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Cost Comparisons

Student current account

This survey contains up-to-date information on the main student current accounts available from individual firms. See our children and student accounts section for more student account information. 

Most banks offer once off offers such as free mobile phones if you open an account with them. But don’t choose an account just for the freebies - no matter how good they are. It is important to get a good rate of interest and low fees and charges, so that you can make the most of your money over a few years.

Please read our disclaimer before you use our information.

Financial InstitutionProduct
(click on the links for further information)		Referral item fee / overlimit item chargesOverdraft facility fee (set up)Interest earned on credit balanceInterest charged on authorised overdraft (APR)
AIBStudent Plus AccountNilNil0.025% (E.A.R.)10% up to €1,500, 12.50% APR on approved overdraft limits above €1,500.
Bank of Ireland3rd Level Current Account2NilNilNil11.9%
National Irish BankFreedom AccountNilNil32.02%9.28%
Permanent TSBStudent Current Account4€4.44 (€8.88 for two or more items per day)NilNil13.60%
Ulster BankStudent Current Account5€4.44 per itemNilNil0%6
  1. Rates quoted are Equivalent Annual Rate (E.A.R.) and are subject to Deposit Interest Retention Tax (DIRT).
  2. This account is only available to full time 3rd Level Students.
  3. Arrangement fees apply on overdrafts over €5,000.
  4. PTSB - Student Current Account is available to students 18 years of age or over and in full time third level eduation (including full-time post graduate studies with a minimum duration of one year).
  5. Student Account is only available to full-time (minimum course length of 1 years) third level students resident in the Republic of Ireland. Over 18's only.
  6. Upfront interest free overdraft of up to €650 (APR 0%) on request on account opening. Student can apply for additional interest free overdrafts (APR 0%), guideline limits: Year 1 €1,750, Year 2 €1,950, Year 3 €2,250, Year 4 €2,500, Year 5 €2,800. Students can apply for overdrafts over these guideline limits. (Interest free overdraft is available subject to application and terms & conditions).

Please note: Use our jargon buster, if you need an explanation of financial terms in plain English.




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