Every time you pay with your card in-store, online or with Apple Pay or Google PayTM, you‘ll get 5c back. And as you keep using your card, we’ll keep rewarding you. You can earn up to €5 cashback each month!
We‘ve partnered with some of Ireland’s leading brands, such as Sky, SSE Airtricity, and Circle K to bring you great savings on your regular bills. Whether you are a new or existing customer with our partners you can get up to 5% cashback when you pay by Direct Debit from your Explore Account.
Get 2% cashback on monthly PTSB mortgage repayments every month until 31 December 2030 when you pay by Direct Debit from an Explore Current Account. Learn more about our Mortgage cashback offer.
There are no day-to-day transactions, withdrawal or contactless fees for using your Visa Debit Card or for other everyday banking like transfers between other PTSB accounts, Direct Debits and Standing Orders. Just a flat €8 monthly fee for maintaining the account.
There may be other charges for things like Government Stamp Duty on your Debit Card, unpaid items, or if you use an ATM outside the Eurozone. Read our Fees and Charges booklet for more information.
With the PTSB App, you’ll have access to features like freezing your card if you've misplaced it, and our one of a kind PTSB Protect, an additional layer of anti-fraud protection. Learn more about the PTSB App.
Applying has never been easier. To start your application, scan the QR code below to download the PTSB App, select the “Current Account Application” icon and follow the instructions. View documents needed to open a Current Account.
Please note: We may request that you make a branch appointment to provide further documentation before your application can be completed.
To apply in-app you must be over 18 and a resident in the Republic of Ireland.
See our step-by-step guide on how to apply for a Current Account to make your application as seamless as possible.
If you are a new resident of Ireland, you may not have any acceptable proof of address documents yet. View acceptable proof of address documents for new to Ireland residents.
If you prefer to open an account in Branch, you can book an appointment and our team will help guide you through the process.
When attending your appointment you will need to bring all relevant documentation to complete the application and your mobile phone so we can set you up on Open24 Online banking.
Book an appointment Call 0818 50 24 24
You can view cashback earned as well as cashback due in the My Rewards tab within the website version of your Open24 Online Banking. You can keep track of your 5c cashback total during the month on Open24 Online Banking and your total will be credited to your Explore Account at the start of each month. Pending transactions must be processed by the merchant before qualifying for 5c back as you pay and this may affect your monthly Rewards Total.
You can access your eStatements anytime and anywhere online through Open24 Online Banking or the PTSB App on a registered device for a period of 24 months from the statement issue date. We recommend you download and save your eStatements to your password protected personal device to ensure future ease of access.
Get 2% cashback on your monthly PTSB mortgage repayments every month until 31 December 2030 when you pay by Direct Debit from an Explore Current Account.
For example: On a monthly repayment of €1,500 you would get €30 back each month, that’s €360 per year, which can really add up over the term of the offer.
Cashback is paid directly into your account on the first working day of the month following your repayment. If either your Explore Account or the Mortgage is terminated for any reason then the monthly cashback will cease. PTSB retains the right to close the Explore Account as per the General Terms and Conditions. Offer applies to home loans only i.e. excludes buy-to-lets. It should be noted that any change in use of the property from personal use to letting could have tax implications for you.
Warning: If you do not keep up your repayments you may lose your home.
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.
See our Terms and Conditions and our Personal and Business Banking Charges booklet for more information.
Account features, benefits and partners are subject to change.
Available to personal customers over 18. eStatements only.
Discover our step-by-step guides on how to move your Current Account, Credit Card, Overdraft and Savings Accounts.
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