
* bunq B.V. is a bank with a Dutch banking license and is supervised by Dutch Central Bank (DNB) and the Authority for the Financial Markets (AFM).
3.11% is the bonus gross annual rate. You earn it on all your EUR savings until your first threshold calculation. Your threshold is your highest savings balance over the previous 6 months, recalculated every January 1 and July 1. After that, the part of your savings up to your threshold earns the base rate: 1.61% on the first €10,000 of that part and 1.51% on the rest. The part above your threshold earns the 3.11% bonus rate. All rates are variable and can change. Find more information on help.bunq.com/en-nl/articles/whats-massinterest-and-how-does-it-work
Not investment advice.
T&Cs Apply.
Switching to bunq is Easy
Easily move your banking to bunq with our Switch Service. Request the Switch Service in the app, and we will make sure all payments and direct debits from your old accounts are redirected to your new bunq account.
Switching to bunq is Easy
Easily move your banking to bunq with our Switch Service. Request the Switch Service in the app, and we will make sure all payments and direct debits from your old accounts are redirected to your new bunq account.
Switching to bunq is Easy
Easily move your banking to bunq with our Switch Service. Request the Switch Service in the app, and we will make sure all payments and direct debits from your old accounts are redirected to your new bunq account.
Join 22 million people banking with bunq
Sign up in just 5 minutes
- 1.
Download the bunq app
Get the app for iOS or Android.
- 2.
Fill in your details
Fill in your name, address, email, and phone number.
- 3.
Verify your ID
Verify your ID with a quick video selfie and start banking right away.
Join 22 million people banking with bunq
Sign up in just 5 minutes
- 1.
Download the bunq app
Get the app for iOS or Android.
- 2.
Fill in your details
Fill in your name, address, email, and phone number.
- 3.
Verify your ID
Verify your ID with a quick video selfie and start banking right away.
Join 22 million people banking with bunq
Sign up in just 5 minutes
- 1.
Download the bunq app
Get the app for iOS or Android.
- 2.
Fill in your details
Fill in your name, address, email, and phone number.
- 3.
Verify your ID
Verify your ID with a quick video selfie and start banking right away.
Choose your personal plan
Start simple. Upgrade when you want more ways to save, spend, and travel.
Choose your personal plan
Start simple. Upgrade when you want more ways to save, spend, and travel.
Choose your personal plan
Start simple. Upgrade when you want more ways to save, spend, and travel.
Open your bank account in just 5 minutes
All you need to get started is your phone and ID.
Open your bank account in just 5 minutes
All you need to get started is your phone and ID.
Open your bank account in just 5 minutes
All you need to get started is your phone and ID.
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