Personal Banking
Banking that works as hard as you do
From everyday checking to long-term savings and home loans — we have the products to support every stage of your financial life.
Personal Accounts
Choose the account that fits your lifestyle
Everyday Checking
A flexible, fee-free checking account for daily spending, bill payments, and transfers.
- No monthly fees
- Free debit card
- Unlimited transactions
- Mobile & online banking
Premium Savings
Grow your money with a high-yield savings account and competitive interest rates.
- Up to 4.75% APY
- No minimum balance
- Automatic savings tools
- FDIC insured
Gold Reserve Account
Our flagship account for high-net-worth clients — premium rates, dedicated advisor, and exclusive perks.
- Priority service
- Dedicated relationship manager
- Premium interest rates
- Exclusive rewards
Loans & Credit
Flexible financing for life's big moments
Home Mortgage
Competitive fixed and variable rates with flexible terms from 10 to 30 years.
From 5.25% p.a.
Personal Loan
Unsecured personal loans for any purpose — from renovations to travel.
From 8.99% p.a.
Vehicle Finance
Finance your next car, motorcycle, or boat with tailored repayment plans.
From 7.50% p.a.
Education Loan
Invest in your future with low-interest education financing and deferred repayment.
From 6.25% p.a.
Cards
Spend smarter with our range of debit and credit cards
IRSB Gold Visa
Earn rewards on every purchase with no annual fee for the first year.
- 2x points on dining & travel
- No foreign transaction fees
- Contactless payments
- Travel insurance included
IRSB Platinum Mastercard
Our premium card with concierge service, airport lounge access, and elevated rewards.
- 3x points on all spend
- Airport lounge access
- Dedicated concierge
- Extended warranty protection
Ready to get started?
Open an account in minutes — no paperwork, no branch visit required.