Banking

Ireland — Banking: Online Banks

Irish banks, including online ones, must verify identity under anti-money-laundering law and usually need one photo ID plus a separate proof of address under six months old.

VerifiedGovernment / official sourceCitizens Information / CCPC — opening a bank account in IrelandLast reviewed: 2026-10-23

Key facts

  • Banks need at least one photo ID (passport, driving licence or Irish residence permit) and a separate proof of address such as a utility bill, insurance policy or Revenue statement; one document cannot serve as both.
  • Proof of address must be under six months old (twelve for an insurance policy); some banks accept a foreign utility bill certified by a solicitor or police officer.
  • A basic payment account is available only if you hold no other bank account in Ireland or another EU country.
  • Some banks offer non-resident accounts; book an appointment and bring as many ID and address documents as possible.

Steps

  1. Opening an online bank account — Visit the website of a bank that operates in Ireland and offers online banking. You will typically need to provide identification and proof of address. The exact process may vary between banks.

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