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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? 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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Products24/7Easy PlusPrestigeFresh
 
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Description24/7 gives you all your basic everyday banking services in one simple, streamlined package and is available online 24 hours a day, 7 days a weekEasy 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. 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.Aged 12 – 17? If so, we’ve developed a great new package just for you. It’s called Fresh and it gives you access to your account 24 hours a day, seven days a week.
Price€20 annually€75 annually€125 annuallyFree
Debit rate11%10.25%9.75%N/A
CreditNoYesYesNo
Credit rate0%0.75%1.00%0.50%
Overdraft limitN/A€25,000€50,000N/A
Overdraft rate11%10.25%9.75%N/A
Arrangement fee1% (up to max €35)NoNoN/A
Unauthorised overdraft rateOverdraft rate + 9%Overdraft rate + 9%Overdraft rate + 9%N/A
eBankingYesYesYesYes
Mobile BankingYesYesYesYes
Transfer to own accountYesYesYesYes
Transfer to accounts outside Danske bankYesYesYesYes
PaymentYesYesYesYes
Electronic mailboxYesYesYesYes
SMS servicesYesYesYesYes
Laser Maestro Debit Card StandardYesNoNoYes
Laser Maestro Debit Card PremiumNoYesYesNo
MasterCard StandardYesNoNoNo
MasterCard GoldYes (extra fee €50 pa)YesNoNo
MasterCard PlatinumNoNoYesNo
Visa CardStandaloneStandaloneStandaloneNo
Chequebook facility on accountNoYesYesNo
Manual/Paper Debit (i.e. cash withdrawals or cheques paid) €0.34FreeFreeFree
Manual/Paper Credit (i.e. cheques lodged / BGC) €0.30FreeFreeFree
Automated Transactions€0.25FreeFreeFree
Travel InsuranceYes (MasterCard Gold only)YesYesNo
Priority PassNoNoYesNo
AdvisorsNo personal advisorPersonal Financial AdvisorPersonal Financial AdvisorNo personal advisor
Paper based account statementAvailableAvailableAvailableAvailable
Home loan discountN/A0.20%*0.45%*N/A
 
 *Terms and Conditions apply, and also subject to salary or regular income mandated to the current account within the Package.

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Danske Bank A/S (trading as National Irish Bank and NIB) is authorised by The Danish FSA in Denmark and is regulated by the Central Bank of Ireland for conduct of business rules. Registered Branch in Ireland Number 905623. Registered Office: 3 Harbourmaster Place, I.F.S.C, Dublin 1. Registered office in Denmark: 2-12, Holmens Kanal, DK-1092, Copenhagen K, Denmark. Details of all Danske Bank A/S directors can be viewed at its registered offices. Danske Bank A/S Irish branch trades as National Irish Bank and NIB. Danske Bank A/S is a plc registered in Copenhagen, CVR-no. 61126228, at the Danish DCCA.

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