Updated September 28, 2026 · SumCue Editorial Team
Bank of Ireland vs Kogan.com
Bank of Ireland
Higher score in this comparison
Kogan.com
Bank of Ireland vs Kogan.com: the differences
| Compare | Bank of IrelandReviewSee alternativesSee alternatives | Kogan.comReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | €30 | A$0 |
| APR | 22.1% | 21.99%Lower |
| Currency conversion fee | 2.25%Lower | 3.4% |
| Balance transfer intro period | 7 months | 18 monthsHigher |
| Rewards type | Not confirmed | Points |
| Rewards rate | Not confirmed | 2 Kogan points per $1 on Kogan.com purchases, 1 point per $1 elsewhere; 1,000 points = $10 |
| Balance transfer fee | Not confirmed | 2% |
| Credit needed | Not confirmed | Good |
| Perks | Not confirmed | Complimentary Kogan First membership, 4 free additional cardholders, 6.99% p.a. for up to 24 months on Kogan.com purchases of $50 or more paid by instalments, Apple Pay and Google Pay compatible, Zero Liability and FRAUDSHIELD fraud protection |
Same on both: Card kind (Credit).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Bank of Ireland scores higher overall: 9.2 vs 9.1.
- Founded is lower at Bank of Ireland: 1783 vs 2006.
- Kogan.com is available in 2 more countries.
- APR is lower at Kogan.com: 21.99% vs 22.1%.
- Currency conversion fee is lower at Bank of Ireland: 2.25% vs 3.4%.
- Balance transfer intro period is higher at Kogan.com: 18 months vs 7 months.
Our verdict on each
Bank of Ireland
Bank of Ireland suits residents of the Republic of Ireland who want savings, loans and a rewards card from a single long standing bank, with deposits covered by EU DGS up to EUR 100,000. The catch is holding the Classic credit card, at €30 a year and 22.1% APR.
Kogan.com
Kogan.com suits Australian households who want personal insurance and a rewards card handled in one place, and holding the card costs nothing. The catch is the interest rate: the Kogan Money card charges an APR of 21.99%, against a site median of 15.5% across cards.
Score breakdown
| Area | Bank of Ireland | Kogan.com |
|---|---|---|
| Cost | 8.5Personal loans carry 0 EUR - no arrangement fee as the arrangement fee, while the card costs €30 a year. | Not confirmed |
| Offer | 8.7The card lists rewards among its features, plus a 7 balance transfer offer, while SuperSaver pays 3%. | 9.6Higher |
| Trust | 10.0Higher | 8.8 |
Choosing between them
Pick Bank of Ireland if currency conversion fee matter most.
Pick Kogan.com if apr and balance transfer intro period matter most.
Where they rank in our lists
| Ranking | Bank of Ireland | Kogan.com |
|---|---|---|
| Credit and debit cards | 288 of 1594 | 410 of 1594 |
| Balance transfer cards | 9 of 32 | 14 of 32 |
Licences and countries
Additional countries for Bank of Ireland: 1. Additional countries for Kogan.com: 3.
Every fact side by side
| Fact | Bank of Ireland | Kogan.com |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Rewards |
| Legal entity | The Governor and Company of the Bank of Ireland | Kogan.com Ltd |
| Headquarters | Ireland | Australia |
| Founded | 1783Lower | 2006 |
| Support channels | Phone, Help centre | Not confirmed |
Loans
| Fact | Bank of Ireland | Kogan.com |
|---|---|---|
| Loan amount | €2,000 to €75,000 | Not confirmed |
| Term | 12 months | Not confirmed |
| Arrangement fee | 0 EUR - no arrangement fee | Not confirmed |
| Credit check | Hard | Not confirmed |
| Funding time | 24-48 hours after signed credit agreement | Not confirmed |
| Representative example | Personal loan of EUR20,000 over 5 years at 6.9% variable, 7.1% APR, monthly repayment EUR394.71, cost of credit EUR3,682.60 | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Lender type | Direct lender | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Eligibility | 18 years of age or over, resident in the Republic of Ireland, and an existing Bank of Ireland current account customer registered for 365 online to apply online | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Loan types | Personal, Car, Student | Not confirmed |
Savings
| Fact | Bank of Ireland | Kogan.com |
|---|---|---|
| Headline rate | 3% | Not confirmed |
| Minimum deposit | €5 | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Access terms | Save monthly by Direct Debit only, minimum €5, maximum €2,500; lump sum lodgements are not allowed; after 12 months the account defaults to the Standard Regular Saving variable rate (currently 2% AER) | Not confirmed |
| Account kind | Fixed | Not confirmed |
Mortgages
| Fact | Bank of Ireland | Kogan.com |
|---|---|---|
| Initial rate | 3.1% | Not confirmed |
| APRC | 3.8% | Not confirmed |
| Fixed period | 4 years | Not confirmed |
| Maximum loan to value | 90% | Not confirmed |
| Product fee | €150 to €250 | Not confirmed |
| Purpose | Purchase, Remortgage, First time buyer, Buy to let, Equity release | Not confirmed |
Where each stands against the rest
| Fact | Bank of Ireland | Kogan.com | Median |
|---|---|---|---|
| APR | 22.1%highest quarter | 21.99%highest quarter | 11.635% |
| Currency conversion fee | 2.25%above the median | 3.4%highest quarter | 1% |
| Balance transfer intro period | 7 monthslowest quarter | 18 monthsabove the median | 12 months |
| Balance transfer fee | Not confirmed | 2%below the median | 3% |
Median across 486 listed providers.
Pros and cons
Bank of Ireland
Pros
- Deposits sit under the EU deposit guarantee scheme, EU DGS up to EUR 100,000
- Personal loans fund 24-48 hours after signed credit agreement, with free early repayment
- The SuperSaver account pays 3% at a fixed rate with a minimum deposit of €5
Cons
- The Classic credit card charges €30 a year on 22.1% APR
- Currency conversion on the card costs 2.25%
- The SuperSaver account takes savings by Direct Debit only, and after 12 it reverts to the standard regular saving variable rate
Kogan.com
Pros
- The annual fee on the card is AUD 0 and the model is no annual fee.
- Cover spans auto, home and landlord, with Kogan.com acting as broker.
- Complimentary Kogan First membership, 4 free additional cardholders and 6.99% p.a. for up to 24 months on Kogan.com purchases of $50 or more paid by instalments adds complimentary Kogan First membership, free additional cardholders and a promotional instalment rate on Kogan.com purchases.
Cons
- The APR of 21.99% sits well above the site median of 15.5% across cards.
- Balance transfers cost 2% each, and the promotional window runs 18.
- Currency conversion on overseas spend is 3.4%, at the high end of the card range.
Who each suits
Bank of Ireland
Who it suits
- Residents of the Republic of Ireland who already hold a Bank of Ireland current account, since online applications need an existing account
- People who save a set amount each month by Direct Debit rather than in one go
- Borrowers who want a direct lender offering personal, car and student loans
Who should look elsewhere
- Card holders who want no annual fee, where bunq charges €0 a year
- People who need a secured card to start a credit file, where Varo Believe Secured Credit Card charges $0
- Card holders who want to avoid 2.25% on conversion, where Wise charges £0 a year
Kogan.com
Who it suits
- Anyone who wants auto, home and landlord arranged through one place rather than separate providers.
- People already shopping Kogan, since the points are weighted towards Kogan.com purchases.
- Card holders who clear the balance each month, as the annual fee is AUD 0 but the rate is 21.99%.
Who should look elsewhere
- Linxea, if you want life cover arranged on its own rather than through a broker.
- Oney Préstamos ES, if health, life and gadget cover, per health, life and gadget, matter more to you than auto and home.
- Euroasia Insurance, if you need only auto, home, travel and gadget policies, per auto, home and travel.
Country by country
| Country | Bank of Ireland | Kogan.com |
|---|---|---|
| Australia | No | Yes |
| Ireland | Yes | No |
| New Zealand | No | Yes |
| United States | No | Yes |
Questions about each
Bank of Ireland
What rate does the SuperSaver account pay?+
SuperSaver pays 3% at a fixed rate, held for 12 from the day you open it. The minimum deposit is €5, and the rate is fixed for the whole term. Once that term ends the balance moves to the standard regular saving variable rate.
How do I pay into the SuperSaver account?+
Savings go in by Direct Debit only, starting from €5. The account is set up for a habit of regular monthly saving, and it defaults to the standard regular saving rate once 12 has passed.
Kogan.com
Does the Kogan Money card have an annual fee?+
Nothing to pay for the card itself. The annual fee is AUD 0 and no annual fee is the model, so there is no yearly charge for holding it. What you do pay for is interest on a carried balance, plus any fee attached to a balance transfer.
What interest rate do I pay on the Kogan Money card?+
The APR is 21.99%, which sits above the site median of 15.5% across cards. That rate applies to anything carried from statement to statement, so the card only pays off if you clear the balance each month. The balance transfer offer runs for 18 at a fee of 2%.
Other options to compare
Other matchups
Bank of Ireland
Kogan.com