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Switch with our switcher form

A guide to switching using our switching form

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Before you start  |  A step by step guide  |  FAQs  |  Move other products?  |  Explore Current Account

Before switching your Current Account to PTSB, the first step is to open a new Current Account and register for Open24 online banking. 

You can apply for PTSB’s award-winning Explore Account by downloading the PTSB app and selecting the “Current Account Application” icon and following the instructions. 


Already have a Current Account with us? 

Great! If you already have a current account you can use this for your switch, you do not need to set up another Current Account.

A step by step guide

Before you start

Documents you will need

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

  • 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).

To make your in-app application as quick and easy as possible, find out more about the documents required to open a Current Account here.

Apply in app

You can apply for PTSB's award-winning Explore Account by downloading the PTSB app and selecting the “Current Account Application” icon and following the instructions.


To apply in app you have to be over 18, a resident in the Republic of Ireland and be a:

  • New or Existing PTSB customer opening a sole Current Account in your own name
  • New PTSB customers opening a Joint Current Account*

*If one or both of you are already customers with PTSB, you will need to attend a PTSB branch to open your account. We are working hard to bring joint Current Account opening to the app for our existing customers soon.

Opening a Joint Current Account in-app?

Step 1: Customer 1 starts the application, provides their basic information and uploads documents to verify their identity and is asked to invite Customer 2 to join the application

Step 2: Customer 2 receives an email invite to join the application, provides their personal details and uploads their documents to verify their identity.

Step 3: Once Customer 2 completes their step, Customer 1 is notified to log back in, review and submit the full application.

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.

Find out more about the Explore Account.

Register for Online Banking

Once your Current Account is active you will need to register for Open24 Online Banking. When you open your account in-app we will send you a text to complete your Open24 registration. Find out more about Open24 Online Banking here.


Get started

Step 1: Getting started
  • After you submit your Current Account application in-app, you will receive a welcome email that will include an Account Switching form. 

Download Account Switching form (pdf, 44KB)

  • Once we confirm your Explore Account is active, complete the Account Switching form and return it to us using our free post address or drop it into any PTSB branch. Find a branch


Free post address:
Switching Team,
Permanent tsb, 

56-59 St. Stephens Green, 
Dublin 2

Top tip

You will need access to a printer to complete this step.

Step 2: Select your switch start date

You will have to select a switch Start Date on your Account Switching form. 

Top tip

Pick a date where there is the least activity on your account, (that is, when there is the least amount of incoming credits, Direct Debit and Standing Orders). This is usually at the end of the month. See our FAQs for more information.

Step 3: Direct Debits, Standing Orders & Recurring Debit Card Payments

What we will do

  • We'll send the completed Account Switching form to your old bank and they will send you a list of your Standing Orders and Direct Debits to review. 
  • Your old bank will send your Direct Debit originators your new account details so that all of your Direct Debits can be transferred over. 
  • Your old bank will also send us details of any Standing Orders that you may have, and we will set these up. 

What you need to do

  • We recommend that you also contact these companies directly to check they have updated your bank details correctly before your next payment is due. You should ask them if they need you to sign a new Direct Debit mandate. 
  • Recurring Debit Card payments will not automatically switch over. You will have to update subscriptions or other automatic debit payments you may have (such as Netflix) or accounts you may have added your card details to (e.g. ASOS), with your new PTSB Visa Debit Card details. 
Top Tip

Your Visa Debit Card will arrive 5-7 working days after your account becomes active.

Contact details of most common providers

Step 4: Switch your salary and other regular credits to your new account
  • If you are employed, you must inform your employer as soon as possible of your new account details by providing them with your PTSB BIC and IBAN details.
  • You should also make sure that any other regular credits that are made to you go into your new account (such as child benefit, maintenance payments, pensions or share dividends).
  • If your employer or another organisation wants written confirmation of your new account details, you can complete and send them a Credit Transfer Form.
Top tip

You'll find your BIC and IBAN details when you log into your Open24 online banking.

Step 5: Completing the switch
  • We will send you a text two days before your switch begins to remind you and another text when your switch is complete. 
  • If we come across any problems along the way, we will call you to discuss the next steps. 
Top tip

If you are closing your old bank account, you must stop using your old Visa Debit Card 5 working days before your switch start date.

Take control. Switch at a time that suits you. 

Self Switch

Need to move a Joint Account?

  • If you are both new PTSB customers, you can open a Joint Current Account in app, otherwise if you are an existing customer or would prefer to open your Current Account in branch, you will need to book an appointment in branch and one of our team will help guide you through the process. 
  • You will both need to attend the appointment and each of you will have to bring all relevant documentation to complete the application and your mobile device to register for Open24 Online banking.
  • We will complete the Account Switching form with you during your appointment. We will also help you choose the switching date that works best for you.

Frequently Asked Questions

How do I choose a switch start date?

Review your old bank account and look for a time on your account which has the least amount of activity i.e. a period where there’s no Salary, Other Credits, Standing Order or Direct Debit activity for 7-10 working days. This is normally towards the end of the month.

Pick a date within this time frame that is a week day (Monday to Friday), excluding Bank Holidays.

I don’t have a clear date available to select a switch start date, what should I do?

Check your transactions and identify a time when there is the least number of debits on your account.

If there are payments going out of your account throughout the month and there are no clear dates available to select a switch start date, there are a couple of things you can consider for both Direct Debits and Standing Orders:

Direct Debit (DD):
  • Contact your Direct Debit provider to see if they can change the Direct Debit to a different date; or
  • Cancel the impacted Direct Debit with the company directly and make a manual payment for when the payment is due during the switch.
  • You will then need to set up a new DD mandate with the company for any future payments from your new PTSB account.

Please note: this option (cancelling), will not be possible for all companies and will need to be checked with the business the Direct Debit is for e.g. cancelling a DD on your Life Assurance or Health Insurance may be considered a break in your contract and it could impact your cover.

Standing Order (SO):
  • Amend the date the SO is due to be debited from your old account before the switch start date; or
  • Cancel the SO and make a manual payment. You can then set up a new SO on your new PTSB account through Open24 online banking on your laptop or desktop.

Please note: As per above, you would first need to confirm this does not impact any Terms you have agreed to e.g. you may have an SO set up as a loan repayment.

There are two options on the Account Switching Form, Option A and Option B – What is the difference?

You will need to pick either Option A or Option B when completing your Account Switching Form.

Option A – Select this option if you want your old bank to transfer your account balance to your new account and close your old bank account.

Option B – Select this option if you want the balance to remain in your old account and the old account to remain open.

It is important that you pick the option that best suits you.

For both Option A & Option B:

  • All Standing Orders will switch to PTSB.
  • Your old bank will contact your Direct Debit providers with your new account details and request they update your details.
  • You should contact your Direct Debit providers to confirm your details have been updated to your new account details, and to check if you need to sign a new Direct Debit mandate. Contact details of most common providers.
Who switches my Direct Debits?
  • If you are switching in to PTSB using the formal bank to bank switching process, your old bank will inform your SEPA Direct Debit providers (companies you have a Direct Debit with), in writing of your new PTSB account details.
  • These companies are then responsible for updating your account details.
  • We do recommend that you also contact these companies to check they have updated your details before the next due date of your next Direct Debit, and to check if you need to sign a new Direct Debit mandate.

Click here for contact details of most common providers.

How long before my switch start date do I need to stop using my old bank’s Visa Debit Card?
  • If you are closing your old bank account, you must stop using your old Visa Debit card 5 working days before your switch start date.
  • If there are pending transactions on your old account, it may result in your switch being declined.
  • You can however continue to access money from your old bank account using your old Bank’s ATM machine for cash withdrawals only.

It is important that you have access to funds that will cover the 10 working days of your switch. We recommend that you transfer sufficient funds into your new PTSB current account by transferring online or lodging at a branch.

View more FAQs

Move other products

Savings and Deposits

Looking for Savings and Deposit account options? We have a range of products available to suit your needs.

Credit Card

Apply for a Credit Card and transfer your balance from your existing Credit Card to PTSB.

The Explore Account is our Digital current account making everyday banking rewarding and easy with things like:

  • Flat monthly fee for maintaining the account.
  • No day-to-day transaction or contactless fees.
  • Apple pay and Google pay.
Learn more about the Explore Account
Need help?

Watched our video, read our FAQs and still need help?

If you need to talk to someone about your switch, please call us on 0818 502 424.

Help and Support

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

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