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How to move your Credit Card

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Before you start  |  A Step by step guide  |  FAQs  |  Moving other products  |  Credit Card benefits

The first step to moving your Credit Card balance to PTSB is to apply for a PTSB ICE Visa Credit Card.

Find out how to apply, and transfer a balance, below.

Before you start

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 6 months continuous employment

To apply for a Credit Card you will need:

  • Your PPSN
  • Proof of Income such as your last 3 months bank statements / recent payslip.
  • Proof of Employment permanency if you‘ve been in your current job less than 12 months
  • Proof of Immigration status if you are not an EU citizen
  • Tax Identification number (if you are a tax resident outside of Ireland)
  • Proof of ID and Address – If you are a new customer or an existing customer whose personal identification documents are not up to date, we will need ID and address documentation from you also.

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

Step 1: How to apply
Apply in App

We’ve made applying for a Credit Card quicker and easier!

If you are registered for Open24 online banking, you can log into the PTSB  app and submit your Credit Card application. Select the “Credit Card Application” icon and follow the instructions.

Your application can only be taken out in your sole name in-app and will be subject to a full credit assessment and affordability assessment.

Log in to Open24


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

We are obliged under the Credit Reporting Act 2013, to collect and verify your PPSN for credit applications of €500 or greater.

We use your PPSN number to check your credit history on the Central Credit Register.

You will have to enter your PPSN number 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 a proof of your PPSN, see here for documents that we can accept.

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

Not registered for Open24 Online Banking?

If you are not registered for Open24 Online Banking or not yet a PTSB customer, you can make an appointment to pop into any of our branches and submit your application with one of our team. Call us on 0818 50 24 24, Monday to Friday (excluding bank holidays) 9am-5pm and 10am-2pm Saturday and Sunday, to make an appointment

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

Step 2: 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 in-app. 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.
Step 3: Have a Credit Card Balance to transfer from another Bank?

No problem! The first step is to apply for your PTSB Credit Card, follow Step 1 above.

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

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.

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

Find out more about the ICE Visa Credit Card and what you can avail of when transferring a balance.

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.
Step 4 : 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.

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.

  • 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 can call us on 0818 50 24 24 to book an appointment with your local branch.
  • You will both need to attend the appointment and bring the required documents outlined above in order to complete your application.

Frequently asked questions

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 Apply 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

Moving other products?

Enjoy the convenience of having all your accounts in one place. You can move multiple products and we have detailed the best way to do this. 

Credit Card and Current Account

A guide to moving your Credit Card and Current Account.

Credit Card and Deposit Account

A guide to moving your Credit Card and Deposit Account.

Credit Card and other products

A guide to moving your Credit Card and other products.

Credit Card benefits

  • A second card for a family member for free (once they are over 18).
  • Protection against fraud when shopping online with Verified by Visa.
  • Pay safely for everything with Apple Pay or Google Pay.
Learn more about the ICE Visa Credit Card

Important information: 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 and 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!

Help and Support

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

Find a way to switch that suits you.

Self Switch Switching guide
Other options

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.

If you are not registered for Open24 or not yet a PTSB customer, you can apply for a Credit Card in branch by calling 0818 50 2424 and making an appointment.

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