The terms for the supersaver indicate you can have 2 accounts. Is there a catch as in total in both combined can't exceed 30k to get the 3%?
A warning... yes, there is a catch.
Having submitted the online form for a second account, I heard nothing for 7 days - no email, no SMS, nothing. I contacted 365online via the "messages" feature and was told my application was rejected, and then providing me with the link to the online application form and a phone number for the deposit team (which is invalid - no such number).
I phoned BOI 365 and after several transfers I spoke to someone who checked and said it wasn't rejected, but instead was on hold because they wanted to be sure I actually wanted a second account. Note: at this point nobody had contacted me to tell me this. They also stated it was not true that it had been rejected. They said they would note that I did want one, and would speak to the deposits team to ensure it gets opened etc.
I received a call a while later telling me that I'm not allowed two, because the second has to be a joint account, and that their T&Cs state this. I asked for the section and was told it's this:
(from section 1, item 1.3):
You can hold up to two SuperSaver Accounts with us.
A SuperSaver Account will count as one of the two SuperSaver Accounts that you can have if it is held: (a) by you alone; (b) by you and another person or people.
I said that this item doesn't to me indicate that I can't have two accounts unless the second is a joint account. I asked that a complaint be registered, and was then phoned back to be told that they would raise the issue, but that I would receive no further contact as it's a complaint regarding the T&Cs. I asked them to raise the complaint also on the basis that I'm a customer who asked that they open a second account, and they refused, citing T&Cs which don't make it clear that this is the case.
Perhaps I misread the T&Cs, but to me they don't state this at all..
form.bankofireland.com