The problem with a new PPS number
When you receive a PPS number, it takes time to appear in Revenue's systems and to be linked to any financial or employment records. Some banks run automated checks against the Revenue system when you apply — and a brand new PPS number with no history attached to it can trigger extra scrutiny or even a rejection.
This is not a legal barrier. Banks cannot refuse to open an account simply because your PPS number is new. But in practice, some branch staff or automated systems flag it, and this can cause delays.
What to do
Register your PPS number with Revenue first
As soon as you receive your PPS number, register with Revenue and update your address on myaccount.revenue.ie. This links your PPS number to your address in the Revenue system. Banks that run system checks will then find your details when they search.
Apply to An Post Money first
An Post Money does not run the same automated checks on PPS numbers as commercial banks. It is the most reliable first-account option for people with new PPS numbers. Open it immediately and use it while you establish your Revenue record.
Wait 4–6 weeks before applying to AIB or BOI
If you have time, waiting 4–6 weeks after registering your PPS number with Revenue gives their systems time to update. By this point your PPS number will have associated records and bank applications will go more smoothly.
Bring your PPS letter to the branch
When applying at a bank branch, bring the original letter from the DSP confirming your PPS number. This is more persuasive to a branch staff member than a number they cannot verify in their system.
Revenue registration — how to do it
Go to myaccount.revenue.ie and create a Revenue account. You will need your PPS number and either a MyGovID verified account or an activation code from Revenue (which arrives by post). Once registered, you can view and update your tax details, receive tax credit certificates, and your details become visible to banks when they run system checks.
More bank account guides
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