Opening a Bank Account in Ireland
Summary
Opening a bank account in Ireland can be tricky for new arrivals due to proof of address requirements. Online banks like Revolut or N26 are often the easiest starting point.
Key things to know
- Traditional banks require proof of address — start with a digital bank (Revolut, N26) while you get settled.
- You need a PPS number to open a full current account with most Irish banks.
- AIB, Bank of Ireland, and PTSB are the main high-street banks.
- Credit unions are a community-focused alternative — often more flexible for new members.
- An Irish IBAN is often required by employers to pay your salary.
The Proof of Address Problem
Most traditional Irish banks require a recent utility bill or official correspondence as proof of address. When you have just arrived, you may not have any of these yet — this is a very common frustration for new arrivals.
The practical solution: Open a digital account first, then set up a traditional account once you have a settled address.
Digital Banks — Best Starting Point
Digital banks only require a passport photo and a selfie video — no proof of address needed.
- Revolut — Most widely used in Ireland. Lithuanian IBAN (LT...) accepted by most employers. Instant setup via app.
- N26 — German digital bank. Good for day-to-day spending.
- Bunq — Dutch digital bank, easy to set up.
Some Irish landlords and payroll systems require a traditional Irish IBAN (IE...). If yours does, prioritise opening a high-street account as soon as you have proof of address.
Traditional Irish Banks
- AIB (Allied Irish Banks) — Largest branch/ATM network. Good app. Requires PPS number and proof of address.
- Bank of Ireland (BOI) — Wide branch network. Same requirements.
- PTSB (Permanent TSB) — Smaller network but competitive for day-to-day banking.
For proof of address when you lack a utility bill, try: a letter from your employer on company letterhead confirming your address, a letter from your landlord, or a letter from a Government department confirming your PPS number.
Credit Unions
Credit unions are member-owned cooperatives with branches across Ireland. They are often more flexible than banks for new arrivals. Find your local credit union at creditunion.ie.
What You Need for a Traditional Account
- Passport or national ID
- PPS number
- Proof of address (utility bill, bank statement, or official letter — within the last 3 months)
Official Sources
Sources: citizensinformation.ie, ccpc.ie
This page provides general guidance only. Always verify specifics with official sources — gov.ie, citizensinformation.ie, hse.ie.