Compare the best current accounts in Ireland

Compare current accounts in Ireland, and discover benefits, costs and how to pick the best current account for your banking needs.

17 results.
N26 Standard
Personal
Account type
Criteria
Aged 18 and over
No branch access
ATM withdrawals
Charges apply
€0.00
Monthly account fee
ATM withdrawal charges: You can withdraw cash for free 3 times per month at any NFC-enabled ATM with the contactless symbol. A charge of €2 applies to each withdrawal beyond this limit.
Standard
Personal
Account type
Criteria
Aged 18 and over
No branch access
ATM withdrawals
Charges apply
€0.00
Monthly account fee
ATM withdrawal charges: Free withdrawals up to 5 ATM Withdrawals or €200 per rolling month (whichever comes first), then a fee applies. A 2% or €1 fair usage fee applies thereafter.
AIB Personal Current Account
Personal
Account type
Criteria
Aged 16 and over
Branch access
More than 170 branches across Ireland
ATM withdrawals
Charges apply
€4.50
Quarterly account fee
ATM withdrawal charges: €0.35 per ATM withdrawal
An Post Money Current Account for 16-22 years
Personal
Account type
Criteria
16-22 years
Branch access
900 post offices nationwide
ATM withdrawals
Charges apply
€2.00
Monthly account fee
ATM withdrawal charges: €0.60 per ATM withdrawal
Easy Bank
Personal
Account type
No branch access
ATM withdrawals
Charges apply
€3.99
Monthly account fee
ATM withdrawal charges: First 5 ATM withdrawals cost €0.99 each. ATM withdrawals cost €2.99 each thereafter.
Plus
Personal
Account type
Criteria
Aged 18 and over
No branch access
ATM withdrawals
Charges apply
€3.99
Monthly account fee
ATM withdrawal charges: €200 per month fee-free ATM withdrawal limit. A 2% or €1 fair usage fee applies thereafter.
N26 Smart
Personal
Account type
Criteria
Aged 18 and over
No branch access
ATM withdrawals
Charges apply
€4.90
Monthly account fee
ATM withdrawal charges: You can withdraw cash for free 5 times per month at any NFC-enabled ATM with the contactless symbol. A charge of €2 applies to each withdrawal beyond this limit.
An Post Money Current Account
Personal
Account type
Criteria
Aged 16 and over
Branch access
900 post offices nationwide
ATM withdrawals
Charges apply
€5.00
Monthly account fee
ATM withdrawal charges: €0.60 per ATM withdrawal
Personal Current Account
Personal
Account type
Criteria
Aged 18 to 65 years
Branch access
250 branches nationwide
Free ATM withdrawals
€6.00
Monthly account fee
Explore Digital Current Account
Personal
Account type
Criteria
Aged 18 and over
Branch access
98 locations throughout Ireland
Free ATM withdrawals
€8.00
Monthly account fee
5c back as you Payi
Every time you pay with your card in-store, online, with Apple Pay or Google Pay, you‘ll get 5c back. Earn up to €5 cashback each month. T&C's apply.
Cashback on Billsi
Get up to 5% cashback when paying your bills by Direct Debit from your Explore Account with selected partners. T&C's apply.
Premium
Personal
Account type
Criteria
Aged 18 and over
No branch access
ATM withdrawals
Charges apply
€8.99
Monthly account fee
ATM withdrawal charges: €400 per month fee-free ATM withdrawal limit. A 2% or €1 fair usage fee applies thereafter.
N26 You
Personal
Account type
Criteria
Aged 18 and over
No branch access
ATM withdrawals
Charges apply
€9.90
Monthly account fee
ATM withdrawal charges: You can withdraw cash for free 5 times per month at any NFC-enabled ATM with the contactless symbol. A charge of €2 applies to each withdrawal beyond this limit.
Allianz Assistance travel insurance packagei
This includes coverage for travel and baggage delays, medical cover in case of emergencies abroad and much more. T&C's apply.
N26 Perksi
With N26 Perks, benefit from an ever-growing range of offers from the likes of WeWork, Hotels.com, GetYourGuide, and many more. For more information on what’s currently available to you—as well as how to redeem your deals—please check your N26 app. T&C's apply.
Fee-free ATM withdrawals worldwidei
Pay with your N26 Mastercard online and in stores, avoiding hidden fees and benefiting from zero foreign transaction fees worldwide. You can also withdraw cash for free in any currency from ATMs worldwide. T&C's apply.
Easy Bank Pro
Personal
Account type
No branch access
ATM withdrawals
Charges apply
€9.99
Monthly account fee
ATM withdrawal charges: 6 ATM withdrawals per month at no extra cost, the next 5 thereafter cost €0.99 each. After that, ATM withdrawals cost €2.99 each.
Metal
Personal
Account type
Criteria
Aged 18 and over
No branch access
ATM withdrawals
Charges apply
€15.99
Monthly account fee
ATM withdrawal charges: €800 per month fee-free ATM withdrawal limit. A 2% or €1 fair usage fee applies thereafter.
N26 Metal
Personal
Account type
Criteria
Aged 18 and over
No branch access
ATM withdrawals
Charges apply
€16.90
Monthly account fee
ATM withdrawal charges: You can withdraw cash for free 8 times per month at any NFC-enabled ATM with the contactless symbol. A charge of €2 applies to each withdrawal beyond this limit.
Allianz Assistance travel insurance packagei
This includes coverage for travel and baggage delays, medical cover in case of emergencies abroad and much more. T&C's apply.
N26 Perksi
With N26 Perks, benefit from an ever-growing range of offers from the likes of WeWork, Hotels.com, GetYourGuide, and many more. For more information on what’s currently available to you—as well as how to redeem your deals—please check your N26 app. T&C's apply.
Fee-free ATM withdrawals worldwidei
Pay with your N26 Mastercard online and in stores, avoiding hidden fees and benefiting from zero foreign transaction fees worldwide. You can also withdraw cash for free in any currency from ATMs worldwide. T&C's apply.
Mobile phone insurancei
With N26 Metal, your phone is covered in case of theft or damage up to €2,000. T&C's apply.
Easy Bank Pro XL
Personal
Account type
No branch access
ATM withdrawals
Charges apply
€18.99
Monthly account fee
ATM withdrawal charges: 6 ATM withdrawals per month at no extra cost, the next 5 thereafter cost €0.99 each. After that, ATM withdrawals cost €2.99 each.
Travel Insurance includedi
Travel Insurance is automatically included in your Easy Bank Pro XL plan. Just activate it once in the Activities tab of the bunq app, and you'll be covered for all your future trips. T&C's apply.
Plant a tree with every €100 spenti
For every €100 spent with your card, bunq will plant one tree! To make offsetting your carbon footprint even easier, we also show the CO2 impact of every transaction in the app.
Ultra
Personal
Account type
Criteria
Aged 18 and over
No branch access
ATM withdrawals
Charges apply
€45.00
Monthly account fee
ATM withdrawal charges: €2,000 per month fee-free ATM withdrawal limit. A 2% or €1 fair usage fee applies thereafter.

What do you get with a current account?

Personal current accounts are normally used for everyday finances. When you open a current account, you will usually be given:

  • a debit card for contactless payments & ATM withdrawals
  • a mobile app to manage your money
  • an online account or telephone banking facilities
  • an overdraft facility, subject to your credit history
  • a chequebook if you want one
  • Apple & Google Pay

Some bank account providers offer other perks such as cashback on purchases and bills.

current account laptop

Current account charges and fees

Many banks charge monthly maintenance fees and sometimes charge for cash withdrawals at ATMs.

Bank charges and fees

Some banks charge additional fees for setting up direct debits, lodgements or in-branch counter services. The cost of charges varies, so always check to ensure you know what you’ll have to pay extra for before you open an account.

You will also be charged for any transaction that creates extra administration for the bank.

Expect to pay additional charges for:

  • Bounced cheques
  • Replacement cards
  • Unauthorised overdrafts
  • Spending abroad

What are overdraft charges?

An overdraft allows you to withdraw money or pay bills from your bank account even when your balance is zero. It is a form of short-term credit, so you borrow money from the bank.

There are two types of overdraft:

  1. Arranged overdraft: This is when you agree with your bank in advance on how much you can get overdrawn.
  2. Unauthorised overdraft: when you spend more than you have in your account without agreeing on an overdraft in advance.

All current account providers charge interest if you use your overdraft. Interest rates vary but currently range between 11.85% and 15.55% for an arranged overdraft and 11.85% and 27% for an unauthorised overdraft.

ATM fees

Even if your account allows free ATM withdrawals, Government Stamp Duty is charged at a rate of €0.12 per ATM transaction. Government Stamp Duty only applies to ATM transactions in Ireland and is due annually in arrears.

This charge is capped at €2.50 per year if you use your debit card for ATM transactions only and €5 if you use it for both ATM transactions and purchases.

Some account providers offer free or low cost cash withdrawals for a limited number of withdrawals each month, but then may charge fees as high as €2.99 per transaction thereafter.

Can you get a free bank account?

Yes, you may be able to get a basic bank account, which means you don’t pay any charges for everyday banking for the first year. However, you will need to meet certain criteria to qualify for one.

Compare and find out more about Basic Bank Accounts on our Basic Current Accounts comparison page.

Opening a bank account

Some providers only offer online accounts, but the main banks still allow you to open an account in person. From online to in-branch, here’s how to open a current account.

How do you open a current account?

There are several ways to open a current account, such as:

  • Online using your laptop, PC or tablet
  • Via a mobile app
  • In a branch
  • By phone
  • By post

Once your application is complete, and your new current account has been set up, your new bank will order your new debit card and provide you with details about internet and mobile banking.

What you need to open a bank account?

Whether you are opening an account in person or online you will need at least one document as proof of identity and separate documents for proof of address.

If you are opening an account online or via an app you may need to provide more than one piece of evidence and Photo ID.

What counts as proof of identity?

Your identity documents need to be in date, valid and legible and the name must exactly match your proof of address. Some examples are:

  • Passport
  • Birth certificate
  • EU driving licence
  • EU national identity card
  • Public service card

If the date of birth isn’t shown on your ID, you may also need to provide your birth certificate as supporting evidence.

What can be used as proof of address?

Proof of address needs to be less than six months old, but banks may accept 12 months for mortgage statements or home insurance documents. Some examples are:

  • Utility bills, e.g. electricity, gas, telephone, broadband, waste collection
  • Letters from a regulated financial provider, e.g. mortgage or credit card statement
  • Government department correspondence, e.g. LPT letter
  • Insurance documents
  • Tax credit certificates

Can you get a current account if you have bad credit?

The decision will be at the provider’s discretion, but if you cannot open a personal current account, you will be able to get a basic bank account.

You’ll likely be credit checked so your new account provider can find out how you have previously managed your money. If you’d like to know more about your credit score, visit our guide, How to check your credit record?

How to get the best current account

With so many current accounts to choose from, it’s often a challenge to pick the right one. Here are our tips for finding the best current account for your needs.

Choosing a current account

Whether you want to open a bank account for the first time or you’re thinking of switching, take time to fully compare bank accounts and think carefully about which best suits your finances.

You should consider:

  • What’s the main purpose of the account? Is it for receiving wages and purchasing or do you need to set up lots of direct debits, make transfers and pay in cheques? Some banks charge for these, so a flat fee and free transactions may suit you best.
  • Account fees and transaction charges: Would you prefer to pay a higher monthly account fee or be charged for individual transactions? All banks have a web page and leaflet outlining their charges in full, it’s definitely worth reading the small print.
  • How you manage your money: Do you prefer to use mobile apps on the go? If so, one of the newer providers may suit you. If you’re more comfortable phone banking or visiting a branch, opt for a more traditional bank.
  • Your preferred payment method: If you favour mobile payments, opt for a bank that offers free Google or Apple Pay. If you like to use cash, go for a bank that offers free ATM withdrawals.
  • Do you need regular or easy access to a branch network? If so, choose a bank with branch near you, and opt for the closest or easiest to get to.
  • Perks and other rewards: Some current accounts offer perks like cashback on bills and purchases. If this benefits you, opt for an account that offers the best incentives.
  • Do you need an overdraft? Choose the bank that offers the cheapest overdraft fee and interest charges. Some of the newer providers don’t offer overdrafts at all.

Compare the best current accounts in Ireland

Once you’ve decided what you’re looking for, you can use our comparison tool to choose an account that suits your needs.

  • Compare the best current accounts in Ireland using our personal current account comparison tool, above.
  • If you’re a student, compare student and graduate current accounts.
  • If you’d like a simple, fee-free account, a basic current account could be for you. Compare basic accounts here.

Can you get a prepaid card without a current account?

Yes, you can. You don’t need a current account to have a prepaid card and you don’t need to be credit checked for a prepaid card as you would for a current account or credit card.

You may still have to undergo identity and age checks though.

How to switch your current account

The Central Bank Switching Code ensures that switches have to be completed by the bank within 10 working days.

This includes the transfer of all direct debits and standing orders. It takes the hassle out of switching and an assurance that you won’t miss any payments.

Here’s what you’ll need to do:

  1. Compare current accounts using Switcher.ie’s comparison tool
  2. Choose your new provider
  3. Apply for the account
  4. Read any T&Cs carefully and check you understand the fees and charges
  5. Tell your new bank about any overdraft you may need to transfer
  6. Agree on a date for switching (don’t pick the days you pay bills or get your wages)
  7. Complete an account transfer form. This gives permission to the bank to transfer any active direct debits, funds and close your old account if required.
  8. Give your new account details to anyone who pays into your account, like your employer

Current account FAQs

Can I do my banking at the post office?

Yes. An Post has more than 900 post offices across the country, providing a range of banking services for AIB customers.

This service is available from 9am to 5.30pm Monday to Friday and 9am to 1pm on Saturday.

On their website, you can find out more about banking with An Post.

Due to Bank of Ireland branch closures, the bank has recently agreed a partnership with An Post that will allow customers to make over the counter cash and cheque lodgements and cash withdrawals to ensure continuity of service.

What's the difference between a debit card and a credit card?

A debit card is provided with your current account and can be used for everyday spending.

A credit card can be obtained from your bank or another credit provider for making purchases on a buy now, pay later basis. Interest charges may apply.

If you get a credit card, you’ll be given a credit limit based on your credit score, which will allow you to make large purchases, such as a holiday, and spread the cost.

Can I switch your bank if I'm overdrawn?

It depends on your bank or provider. Some request you pay it off before switching and others will take on your overdraft subject to your credit rating.

It’s best to discuss it with your prospective bank before applying.