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What are you looking for in a personal account? Access to eBanking – our award-winning online banking service? A credit card that’s welcomed around the world? No commission charges when you buy your foreign currency in one of our branches? Or maybe you’d like to be texted when your balance reaches a certain amount or when a deposit is made? At National Irish Bank, you’ll find our personal account packages offer something for everyone. To find out which account suits you best, just compare our personal packages below.
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ProductsPersonal AccessPrestigeEasy PlusFreedomEasy
 
DescriptionPersonal Access is a customer package consisting of products aimed at very basic banking needs without any credit (lending) facilities.Prestige is an exclusive day to day banking proposition offering all basic banking services and a wide range of financial and non financial benefits. The customer gets a dedicated person to assist them and the most exclusive credit card offering travel insurance and airport lounge access.Easy Plus is a customer package consisting of all basic banking services and a range of financial and non financial benefits as well as access to a large selection of the Bank’s services. Freedom is a customer package directed at 18 -27 year olds and consists of basic banking facilities and also includes some financial benefits. Easy is a customer package consisting of basic banking services, to help customers with simple day to day financial needs.
PriceFree€125 annually€75 annuallyFreeFree
Debit rateNot possible9.75%10.25%9.00%11.00%
CreditNoYesYesYesNo
Credit rate0%1.75%1.00%2.00%0%
Overdraft limitNot possible€50,000€25,000€5,000€10,000
Overdraft rateNot possible9.75%10.25%9.00%11.00%
Arrangement feeNot applicableNoNoNoNo
Unauthorised overdraft rateNot applicableOverdraft rate + 9%Overdraft rate + 9%Overdraft rate + 9%Overdraft rate + 9%
eBankingYesYesYesYesYes
Transfer to own accountYesYesYesYesYes
Transfer to accounts outside Danske bankYesYesYesYesYes
PaymentYesYesYesYesYes
Electronic mailboxYesYesYesYesYes
SMS servicesYesYesYesYesYes
Laser Maestro Debit Card StandardYesNoNoYesYes
Laser Maestro Debit Card PremiumNoYesYesNoNo
MasterCard StandardNoNoNoYesYes
MasterCard GoldNoNoYesNoNo
MasterCard PlatinumNoYesNoNoNo
Visa CardStandaloneStandaloneStandaloneStandaloneStandalone
Service at the till6 free withdrawals per quarter ; Lodgements freeWithdrawals free ; Lodgements FreeWithdrawals free ; Lodgements Free6 free withdrawals per quarter ; Lodgements free6 free withdrawals per quarter ; Lodgements free
Travel InsuranceNoYesYesNoNo
Priority PassNoYesNoNoNo
Currency exchangeFreeFreeFree
AdvisorsNo personal advisorPersonal Financial AdvisorPersonal Financial AdvisorNo personal advisorNo personal advisor
Paper based account statementAvailableAvailableAvailableAvailableAvailable

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