Moving Bank?

Apply for our award-winning Explore Account

Apply for your Explore Account in-app, in minutes.

The Explore Account is our Digital Current Account. With benefits like 10c back as you pay and cashback on bills to mobile payments, the Explore Account makes everyday banking rewarding and easy. And with a flat €6 monthly fee for maintaining the account and no day-to-day transaction or contactless fees, you’re always in control of what you pay.

So if you want to open a new Current Account, or are thinking of switching your bank, applying has never been easier. To start your application, download the PTSB app, select the “Current Account Application” icon and follow the instructions.

Who can apply in-app?

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To apply in app you must to be over 18, a resident in the Republic of Ireland and physically located in Ireland at the time of application**

  • New or Existing PTSB customers can open a sole Current Account in their own name
  • New PTSB customers can open a Joint Current Account*

*The Joint Digital Current Account is only available to new PTSB customers. If one or both of you are existing customers with PTSB, you will need to open your account via a PTSB branch. Appointments can be made below or by calling us on 0818 502 424.

**As per our eligibility criteria, we require your permission to determine your device location at the time of application. This information will be obtained at initial application stage with your permission on a once off basis and will not be used for any other purpose.

Top Tip!

If you are a new PTSB customer (i.e. you do not yet have any products with PTSB) and you need to open both a sole and Joint Current Account, open your Joint Current Account in-app first. You can then return to the app as an existing customer and open a sole account.

What documents do I need?

To make your in-app application as quick and easy as possible make sure you are uploading acceptable documents.

Photo ID
  • It is important to make sure your Photo ID is in date for at least 30 calendar days after the day you apply. You’ll also find tips for taking the perfect selfie here.
Address ID
  • Address ID requirements vary depending on the document you choose to use. Utility bills and Bank statements must be dated within the last 5 months. Revenue Documents must be dated within the last 11 months.

Please note: in some instances we may request that you make a branch appointment to provide further documentation before your application can be reviewed.

Apply in Branch

If you are looking to open a new Joint Current Account or would prefer to open an account in Branch, you can book an appointment and one of our team will help guide you through the process. You will need to bring all relevant documentation to complete the application and a mobile device to register for Open24 Online banking.

Book an appointment Call 0818 50 24 24

Why choose an Explore Account

10c back as you Pay

Every time you pay with your card in-store, online, with Apple Pay or Google Pay, you‘ll get 10c back. And as you keep using your card, we’ll keep rewarding you. By making a payment only 2 times per day you can earn up to €5 cashback each month! See here for important information.

Cashback on Bills

We‘ve partnered with some of Ireland’s leading brands, such as Sky, SSE Airtricity, and Circle K to bring you great savings on your regular bills. Whether you are a new or existing customer with our partners you can get up to 5% cashback when you pay by Direct Debit. Find out more about our Partners and Cashback On Bills.

Pay safely for everything with Mobile Payments

Apple Pay

Use your Apple device to pay with your Visa Debit Card wherever you see the Apple Pay or contactless logo in-store, online or in-app. Find out more.

Google Pay™

Use your android device to pay with your Visa Debit Card wherever you see the Google Pay or contactless logo in-store, online or in-app. Find out more.

You're in control of your fees

With the Explore Account you’re always in control of what you pay with a flat €6 monthly fee for maintaining the account. There are no day-to-day transactions or contactless fees for using your Visa Debit Card or for other things like Direct Debits and Standing Orders.

There may be other charges for things like Government Stamp Duty on your debit card unpaid items, or if you use an ATM outside the Eurozone.

Account partners features and benefits are subject to change. Read our Fee Information Document for more.

Ready to Switch?

Step 1

Open your new Explore Account by downloading the PTSB app, selecting the “Current Account Application” icon, and following the instructions in-app. If you’re an existing PTSB customer looking to open a Joint Current Account, you will have to book a branch appointment. You will need to bring all relevant documentation to complete the application and a mobile device to register for Open24 Online banking.

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Already have a current account?

Great! If you already have a PTSB current account, you can go straight to Step 2 and choose a way to switch that suits you.

Step 2

There are two ways that you can switch your current account:

Option 1: Self-Switch

Take control and switch your account at a time that suits you 

Self Switch
Option 2: Use our Switching form

Fill in our Account Switching form and return it to us by post and our team can do some of the heavy lifting.

Download Account Switching form

Moving more than your Current Account?

No problem! Visit our Moving Bank Online Hub to step by step guides and help on how to move your Current Account, Credit Card, Overdraft and Savings accounts.

Visit our online hub

Important Information

See our Terms & Conditions and our Personal & Business Banking Charges booklet for more information. Available to personal customers over 18. eStatements only.

You can access your eStatements anytime and anywhere online through Open24 or in-app on a registered device for a period of 24 months from the statement issue date. We recommend you download and save your eStatements to your password protected personal device to ensure future ease of access. You must be using version 8.2 on IOS or 8.1 on Android to avail of this feature.

You can keep track of your 10c cashback total during the month on Open24 Online Banking and your total will be credited to your Explore Account at the start of each month.

Please note: Pending transactions must be processed by the Merchant before qualifying for 10c back as you pay and this may affect your monthly Rewards Total.

Your Cashback on Bills will be credited to your Explore Account at the start of each month and you can keep track of this on Open24 Online Banking.

Find out more about our Current Account.

Ready to Apply?

To start your application simply download the PTSB app, select the "Current Account Application" icon and follow the instructions.

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Moving your bank?

Visit our Moving Bank Online Hub for step-by-step guides and information to support your move.

Apply in-app

Ways to bank with us

Bank whatever way suits you

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Need more information?

Find out more about banking with us

Switching your Current Account FAQs

We’ve covered the most frequently asked questions and answers about switching a current account.

How much
could you earn?

10c back as you pay

How many times do you use your card to pay?


Cashback on bills

How much is your monthly bill?

Sky 5% cashback
SSE Airtricity 2% cashback

Save with Circle K

Please fill in all the fields above to get started!

Important information & assumptions
  • A €6 fee for maintaining the account per month will apply which has not been included in the calculation.
  • The information on the calculation above is indicative and may not match your actual earnings.
  • Please refer to the account information on the left hand side of this page for full details of the account.
  • For the 10c Back as you Pay benefit you can earn up to €5 per month.
  • For the Cashback on Bills benefit, a payment by Direct Debit from your Explore Account is required.
  • Explore customers can get 2c off per litre with Circle K. We use the AA National monthly average Petrol and Diesel prices to estimate how many litres you use. Average prices last updated May 2023
  • Account features, benefits and partners are subject to change.
  • No day-to-day transaction fees. Other transaction charges may apply e.g. unpaid items or ATM usage outside the Eurozone.
  • See our Terms & Conditions and Personal & Business Banking Charges booklet for more information. Available to personal customers over 18. eStatements only.
Digital Current Account application FAQs

Do you have questions about your Explore Account in-app application?

Explore Account General FAQ's

We’ve covered the most frequently asked questions and answers about our Explore Current Account.

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