If you’re moving to Ireland to study, a PTSB Student Account gives you everything you need for everyday banking, with no monthly maintenance fee.
Why choose the PTSB Student Account?
- No monthly maintenance fee and no day‑to‑day transaction charges, including Direct Debit fees, cash lodgement fees, cash withdrawal fees, or fees for using your Visa Debit Card to make purchases in euro.
- A contactless Visa Debit Card: Add your card to your digital wallet, Apple Pay or Google Pay™, so you can spend securely on the go.
- The PTSB app: Your account at your fingertips 24/7, make transfers, view your card PIN and freeze or unfreeze your card. You can also make person‑to‑person mobile payments with Zippay in your PTSB app.
- Access to Emergency Cash: So you’re never stuck if your card is lost or stolen.
- Help getting set up: If you’ve recently moved to Ireland and don’t have utility bills yet, you can use your PPSN letter as proof of address to open your account. Learn more about obtaining a PPSN letter.
Other transaction charges may apply. These charges include:
- ATM usage outside the Eurozone.
- Using a Debit Card for purchases in a foreign currency or outside the Eurozone.
- Referral item fees or unpaid item fees. A referral item fee of €5 per item (up to a maximum of €15 a day) will be charged if a standing order, Direct Debit or cheque is presented for payment and is paid, but there isn’t enough money in your account to meet the debit at the time. An unpaid item fee of €10 will be applied to your Student Current Account for all unpaid Direct Debits, standing orders or cheques.
Read our full Terms and Conditions and the Personal and Business Banking Charges for more details.
Our Student Account is available for a period of 5 years from when your account is opened. After 5 years your Student Account will convert to a personal current account.
See Student Account
Who can apply?
This account is available for:
- Students aged 18 or over in full-time third level education or full-time postgraduate study (minimum 1 year).
- Students in full-time second level education who are 18, with a letter from their school principal.
What you'll need to open a Student Account
| Document type |
Acceptable documents |
| Proof of identification (ID) |
- Current valid passport / passport card.
- Current valid Irish, UK, or EU driving license.
- Irish Government Travel Document.
Your photo ID must be in date.
If you don't have the above, you can provide 2 of the following in branch instead (at least one must include your date of birth):
- Valid Public Services Card.
- Valid Non-EU Driving Licence.
- State Issued Birth Certificate.
- EU National Identity Card.
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Proof of address
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If you don't yet have standard proof of address documents, you can use a letter from the Department of Social Protection confirming your Public Service Number (PPSN) as valid proof of address. View example of this letter.
For more information, visit the Department of Social Protection's website, or contact your local PPSN allocation centre.
- A utility bill (issued within the last 5 months) e.g. gas or electricity bill.
- A bank or building society statement (issued within the last 5 months).
- Official Revenue documents (issued within the last 11 months).
- Your original household, health or motor insurance documents (issued within the last 11 months old).
- Correspondence from regulated Pension Providers (issued within the last 11 months).
- Jury Notice and TUSLA correspondence (issued within the last 5 months).
Important information
Your proof of address must have your full name and address on it. The name must match the name on your ID. Initials are not accepted.
Some documents that we cannot accept: Revenue PIN reminder letters, neobank statements e.g. Revolut or N26, mobile phone bills, receipts, invoices, motor tax correspondence and TV license.
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Proof of enrolment in a third-level institution
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- A dated letter of acceptance, invoice, or receipt from 3rd level institution.
- A letter from your college confirming your enrolment. (Letter must be on headed paper, dated and signed by the College Administration Office).
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| Signed declaration |
The form will be provided to you in branch. Please read all information carefully before signing the declaration.
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See Student Account
