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.
To be eligible for a Credit Card you need to be:
To apply for a Credit Card you will need:
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.
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
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.
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.
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.
We will call you on 01 0212 4251.
If we cannot reach you, we will send you a SMS.
Please note:
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:
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.
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.
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.
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.
No, PTSB do not offer joint Credit Cards, however you can add an “authorised” user to your Credit Card account.
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.
Getting set up is simple, click here for the steps on how to add your new card to Apple Pay.
How you set up Google Pay on your new card is outlined here.
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.
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.
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!
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.
