Current bank accounts and charges in Ireland

IRELAND - CURRENT BANK ACCOUNTS

Finances	Index Mortgages Money Guide Mortgage Brokers Budget 2010 Bank Accounts Mortgage Relief Savings Rates SSIA Credit Cards Fuel Prices Loans Life Insurance Pensions Solidarity Bond Online Poker Injury Claims	Bank charges for current accounts were very common in Ireland - but 2005 saw many banks dropping most of their account charges. Halifax used to offer free banking and interest on their current account - but Halifax are pulling out of Ireland in May 2010. 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.. Also - see here for the Best Irish Savings Accounts. Read about the Irish Deposit Guarantees here Banking is not completely free in Ireland - you still have to pay the 50 cent government tax on each cheque you write and a 30 euro a year stamp duty on credit cards and 5 euro a year on debit cards. Some banks now pay interest on current accounts - but now that Halifax has gone the rates are not great. The highest interest on a current account is 2% from PTSB - payable on the first €1500 and you have to lodge €1500 a month to qualify for that. See Money Guide Ireland for more about 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 €2.50 for each card or €5 for a combined Debit and cashpoint card). Ulster Bank recently started to issue Visa Debit cards (Sept 2009) - which can be used online wherever Visa Credit cards can be used. Halifax were the first to offer Visa Debit cards in Ireland - but they are not operating here anymore. 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 may be a need to make visits to the bank now and then to withdraw or deposit cash.
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