Basic Current Account
Get all the benefits and rewards of a Current account with no monthly service charge. Free online and mobile banking inclusive. Basic Current account lets you choose how and when you want to bank.
€0
minimum deposit- No minimum deposit to open your account1
- No minimum balance required
- Free Online & Mobile Banking
- Free Online Statements
- Free Email Alerts
- Unlimited Cheque Writing
Features & Benefits (Free)
- Debit Card
- Text Alerts
- Arranged Overdrafts
- Cheque booklet
Features & Benefits (Charged)
Enhanced Current Account
Want a Current account that has everything you require for day to day banking? Enhanced Current account is for you, get rewarded on signup and extra cashback add-ons.
€2,500
minimum deposit- Interest bearing on minimum deposit balance2
- To avoid €5 monthly charge, maintain €2,000 balance
- Spend of at least €500 per month on your credit card3
- 5 or more debit card purchases or charge of €3
Service Charge Waivers
- Debit Card
- Free Online Banking
- Free Email Alerts
- Overdrafts upto €7,000
- Unlimited Cheque writing
Features & Benefits
Student Current Account
Are you heading off to college or starting your new job? Student Current account is ideal for you to manage your daily expenses. Student Current account is ideal for customers between the years of 16 - 24 years and has no minimum deposit, minimum balance or monthly charges.
€0
minimum deposit- Service charge waived for students within age range4
- Free automatically Basic Current conversion
- Service Charge waived for first 3 monthly after 25th birthday
Service Charge Waivers
- Free Debit Card
- Free Online Banking
- Free Overdrafts upto €2,000
- Cashback on your shopping
Features & Benefits
Foreign Currency Current Account
Want to bank in currencies of your choice, then our Foreign Currency Current account give you the freedom to make and receive foreign payments in more than 12 currencies (Euros, US dollars, Canadian dollars, and nine other currencies).
€3,500
minimum deposit- No Cheque writing or Cheque deposits at ATMs
- Fee-free transfers between your IberCaja accounts
- Fee-free Cash deposits and withdrawals
Service Charge Waivers
- Debit Card
- Free Online Banking
- Reduced exchange rate risk
- Free Online Statements
Features & Benefits
Notices & Disclosures
1 No minimum deposit required to open a Basic Current, however account must be funded within 15 days of opening.2 Interest bonus is a one-time credit to your account when you reach your savings goal which is equal to the total amount of interest you have earned over the life of your account. The bonus is paid the day your statement cycles when your account has been opened for at least 185 days and you have reached your savings goal. You may choose a savings goal amount ranging from €1,000 to €20,000.
3 €500 monthly credit card spend is calculated by looking at all your Credit Card accounts and adding the total amount spent on any personal credit card statement(s) issued within the last 30 days. Credit cards are subject to review and approval.
4 Discount will expire December 31st of the year the customer turns 23. If necessary, it can be extended for one year at a time upon verification of student status. Accounts opened by a minor (under age 18) require a parent or guardian to be a joint owner of the account. As a joint owner, the parent or guardian remains liable to IberCaja for any deficit or overdrafts on the account, regardless of whether the minor or parent/guardian caused the deficit/overdraft. This includes but is not limited to transactions using debit cards, ATM cards, cheques, Online banking, and over-the-counter withdrawals.
