Opening a bank account in Ireland has traditionally required showing up in person with proof of address — a major challenge when you’ve just arrived. But several Irish banks now offer online account opening for people moving to Ireland, letting you get your banking sorted before you land.
Here’s how to open an Irish bank account remotely, what documents you’ll need, and what to expect once you arrive.
Which Irish Banks Accept Online Applications from Abroad
Not all Irish banks allow remote account opening, but several do:
- Revolut — Not a traditional bank, but offers an Irish IBAN and can be opened entirely online from anywhere. Great as a starter account or backup, though some employers and landlords prefer a traditional bank.
- N26 — Similar to Revolut, European digital bank with Irish IBAN. Fully remote setup, no Irish address required initially.
- Bank of Ireland — Offers online applications for some account types. You may need to verify your identity in-branch after arrival, but the application can start remotely.
- AIB (Allied Irish Banks) — Accepts online applications for current accounts. You’ll typically need an Irish address to complete the process, but can start before you move.
- Permanent TSB (PTSB) — Allows account opening online, though final verification often requires a branch visit.
Digital-only banks like Revolut and N26 are the easiest to open before arrival, but opening a traditional account with Bank of Ireland or AIB can be helpful for longer-term needs like mortgages or larger loans down the line.
What Documents You’ll Need
Most Irish banks require the same core documents, whether you apply online or in person:
- Proof of identity — Valid passport or national ID card (passport is most widely accepted).
- Proof of address — This is the tricky part. Some banks accept a foreign address initially, then ask you to update it once you move. Others require an Irish address upfront (a rental contract, utility bill, or letter from your employer on company letterhead confirming your address works).
- PPS number — Many banks request this, though some digital banks don’t require it immediately. You can add it later once you receive it in Ireland.
- Proof of employment or income — A job offer letter, employment contract, or recent payslips. Not always mandatory for basic accounts, but helpful.
If you’re applying before you have an Irish address, use your foreign address to open a digital account, then switch to a traditional Irish bank once you have a rental contract or utility bill.
How the Online Application Process Works
The process varies by bank, but generally follows these steps:
Digital banks (Revolut, N26):
- Download the app and sign up with your email.
- Upload a photo of your passport and a selfie for identity verification.
- Provide your current address (can be outside Ireland).
- Account approved within minutes to a few days. You’ll receive a virtual card immediately and a physical card by mail.
- Irish IBAN issued automatically — ready to receive salary payments.
Traditional banks (AIB, Bank of Ireland, PTSB):
- Start the application on the bank’s website.
- Upload identity documents and proof of address (Irish address usually required).
- Some banks require a video call or in-branch visit to verify your identity.
- Account approval can take 5–10 business days.
- Debit card mailed to your Irish address; you may need to activate it in person or via app.
Expect some back-and-forth, especially with traditional banks. Keep copies of all documents handy and respond quickly to requests.
What to Do Once You Arrive in Ireland
Even if you open an account remotely, there are a few steps to complete after you move:
- Update your address — Provide proof of your Irish address (utility bill, rental agreement) to keep your account compliant.
- Add your PPS number — This ensures your employer can pay you correctly and that you’re taxed properly. Most banks let you update this online or in-branch.
- Activate additional services — Set up direct debits for rent and utilities, apply for overdrafts or credit cards if needed, and connect your account to payroll.
- Visit a branch if required — Some banks ask new customers to verify their identity in person. Bring your passport, proof of address, and PPS number letter.
If you opened a digital account before moving, consider opening a traditional bank account once you’re settled. Many people keep both: a digital bank for daily spending and international transfers, and a traditional account for salary, rent, and long-term financial products.
Costs and Fees to Expect
Irish bank accounts generally charge monthly maintenance fees unless you meet certain conditions:
- Digital banks — Revolut and N26 offer free basic accounts with optional paid plans (around $8–16/month) for extra features.
- Traditional banks — Monthly fees range from $5–8, often waived if you maintain a minimum balance (typically around $3,200) or have your salary paid into the account.
- Transaction fees — Some banks charge per transaction (around $0.25–0.50 per ATM withdrawal or card payment), though many now offer fee-free banking for students or under-30s.
Check the fee schedule before choosing a bank. If you’re earning an Irish salary and paying rent by direct debit, fees are often waived.
Tips for a Smooth Process
- Start early — Apply 4–6 weeks before you move if possible, especially with traditional banks.
- Have your job offer letter ready — It speeds up the process and shows you’re relocating legitimately.
- Use a digital bank as a backup — Even if you plan to open a traditional account, having Revolut or N26 gives you an Irish IBAN immediately for things like setting up utilities or receiving your first paycheck.
- Keep your foreign account open temporarily — Useful for transferring money and covering initial expenses until your Irish account is fully active.
Opening a bank account before you arrive takes one big task off your plate and means you can hit the ground running when you land.
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