Current Account Providers in Ireland

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We compare current accounts from Ireland's top financial institutions

Bank of Ireland
permanent tsb
Ulster Bank

How do I open a current account?

To open a current account in Ireland you usually need to book an appointment with an advisor in a branch and then bring along a form of identification and proof of address. Some banks now allow you to open an account quickly and easily online. In this instance a second proof of address may be required.

How do I switch current account?

There are a few steps involved in switching bank account. Note that if you have an overdraft with your existing bank you’ll need to make sure that your new bank is happy to provide you with one too. Otherwise you’ll need to clear your current overdraft before switching.

  1. Choose a new provider. Contact your new bank to let them know you want to switch your current account to them. Your new bank will then supply you with a switching pack.
  2. Pick a switch date. You’ll need to agree a date with your new bank for the switching process to start – this is called the switch date. This date should be a time during the month when there’s the least activity on your account so that you don’t miss any direct debits or payments. You’ll need to provide proof of ID and proof of address to your new bank as well.
  3. Complete and return an account transfer form Your new bank will ask you to complete an account transfer form. They’ll then send this form to your old bank, which will supply details of your direct debits and standing orders to your new bank, to help make the switching process smoother. Any money in your old account will be transferred over to your new account for you. At this stage you’ll need to confirm with your current bank whether you want to fully close your account or still keep it open.
  4. Your new account will be up and running within 10 working days of the switch date you selected and your bank will send you out your new debit card.

What’s the best value current account?

The best value current account for you will depend on several factors such as how much money you’ll deposit into your account each month, how often you’ll use your account and whether you prefer to make payments in cash or by card. Whether you want access to features like an overdraft facility and mobile payments like Apple/Google Pay will also need to factored into your decision too. Use our handy current account comparison service to quickly compare the different account features and charges from all of Ireland’s banks.


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