How to Open a Bank Account in Ireland as a Non Resident

Was on a move to Ireland? Having a new bank account in Ireland can come to your mind and we have the answer to that with this short article.
Open bank account in Ireland

International visitors to Ireland are steadily increasing due to a blend of culture, friendly people, and a healthy economy. Irish cities are filled with pubs, beer, and live music, making the country a delightful, enjoyable location to call home. Unforgettable scenery, pastoral and dramatic at the same time, allows for a multitude of excellent weekend adventures.

Ireland's international and national cuisine scenes are attracting a lot of attention, and if you simply enjoy superb milk products, you'll be delighted with the abundance of butter and milk available, as Ireland produces some of the greatest dairy on the world.

Ireland's English may be the simplest for foreigners to grasp, and the country's culture, architecture, literature, and sense of humor make life interesting and enjoyable.

There are also worldwide firms with well-paying positions and fantastic universities, which is why young people looking for work, students, employees, and creatives consider Ireland as a viable option. You'll also need a bank account in Ireland if you move there. We've put together a quick and easy guide to show you how to do it.

Table of Contents

How to Open an Irish Bank Account as a Foreigner

Banking in Ireland

A current account, which is an ordinary account with a debit card attached, is the most prevalent bank account in Ireland. You might also open a savings account, which pays a greater rate of interest for long-term deposits.

You can choose from a variety of banks, including national banks, international banks, and internet banks. Only examine banks that are controlled by the Central Bank of Ireland, which is a member of the European System of Central Banks, when conducting your study.

Then do some research to locate the best bargain. Banks in Ireland frequently levy a maintenance fee, which may typically be avoided by setting up a regular monthly deposit or maintaining a minimum level in the account.

Because the minimum balance differs every bank, it's worth comparing. A tiny "government stamp duty," which costs €2.50 annually, is also charged on debit cards. Furthermore, many banks in Ireland impose fees for utilizing outside ATMs, so check to see if your bank offers handy ATM locations or free withdrawals from outside ATMs.

Can I open a bank account in Ireland as a non-resident?

Yes, you can open a bank account in Ireland even if you are not a resident. All you'll need is confirmation of residence in your home country, as well as a scan or original proof of identity.

As previously stated, several banks allow non-residents to open accounts without having to travel to Ireland. The main distinction is that some financial institutions will want two proofs of identity and/or residency rather than one.

What are the Requirements to Open an Irish Bank Account

If you are not currently resident in Ireland and wish to open an account from abroad, there are additional personal identification requirements, details of which are outlined below. 

  • Certified copy of Photographic I.D: Like a valid Passport, Driver’s License (Expiration date must be clearly visible), EU National Identity Card
  • Certified evidence of home address.
  • Correspondence from a Government Department / Body (must be issued to you at your home address within the past 6 months).

What is a certified copy?

A certified copy is a document that MUST be branded and signed as being a true copy by an acceptable certifier as detailed below:

  • Chartered or Certified Public Accountant
  • Solicitor/Lawyer
  • Government Department- Elected official at national or local level
  • Embassy/ Consular Staff member
  • Public Notary

The Best Banks in Ireland

These are some of the best banks for banking in Ireland for non Residents

  • Bank of Ireland: The Bank of Ireland is Ireland's oldest bank and has the country's most extensive ATM and branch network. From your mobile phone, you can make payments and access your current and savings accounts through their online banking platform.
  • Allied Irish Banks (AIB): With the debut of the AIB mobile banking app, Allied Irish Banks, one of Ireland's Big Four banks, has integrated online banking into its personal services. They provide a variety of accounts to choose from, each with its own set of features to suit your needs.
  • Permanent TSB: As Ulster Bank gradually closes its branches across the Republic of Ireland, competition is gaining ground. It's also worth investigating Permanent TSB.

How to open a bank account in Ireland: step by step

If you've lived in Ireland for a long time and have a passport from the EU or EEA, you might be eligible to open an Irish bank account online.

However, if you're a foreigner looking to create a bank account in Ireland, you'll most likely need to visit a branch to complete your application and produce your documentation.

The specific procedure varies each bank, however the core procedures are all the same:

Step 1: Determine which bank and account product is best for you.

Step 2: Go to the bank's website to schedule an appointment to open an account at a branch.

Step 3: Fill out the application forms that you have downloaded.

Step 4: Visit the branch to complete your application and provide identification and proof of address.

Step 5: Cover the account's minimal starting deposit with cash or a transfer.

Step 6: Within a few days, you'll receive your bank card and checkbook in the mail at your registered address.

Can I open a bank account online in Ireland?

Yes, some Irish banks will let you open a bank account online, but you'll have to go through a more thorough verification process. It's better to go to a branch and create an account in person if you're already in the nation.

You'll need to give proof of identity and proof of address, just like if you applied in person. You may be required to provide certified copies of all documents, as well as a selfie of you holding your passport, to authenticate these documents.

Opening a bank account with an online bank is a more convenient option. Because these banks are designed for this, the verification process is straightforward and does not involve a trip to the notary. If you need all of a bank's services, make sure the financial institution you choose is a regulated bank rather than an e-money institution.

How to Open a Bank Account Online in Ireland

The process of opening an Irish bank account online is similar to that of opening an account at a branch. Here's what you'll need to do to get an online bank account:

Step 1: Choose the best bank and account for your needs.

Step 2: Verify that you are qualified to open an online account.

Step 3: Gather the relevant paperwork, which may need to be certified or translated if you're applying as a non-resident.

Step 4: Complete your application on the bank's website or mobile app.

Step 5: Upload photos of the papers you'll need.

Step 6: Once your account is open, you'll receive an email with instructions on how to deposit funds.

Step 7: Within a few days, your bank card and checkbook will come in the mail.

Well, this is a quick way of creating your bank account online by not forcefully going to the bank branch immediately. Apart from that, you can still go to some other online banks like N26, Wise, and many others and create an online bank account. You can checkout the link below and learn how to create an online bank account easily.

MUST READ: How to Open an Online Bank Account Easily from Anywhere in the World.

Frequently Asked Questions on how to Create an Irish Bank Account

Q1. How do I open a bank account in Ireland from overseas?

Most high-street Irish banks (such as Bank of Ireland, AIB, and Permanent TSB) will allow you to apply for accounts online if you are a resident of Ireland. All you need is a valid form of identity and evidence of residency.

If you are not yet an Irish resident, you must visit a local branch in person. Some digital banks or bank-like services, such as Monese and Wise, will accept legitimate proof of identification instead of proof of residence.

Q2. Can I open a bank account in Ireland without proof of address?

Without proof of an Irish address, you can create a legal bank account in Ireland. You will, however, be required to present two types of evidence verifying your residence in your home country. A utility bill from within the last six months, a bank statement from within the last six months, or a letter or communication from a government entity are all acceptable forms of verification.

Ending Remarks on How to Create an Irish Bank Account as a Foreigner

It is possible to open a bank account in Ireland, but it is considerably easier if you are an Irish resident with a European passport.

It may be more difficult to register a standard account if you're new to the country. Non-resident accounts can typically be opened online also, but you'll almost always need to get your documents authenticated and give additional information and paperwork to get started.

And so, you will notice that you can open a bank account in Ireland both physically and online but the moist important thing is to get to the line by having all the necessary requirements to open your bank account.

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