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Apply for your Explore Account in minutes

With three great ways to benefit by just using your account, the Explore Account is a revolution in everyday banking.

Apply in-app

If you’re looking to open an account in your own name and you live in the Republic of Ireland, you can now upload your documents and apply for an Explore Account in-app, in minutes. Just download the most up to date version of the permanent tsb app from your app store, and apply for an Explore Account today.

To apply in-app you will need to take a selfie. In addition to being selfie ready, you will need to have the following documents* to hand:

  • Photo ID
  • Address ID

You’ll find a list of acceptable documents here.

Find out how to take the best image for your in-app application.

*Your Photo ID needs to be in date within 4 weeks for all in-app applications and Address ID requirements vary depending on the document you choose to use (Utility bills and bank statements must be dated within the last 5 months. Revenue documents must be dated within the last 11 months).

Apply in-app


Rewarding you in brand new ways

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10c back as you Pay

Every time you pay with your card in-store, online or with Apple Pay, you‘ll get 10c back. And as you keep using your card, we’ll keep rewarding you. You can earn up to €5 per month. So for example if you were to use your card to pay once a day that’s an average of €3 cashback each month.

  • You can keep track of your 10c cashback total during the month on Open24 Online Banking.
  • Then your total will be credited to your Explore Account at the start of each month.

Please note, that pending transactions must be processed by the Merchant before qualifying for 10c back as you pay. Please be aware this may affect your monthly Rewards Total.

Cashback on Bills

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.

  • You can keep track of your cashback on Open24 Online Banking.
  • Your Cashback on Bills will be credited to your Explore Account at the start of each month.

Find out more about our Partners and Cashback On Bills.


GoREWARDS is our way of rewarding current account customers with cashback from a wide range of your favourite high street and online brands, when you pay by Visa Debit Card.

By registering for GoREWARDS, every week you will receive personalised offers for the kind of things you like to buy. As long as you're using your Visa Debit Card and redeeming your offers, you should begin to notice cashback appearing from time to time in your Explore Account.

Once you’ve received your Visa Debit Card simply register here. Learn more about how GoREWARDS works.

Check out our list of Frequently Asked Questions. Each offer can vary but you will find the offer terms once you are signed in to GoREWARDS.

Pay safely for everything with Apple Pay

With Apple Pay you have the freedom to securely spend without a €50 limit, touch-free. Use your Apple device to pay with your Visa Debit Card wherever you see the Apple Pay or contactless logo in store, online or in-app. Find out more.

You‘re in control of your fees

With the Explore Account you’re always in control of what you pay with a flat €6 monthly fee for maintaining the account. There are no day-to-day transaction or contactless fees for using your Visa Debit Card, or for other things like Direct Debits and Standing Orders. 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.

Account partners features and benefits are subject to change. See our Fee information document for more.

Important information & assumptions

See our Terms & Conditions and Personal & Business Banking Charges booklet for more information. Available to personal customers over 18. eStatements only.

Read the nitty gritty details.

Switching to the new Explore Account is easy and we’re here to help you along the way. If you open your new Explore Account in-app, once you submit your application, we will send you a welcome email which will include a switch form. When we confirm your account is active, you can drop it in to any permanent tsb branch or post it back using our free post address.

Alternatively, if you haven't yet opened your Explore Account in-app, to switch your current account you can book an appointment in your local branch where we can begin the switch with you in person.

What do I need to open my account?

In order to keep things official, there’s just a few documents we’ll need from you. Whether you’re a new customer of permanent tsb or an existing customer whose personal identification documents are not up to date, you’ll need to provide us with some documentation such as:

  • Proof of ID (to comply with anti money laundering legislation)
  • Proof of address (to comply with anti money laundering legislation)

See our required documents page for more details.

Start your application today

Ways to bank with us

Bank whatever way suits you.

Need more information? Find out more about banking with us
Apple Pay

You have the freedom to securely spend without a €50 limit, touch-free.

How much
could you earn?

10c back as you pay

How many times do you use your card to pay?

Cashback on bills

How much is your monthly bill?

Sky 5% cashback
SSE Airtricity 2% cashback

Save with Circle K

Please fill in all the fields above to get started!

Important information & assumptions
  • A €6 fee for maintaining the account per month will apply which has not been included in the calculation.
  • The information on the calculation above is indicative and may not match your actual earnings.
  • Please refer to the account information on the left hand side of this page for full details of the account.
  • For the 10c Back as you Pay benefit you can earn up to €5 per month.
  • For the Cashback on Bills benefit, a payment by Direct Debit from your Explore Account is required.
  • Explore customers can get 2c off per litre with Circle K. We use the AA National monthly average Petrol and Diesel prices to estimate how many litres you use. Average prices last updated March 2021
  • Account features, benefits and partners are subject to change.
  • No day-to-day transaction fees. Other transaction charges may apply e.g. unpaid items or ATM usage outside the Eurozone.
  • See our Terms & Conditions and Personal & Business Banking Charges booklet for more information. Available to personal customers over 18. eStatements only.

We can get you set up with an overdraft giving you extra flexibility when you need it most

The Nitty Gritty

Read the nitty gritty details about our new Explore Account

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