Key takeaway
A comparison of traditional and digital bank accounts for new arrivals in Ireland — what's required to open each and which suits different needs.
The challenge for new arrivals
Traditional Irish banks typically require proof of Irish address, a PPS number, and sometimes a minimum time in the country before they'll open an account. This creates a problem for people who've just arrived. The solution almost everyone uses is to start with a digital bank, then upgrade later.
Digital banks (best for day one)
Revolut is by far the most popular choice for new arrivals. You can open a full account in minutes using just your passport or ID card — no Irish address needed. It comes with a Mastercard debit card, free currency exchange at the interbank rate, and works with Apple Pay and Google Pay. The free tier is excellent for most people.
N26 is a German digital bank that operates in Ireland under a European banking licence. Similar to Revolut, it requires no physical branch visit. Accounts come with an IBAN that can receive salary payments.
Traditional banks (for once you're settled)
Bank of Ireland and AIB are the two largest retail banks. They have the most ATMs, and many employers prefer to pay salaries into Irish bank accounts. Both require in-person identity verification, proof of address, and a PPS number. Once you have these, an account can usually be opened within a few days.
An Post Money (operated through the Post Office network) is often overlooked but has relaxed ID requirements compared to the main banks — worth considering if you're struggling to open a traditional account.
What you'll need for a traditional bank account
- Valid passport or national ID card
- PPS number
- Proof of Irish address (utility bill or bank statement, dated within 3–6 months)
- Initial deposit (varies by bank, usually €0–€100)
Credit unions
Ireland has a strong credit union network. Local credit unions often have more flexible membership requirements than banks and can be a good option if you're finding it hard to open a traditional account. Search for your local credit union at creditunion.ie.
General guidance only. Always verify with official sources — gov.ie, citizensinformation.ie, hse.ie.