Current bank accounts and charges in Ireland

IRELAND - CURRENT BANK ACCOUNTS

Moving to Ireland	Index Removals Regulations Citizenship PPS Number Work Permits Green Card Currency Rates Living in Ireland Irish Towns Shopping Online	Bank charges for current accounts were very common in Ireland - but 2005 saw many banks dropping most of their account charges. Also - see our page on Irish Savings Accounts. Ulster Bank , Bank Of Ireland , Permanent TSB and NIB all have current accounts with no charge. Some have "strings attcahed" - like Bank of Ireland need a minimum balance of 500 euro and 3 tranactions per month onlne or by telephone. Up until recently banks would charge a flat fee per quarter and transaction charges too - typically 20 to 30 cents a time. An average account could run up charges of between €60 and €120 a year. You were even charged when you use a cash machine. Banking is not completely free in Ireland - you still have to pay the 15 cent government tax on each cheque you write and a 3 euro stamp duty on credit cards and 20 euro on debit cards. Some banks now pay interest on current accounts. Halifax pay 10% on balances up to 2000 euro. See Money Guide Ireland for more about interest paying current accounts and other financial best buys. Debit Cards - in Ireland there are Laser cards - issued by all the major banks (there is an annual government tax of €20 for each card). Opening an Account: If you move to Ireland from overseas you will not get too far without an Irish bank account. Unless your employer pays you by cash- you will need a bank account within a month or two. Most banks will require proof of your address in Ireland - normally a utility bill. This could take upto 2 months to get - so be prepared for a delay. They will also require your passport and details of any previous bank accounts you have had. Internet banking is common in Ireland - with AIB , Ulster Bank , Permanent TSB and Bank of Ireland all providing internet banking facilities. Even if you are going to use online banking - try and open an account with a bank that has a local branch. As good as internet banking is - there will always be a need to make visits to the bank now and then to get cash or deposit cash. Tip - If you are not with a "fee free" bank - use cashback in shops on your Laser (debit) card - it will save you being charged at an ATM.
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