What area of Dublin?
From what I hear, the level of service in BOI branches can vary considerably.
My wife had an account in 1 BOI branch (our local one) and our joint account was in another (in city centre). Needed a car loan a few years ago. Went into both branches to see what they could offer. There was a 4% (yes you have read this correctly) difference between the loan rates being offered in each for the same person, same details etc.. Reason she tried 2 was that the first quote came from the city centre branch. She then saw a car she liked locally and wanted to buy quickly, so decided to walk into the local branch for convenience to get the loan assuming they would quote an identical rate to the city centre. After receiving the local rate she asked them why it was so much higher than their colleagues in the city centre. The rather un-customer friendly manager told her she must be mistaken and was rather cross at her suggestion that other branches were lower. So naturally, she went into city centre and got the loan there. Shortly afterwards, when in the local branch lodging some money, the manager recognised her and had the cheek to ask if she still wanted the car loan and was very indignant when told that another branch got the business.
As for the rates, the local branch rate was the advertised rate in their adverts - wouldnt come down. The city centre branch, like most banks, seemed willing to negotiate lower than advertised due to having a lot of competition from other banks in close proximity.