I have an account with BOI but I'm not too keen on their 365 savings option as I'm looking for the flexibility of being able to save x amount a month by just making a transfer from my online account. One option that seems to suit is the Permanent TSB regular saver account. Though I don't have an account with them but all I have to do is set one up and then set that new account up as a beneficiary on my 365 account? Will I incur fees making those transfers every month?