Take control

In order to keep things official, there are just a few documents we will need from you.

• ID verification, like your passport
• Address verification, such as a utility bill
• Information about your non-Irish tax residency (where applicable), including Tax Identification Number(s).

Find out more about the documents required to open a Current Account here. 

Apply in app

You can apply for permanent tsb's award-winning Explore Account by downloading the permanent tsb app, selecting the “Current Account Application” icon and following the instructions.

To apply in app you have to be over 18, a resident in the Republic of Ireland and be a:

• New or existing permanent tsb customer opening a sole Current Account in your own name
• New permanent tsb customers opening a Joint Current Account*

*If one or both of you are already customers with permanent tsb, you will need to attend a permanent tsb branch to open your account. We are working hard to bring Joint Current Account opening to the app for our existing customers soon.

Opening a Joint Current Account in-app?

Step 1: Customer 1 starts the application, provides their basic information and uploads documents to verify their identity and is asked to invite Customer 2 to join the application

Step 2: Customer 2 receives an email invite to join the application, provides their personal details and uploads their documents to verify their identity.

Step 3: Once Customer 2 completes their step, Customer 1 is notified to log back in, review and submit the full application.

Find out more about the Explore Account.

Once your Current Account is active you will need to register for Open24 Online Banking. When you open your account in-app we will send you a text to complete your Open24 registration. Find out more about Open24 Online Banking here.

Move funds to your new Current Account. Once your new account is open, you can lodge money, either as an Electronic Funds Transfer (EFT) or at a permanent tsb branch.

Move your salary and other regular payments to your new account

• If you are employed, you must inform your employer as soon as possible of your new account details by providing them with your permanent tsb BIC and IBAN details.
• You should also make sure that any other regular credits that are made to you go into your new account (such as child benefit, maintenance payments, pensions or share dividends).
• If your employer or another organisation wants written confirmation of your new account details, you can complete and send them a Credit Transfer Request Form.

Review outgoing payments

Review your recent statements from your “old” bank and identify all regular outgoing payments that you need to update with your new account details. Some of these payments could be:

• Mortgage repayments
• Rent
• Utility bills

Set up Standing Orders and payees

Set up all new Standing Order and payees quickly using Open24 online banking. You will have to complete this on a desktop.

Direct Debits and Recurring Debit Card Payments

Contact any companies you pay by Direct Debit to update your new account details

Update any subscriptions or other automatic debit payments you may have (such as Netflix) or accounts you may have added your card details to (e.g. ASOS), with your new permanent tsb Visa Debit card details.

Close your old account

Now that you’ve let everyone know that you’re moving your Current Account, it’s time to close your old account and start making the most of your new permanent tsb account.

Transfer remaining balance

Don’t forget to transfer any remaining balance from your old account to your new account.

When your new account is up and running, review your old bank account and look for a time on your account that has the least amount of activity i.e. a period where there is no Salary, Other Credits, Standing Orders or Direct Debits. This is normally towards the end of the month.

This will allow you time to complete Steps 1 -3 above.

If there are payments going out of your account throughout the month and there are no clear dates to start moving your account, there are a couple of things you can consider for both Direct Debits and Standing Orders:

Direct Debits

• Contact your Direct Debit provider to see if they can change the Direct Debit to a different date to ensure you do not miss a payment; or
• Cancel the impacted Direct Debit with the company directly and make a manual payment for when the payment is due. You will then need to set up a new DD mandate with the company for any future payments from your new permanent tsb account. 

Please note: This option (cancelling), will not be possible for all companies and will need to be checked with the business the Direct Debit is for e.g. cancelling a DD on your Life Assurance or Health Insurance may be considered a break in your contract and it could impact your cover.

Standing Orders

• Amend the date the SO is due to be debited from your old account.
• Cancel the SO and make a manual payment. You can then set up a new SO on your new permanent tsb account through Open24 online banking on desktop.

Please note: As per above, you would first need to confirm this does not impact any Terms you have agreed to e.g. you may have an SO set up as a loan repayment.

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. 

Open24 is the name of our online banking service. You can access your online banking on desktop at Open24.ie or by logging in on your mobile phone via the permanent tsb app.

You can view your balance, recent transactions and so much more. Our Online Banking page will provide you with more information.

When you open your account in-app, once it is active you will receive a text to prompt you to return to the app and complete your registration.

Otherwise, when you receive your Visa Debit card give us a call on 0818 50 24 24 or +353 1 212 4101 and we’ll set you up on Open24.