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A guide to moving your Credit Card and Deposit Account

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Before you start  |  Step by step guide  |  FAQs

Before you start

Before you can transfer your Credit Card balance and move your Savings you will first need to open a PTSB current account and a Deposit/Savings account. We have put together a handy step by step guide below.

To be eligible for a Credit Card you need to be:
  • Minimum age 18 years old
  • Resident in the Republic of Ireland
  • Have a minimum of six months continuous employment

Documents you will need

To keep things official, there are just a few documents we will need from you.

For both products

  • ID verification, like your passport
  • Address verification, such as a utility bill
  • Information about your non-Irish tax residency (where applicable), including Tax Identification Number(s)
  • Your PPSN

For Credit Card:

  • Proof of Income such as your last 3 months bank statements / recent payslip. If you‘ve been in your current job less than 12 months, you will need proof of employment permanency
  • Proof of Immigration status if you are not an EU citizen

Please see here for more information on each of these required documents.

Please Note: not all applications are the same and additional information may be required in certain circumstances. We’ll let you know as soon as possible if we require further information. 

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit, a hire- purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.

A step by step guide


How to apply for a Credit Card
Apply in branch

If you are not registered for Open24 Online Banking or not yet a PTSB customer, you can make an appointment in any of our branches and submit your application with one of our team.

Call us on 0818 50 24 24 to make an appointment.

Top tip
Make sure you have your PPSN to hand in order to apply

You will have to enter your PPSN when submitting your application in-app or provide it to us if applying over the phone or in branch. If we already have it on file, you will not have to provide it to us again. If approved, you will need to provide us with proof of your PPSN.

Please note: We cannot accept your Public Service card as proof of PPSN. 

Find out more about documents we can accept.


Are you registered for online banking?

Apply in app for Credit Card

Once you are registered for Open24 Online Banking, you can select the “Credit Card Application” icon on the PTSB app and follow the instructions to submit your application.

Log in to Open24

Apply via phone

If you are an existing PTSB customer, you can call us on 0818 837 408 or 01 212 4022 and we can do your application with you over the phone.

*Government Stamp Duty of €30 applies to Credit Cards annually.

Select and apply for Deposit or Saver Account

We have a number of different accounts available, we have detailed which can be opened in branch and online when you are registered for Open24, below.

Apply in branch

You can only open the following Accounts by attending one of our branches. They cannot be opened online or in-app.

Demand Deposit Account

With a Demand Deposit Account, you can lodge monthly payments, lump sums, or both.

Find out more.

21 Day Notice Regular Saver Account

With a 21 Day Notice Regular Saver Account, you choose the amount you want to save each month.

Find out more.

Fixed Term Deposit Account

If you have a lump sum you do not need access to in the near future, a Fixed Term Deposit Account may be a suitable option.

Find out more.

To apply for any of the Deposit Accounts listed above, please call us on 0818 837 408 or 01 212 4022 to make an appointment.

Apply on desktop/laptop

The following Saver account options can only be opened when you are logged into your Open24 online banking on a desktop/laptop. They cannot be opened in-app or branch.

Online Instant Access Account

Access your online savings instantly with the PTSB Online Instant Access Account.

Find out more.

Log in to Open24


Online Regular Saver Account

Save as much or as little as you want with the PTSB Online Regular Saver Account.

Find out more.

Log in to Open24


Move funds to Deposit/Saver account

Once your new Deposit/Saver Account is open, you can lodge money, either as an Electronic Funds Transfer (EFT), or at a PTSB branch. 

Top tip

Certain exclusions apply to lodgements on Saving / Deposit Accounts, check the Terms and Conditions of each account for more information.

Provide necessary documents for Credit Card

If you apply in-app, and we require any documents in order to progress your application we will ask you to upload them and provide you with a link.  We will update you on your application via SMS. If we need to confirm anything with you, we will contact you by phone so keep an eye out for our call.

How we contact you

We will call you on 01 0212 4251.

If we cannot reach you, we will send you a SMS. 

Please note:
We will never ask for personal information via SMS or include a link within the SMS for you to click. 

We will not make unsolicited calls and ask for security information or security passcodes.


Have a Credit Card Balance to transfer from another Bank?
Apply over the phone

Once you are approved for your Credit Card, you can then request a Balance transfer. You can call us on 0818 837 408 or 01 212 4022 to apply.

You will need to provide us with:

  • The name of your old bank.
  • Your 16 digit Credit Card number.
  • The balance transfer amount – this is the closing balance of your Credit Card with your existing provider. You will need to confirm this with them to ensure any interest, fees & charges due, are accounted for.

Find out more about the ICE Visa Credit Card.

Once the Balance Transfer is complete, you need to contact your old provider to close your Credit Card account.

Important information
  • A Balance Transfer can only be applied for when sufficient credit is available on your PTSB Credit Card.
  • The Balance Transfer, once approved by PTSB, will be transferred within 3 working days.
  • When you request a Balance Transfer you authorise us to debit your Credit Card account by that amount and forward a credit for that amount to your other Credit Card provider.
Transfer remaining balance and close old Deposit/Saver account

Once you have moved your savings to your new Deposit/Saver account, you can then close your old account.

Activate your Credit Card
Once you are approved
  • We will contact you to let you know.
  • Your card will issue in 5-7 working days and your PIN number for your card in 3-5 working days.
Activate card
  • When you receive your card, you will need to activate it before you can start using it for purchases. You can activate your card through your Open24 online banking on desktop or laptop, when you log in.
  • When you are activating your card online you will be asked to complete additional security steps (i.e. you will receive an SMS with a one-time password and you will be asked to enter 3 random digits from your 6 digit Personal Access Number PAN).
  • If you need any help you can call us on 0818 211 611 (or +353 1 212 4865 from abroad)
  • Contactless will be available once you perform a chip and PIN transaction at an ATM or a retailer.
Log in to Open24
  • After you have activated your Credit Card with us, you can close your old account.
What should I do if I am not approved?

If after receiving your application and providing all your documents, your application is not approved, we will ring you to let you know and explain why.

Need to move a Joint Account?
  • If you are looking to open a new joint Saving/Deposit Account, you have to book an appointment in branch and one of our team will help guide you through the process.
  • PTSB does not offer a Joint Credit Card but you can add an authorised user to your Credit Card account in branch. See our FAQs for more information.
  • You will both need to attend the appointment and each of you will have to bring required proof of photo ID and proof of address to complete the application, and your mobile device to register for Open24 Online banking.
  • The length of your appointment time will vary depending on the number of products you wish to open.

Call us on 0818 837 408 or 01 212 4022 to book an appointment.

Frequently asked questions

Credit Card FAQs

What will my credit limit be?
A credit limit is the maximum limit that you can spend on your card. You will be asked when completing your application for the amount you want to apply for. Your credit limit will vary based on your income and other borrowing commitments that you have.

We’ll let you know what your limit is when we approve your application. The minimum credit limit you can apply for is €1,000 and the maximum is €30,000.

Can I open a joint Credit Card?
No, PTSB do not offer joint Credit Cards, however you can add an “authorised” user to your Credit Card account.

How do I add an authorised user?
You can nominate another person to be an authorised user on your Visa Credit Card account. They’ll get a card and will be able to use your account.

You will have to attend the branch with the person you want to add as an authorised user, you can make an appointment by contacting us on 0818 50 24 24, Monday to Friday (excluding bank holidays) 9am to 5pm and 10am -2pm Saturday and Sunday.

You’ll be referred to as the “Primary Cardholder” or “Principal Cardholder” with the authorised user referred to as the “Secondary Cardholder” or “Authorised User.”

The Authorised User shares the credit limit that you’ve been assigned. They are not given an additional limit.

We issue only one monthly statement per account – this will show both the name of the Principal Cardholder and the Authorised User.

Authorised Users have restricted access to the Visa Credit Card account – they cannot request any changes to the account, apart from card cancellation and replacement.

The Principal Cardholder must activate the Authorised User’s card. Principal Cardholders can activate the card through their Open24 online banking. Please note that activating the Principal Cardholder’s card will automatically activate the Authorised User’s card.

How do I set up Apple Pay?
Getting set up is simple, click here for the steps on how to add your new card to Apple Pay.

How do I set up Google Pay?
How you set up Google Pay on your new card is outlined here.

View more FAQs

Important to know: From February 2022, new Credit Card accounts will be automatically enrolled for eStatements, (some exclusions apply). You will receive an SMS each month advising that your Credit Card eStatement is available to view on your Open24 online banking. We will never include a link within the SMS for you to click.

Lending Criteria, Terms and Conditions apply.

Balance Transfer Calculator

What is your current outstanding balance? What is your current outstanding balance? This is the outstanding balance owed on your existing credit card that you intend to transfer across to the permanent tsb ICE Credit Card Close

What is your current purchase rate? What is your current purchase rate? This is the annual (nominal) purchase rate on your existing Credit Card. To find out the APR rate charged on purchases of your existing Credit Card please visit the National Consumer Agency website. Close

What are your intended monthly repayments? What are your intended monthly repayments? This is the amount you are intending to pay off your existing credit card balance each month over the next six month period. Close

Please fill in all the fields above to get started!

Find out more about Credit Card benefits. 

Find out more


Deposit Accounts

Find out more about Deposit Acccount benefits.

Find out more
Help and Support

Whatever your questions, we'll do our best to help you find the answers.

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