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Opening a bank account in Ireland

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What are the formalities to fill in to open a bank account in Ireland? Which bank to choose? Here is an overview of the Irish banking system. 

Upon arrival in Ireland as a foreign student or worker, you will probably need to open a bank account in the country. Indeed, you may have to pay for your local bills, for your rent or cash in your salary.

Proceedings

Irish banks need first to know who you are by checking both your identity and your residence status in the country. As a result, they will request many official papers like:

  • an attestation or a recommandation letter from your employer in Ireland;
  • your passport, or your national ID if you are a EEA-EU citizen;
  • your residence permit or visa;
  • your PPS number;
  • proof of residence in Ireland (your rent or lease agreement). 

Banks might also ask for some reference in your home country (a statement from your bank in your home country for instance). Upon presentation of the requested documents, you will be in a position to open a bank account operative within a few days.

Upon presentation of these documents, you should be able to open a bank account in Ireland within variables, but relatively short times.

Debit/credit card

According to your situation in Ireland, you may get a debit or a credit card. It's easier to get a debit card (called Laser Card) if you are already in employment in the country. However, it's more difficult to get a credit card since you don't have any credit record as a new immigrant. After a few months of residence, you may get a credit card if you receive fixed-incomes.

  Useful links:

Bank of Ireland www.bankofireland.ie
AIB www.aib.ie
Permanent TSB www.permanenttsb.ie
Citizen Information – Opening and switching a bank account in Ireland www.citizensinformation.ie

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