The honest reality
Irish banks are not legally permitted to discriminate against customers based on nationality. However, in practice, non-EU nationals — particularly those who have recently arrived, have an expired or near-expiry IRP, or come from certain countries — face more scrutiny than EU citizens or Irish nationals. Anti-money laundering compliance requirements mean banks apply enhanced due diligence to customers they perceive as higher risk.
The key is knowing which banks are more accessible, what documents they specifically require, and how to present your application most effectively.
Bank by bank
🏦 AIB (Allied Irish Banks)
Accessibility for non-EU nationals: Good
AIB has a well-established online application process and accepts non-EU customers with valid documentation. You need a passport, PPS number, and proof of address. The online application is often smoother than branch visits. AIB's mobile app is good. Fees apply on the standard current account — around €4.50/month or fee-free with €2,500/month turnover.
🏦 Bank of Ireland
Accessibility for non-EU nationals: Good
Bank of Ireland is the other major retail bank and is generally accessible to non-EU nationals with valid documentation. Their 365 Online account is the standard option. Fees are similar to AIB — around €6/month or fee-free with conditions. Their application process is available online and in-branch.
🏦 Permanent TSB
Accessibility for non-EU nationals: Moderate
Permanent TSB is sometimes more flexible than AIB or BOI for non-standard situations. They have fewer branches than AIB and BOI but are worth trying if you have been refused elsewhere. Online and in-branch applications available.
📮 An Post Money
Accessibility for non-EU nationals: Excellent — recommended for new arrivals
An Post Money is by far the most accessible option for new arrivals and people with limited documentation. You can open an account at any An Post office with basic ID — no proof of Irish address required initially. You get a full IBAN, a debit card, and the ability to receive wages and set up direct debits. Fees are low. The mobile app is functional. This is the recommended first account for most non-EU arrivals.
🏦 KBC / EBS
KBC exited Ireland in 2023. EBS (owned by AIB) does not offer current accounts.
Which to choose — a practical guide
Just arrived, limited documentation → An Post Money first
Open An Post Money immediately. Get an IBAN to receive wages. Apply for a full current account at AIB or BOI once you have a PPS number, proof of address, and IRP sorted.
Have all documents, want best features → AIB or Bank of Ireland
Apply online. Either bank is fine. AIB's online process is slightly smoother. Both have extensive ATM networks and good apps.
Refused by main banks → An Post Money or credit union
An Post Money is the fallback. Credit unions are the next option — they are member-owned, locally based, and often more willing to work with people who have been refused by commercial banks.
More bank account guides
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