Everything you need to know about setting up your finances in Ireland — from getting your PPS number to filing your first tax return.
10 guides in this topic
A comparison of traditional and digital bank accounts for new arrivals in Ireland — what's required to open each and which suits different needs.
5 min read
Step-by-step guide to filing a Form 12 tax return in Ireland via myAccount, claiming reliefs, and hitting the 31 October deadline.
7 min read
The Irish tax credits most newcomers overlook in 2025 — rent credit €1,000, tuition fees, health expenses, and remote work relief explained.
6 min read
How Ireland's Pay As You Earn (PAYE) system works, what deductions appear on your payslip, and how to make sure you're on the right tax rate.
6 min read
When you arrive in Ireland, sorting out your finances is one of the first priorities. The good news is that the process is fairly straightforward once you know the steps. This guide covers everything from your PPS number — which you'll need before almost anything else — to opening a bank account, understanding the Irish tax system, and applying for your tax credits.
Your Personal Public Service (PPS) number is a unique reference number that lets you access social welfare benefits, public services, and information in Ireland. You cannot legally work, access healthcare, or open many bank accounts without one. The good news is that it's free to get and the process is relatively quick.
To apply, you'll need to visit your local Intreo Centre or Social Welfare Office with proof of identity (passport), proof of address, and evidence of why you need the number (such as a job offer letter or employer letter).
Ireland's banking landscape can be challenging for new arrivals — traditional banks require proof of address and a PPS number, which creates a chicken-and-egg problem. The practical solution most newcomers use is to open a digital bank account first (Revolut, N26, or bunq all work well and don't require an Irish address), then switch to a traditional bank once you have your PPS number and a utility bill in your name.
The two largest banks for day-to-day banking are Bank of Ireland and AIB. Both have extensive branch and ATM networks across the country.
Ireland operates a Pay As You Earn (PAYE) system for employees, meaning your employer deducts tax at source before you receive your salary. Your main taxes are Income Tax, PRSI (Pay Related Social Insurance), and USC (Universal Social Charge). The combined rate you pay depends on your income level.
One important thing many new arrivals miss: you must register with Revenue and claim your tax credits. If you don't, you'll be taxed on the emergency basis — a much higher rate. Register at myAccount on revenue.ie as soon as you start work.
A comparison of traditional and digital bank accounts for new arrivals in Ireland — what's required to open each and which suits different needs.
Step-by-step guide to filing a Form 12 tax return in Ireland via myAccount, claiming reliefs, and hitting the 31 October deadline.
The Irish tax credits most newcomers overlook in 2025 — rent credit €1,000, tuition fees, health expenses, and remote work relief explained.
How Ireland's Pay As You Earn (PAYE) system works, what deductions appear on your payslip, and how to make sure you're on the right tax rate.
A PPS number is a unique personal identifier you need to work, pay tax, and access public services in Ireland. Apply in person at your local Intreo or Social Welfare office.
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.
The cheapest and easiest ways to send money home from Ireland — comparing banks, Wise, Revolut, and specialist transfer services.
A complete guide to Irish tax credits — from the personal credit to medical expenses, rent credit, and remote working relief.
Most employees in Ireland pay tax through PAYE (Pay As You Earn). Your employer deducts income tax, USC, and PRSI from your salary before you receive it.
A full breakdown of Irish payslip deductions — PAYE, PRSI Class A, and USC — with a real €50,000 salary example showing gross vs net pay.