I don't know the answer to (1) but most banks offer some sort of free banking - it's been a long time since I paid for banking and I'm far from over 60...
The over 65's are exempt from DIRT only if they earn under the relevant income limits. See Revenue for details.
National Irish bank offer free banking, but I'm annoyed to see that their "best" current account offers 2.75% interest but only to those under 27 years of age.
It's on the comparisons page. Check Descriptions -"Freedom is a customer package directed at 18 -27 year olds and consists of basic banking facilities and also includes some financial benefits."
It's on the comparisons page. Check Descriptions -"Freedom is a customer package directed at 18 -27 year olds and consists of basic banking facilities and also includes some financial benefits."
Actually I'm thinking of calling into the bank next week with a view to transferring my current account to the Freedom current account. Sure I'm 27 (and more) so I should be eligible.