Open an Irish Bank Account
Open a current account with a local provider like AIB, BOI, or a digital alternative.
This guide is for planning and preparation. Details may change, so verify current requirements with the official sources before applying, paying fees, or submitting documents.
Review and freshness
This guide has a recorded editorial review date. Always verify final requirements, fees, forms, and appointment rules with official sources before applying.
Estimated timeline
1 to 5 working days
Estimated fees
Usually free
Who this is for
Residents and new arrivals in Ireland.
Location
Ireland
Eligibility
Residency
Usually requires a physical address in Ireland.
Required documents checklist
Tap each item as you gather it. This progress stays in your browser for the current page session.
Visual step flow
Scan the process before you start
Use this overview to understand the order, then track each item in the checklist below.
Choose a bank
Traditional banks (AIB, BOI) or digital-first (Revolut, N26) are common.
Visit branch/App
Many banks now allow you to open an account via their mobile app.
Verify identity
Complete the KYC process and wait for your card to arrive in the post.
Step-by-step instructions
Use this as a working checklist from preparation through submission.
Estimated fees
Quarterly fee
Varies by bank; some offer free student accounts.
Before submitting
Avoid rejected applications and wasted trips
Check these practical points before you pay fees, attend appointments, or hand over original documents.
Common mistakes
- Not having a 'hard' proof of address (utility bills are better than foreign bank statements).
- Ignoring the 'Government Stamp Duty' on debit cards (approx. €2.50 per year).
- Forgetting to ask for an IBAN for salary transfers.
FAQ
Is my money safe?
Yes, deposits up to €100,000 are protected by the Irish Deposit Guarantee Scheme.
Can I open an account before I arrive?
Digital banks like Revolut allow this, but traditional banks usually require local address proof.
What is an IBAN?
The International Bank Account Number used for all transfers within Europe.
Source and review
This guide has a recorded editorial review date. Requirements, fees, forms, and timelines can change. Use this guide as preparation support, then verify final details with the official source before submitting anything.