Information last changed: 11 July 2024.
8 Ways to Get Free Day-to-Day Euro Banking
1. Free banking* if you meet age conditions:
Aged 12-17 - PTSB, AIB, BoI - No Fees*
Student - BoI, AIB, EBS and PTSB - No Fees*
Graduate - AIB, BoI and EBS - No Fees*
Aged 60+ - EBS - No Fees*
Aged 66+ - PTSB, EBS, BoI, AIB - No Fees*
*No euro debit card fees, no euro ATM usage fees and no maintenance fees. No conditions attached. FX fees apply to non-euro transactions.
2. Free banking* but basic service with no app, no mobile payments, no online direct debit set up:
EBS - Money Manager - No Fees*
*No euro debit card fees, no euro ATM usage fees and no maintenance fees. No conditions attached. FX fees apply to non-euro transactions.
3. Free banking* and free/low cost FX** but no branch cash service and free ATM usage limits***:
Revolut - Standard - No Fees* if inside limits***
N26 - Free - No Fees* if inside limits***
Monese - Simple - No Fees* if inside limits ***
*No euro debit card fees, no euro ATM usage fees within limits*** and no maintenance fees.
** No FX fee fees up to certain limits but certain FX fees apply at weekends.
*** Revolut give free ATM withdrawals up to €200 per month but only for the first 5 withdrawals below this limit, N26 give 5 free ATM withdrawals per month and Monese give free ATM withdrawals up to €200 per month.
4. Free banking* but only if you have a mortgage with the bank:
AIB - Current Account (with mortgage) - No Fees*
*No euro debit card fees, no euro ATM usage fees and no maintenance fees. FX fees apply to non-euro transactions.
5. Free banking* but only if you use your debit card at least 50 times per month** and spend at least €20 per month on Sky***:
PTSB - Explore Current Account - €8 per month less cashback*
*€8 maintenance fees which can be offset by using your debit card 50+ times per month and spending at least €20 with Sky or SSE Electricity. FX fees apply to non-euro transactions.
** 5 cent cashback per usage up to €5 max.
*** 5% cashback with Sky.
6. Free banking* but very basic service and only for the first 12 months and only for those that do not hold another bank account in Ireland and some services are restricted:
AIB - Basic Bank Account - No Fees*
Permanent TSB - Basic Payment Account- No Fees*
Bank of Ireland - Basic Bank Account - No Fees*
*No euro debit card fees, no euro ATM usage fees and no maintenance fees. No conditions attached. FX fees apply to non-euro transactions.
7. Free banking and low cost FX by combining EBS with Revolut or N26 or Monese and using EBS for ATM usage:
EBS: No euro debit card fees, no euro ATM usage fees and no maintenance fees. No conditions attached. FX fees apply to non-euro transactions. No app, no mobile payments.
Revolut, N26: Monese: No euro debit card fees, and no maintenance fees but free ATM usage fees apply. No FX fee fees up to certain limits but certain FX fees apply at weekends. App and mobile payments supported.
8 Ways to Get Free Day-to-Day Euro Banking
1. Free banking* if you meet age conditions:
Aged 12-17 - PTSB, AIB, BoI - No Fees*
Student - BoI, AIB, EBS and PTSB - No Fees*
Graduate - AIB, BoI and EBS - No Fees*
Aged 60+ - EBS - No Fees*
Aged 66+ - PTSB, EBS, BoI, AIB - No Fees*
*No euro debit card fees, no euro ATM usage fees and no maintenance fees. No conditions attached. FX fees apply to non-euro transactions.
2. Free banking* but basic service with no app, no mobile payments, no online direct debit set up:
EBS - Money Manager - No Fees*
*No euro debit card fees, no euro ATM usage fees and no maintenance fees. No conditions attached. FX fees apply to non-euro transactions.
3. Free banking* and free/low cost FX** but no branch cash service and free ATM usage limits***:
Revolut - Standard - No Fees* if inside limits***
N26 - Free - No Fees* if inside limits***
Monese - Simple - No Fees* if inside limits ***
*No euro debit card fees, no euro ATM usage fees within limits*** and no maintenance fees.
** No FX fee fees up to certain limits but certain FX fees apply at weekends.
*** Revolut give free ATM withdrawals up to €200 per month but only for the first 5 withdrawals below this limit, N26 give 5 free ATM withdrawals per month and Monese give free ATM withdrawals up to €200 per month.
4. Free banking* but only if you have a mortgage with the bank:
AIB - Current Account (with mortgage) - No Fees*
*No euro debit card fees, no euro ATM usage fees and no maintenance fees. FX fees apply to non-euro transactions.
5. Free banking* but only if you use your debit card at least 50 times per month** and spend at least €20 per month on Sky***:
PTSB - Explore Current Account - €8 per month less cashback*
*€8 maintenance fees which can be offset by using your debit card 50+ times per month and spending at least €20 with Sky or SSE Electricity. FX fees apply to non-euro transactions.
** 5 cent cashback per usage up to €5 max.
*** 5% cashback with Sky.
6. Free banking* but very basic service and only for the first 12 months and only for those that do not hold another bank account in Ireland and some services are restricted:
AIB - Basic Bank Account - No Fees*
Permanent TSB - Basic Payment Account- No Fees*
Bank of Ireland - Basic Bank Account - No Fees*
*No euro debit card fees, no euro ATM usage fees and no maintenance fees. No conditions attached. FX fees apply to non-euro transactions.
7. Free banking and low cost FX by combining EBS with Revolut or N26 or Monese and using EBS for ATM usage:
EBS: No euro debit card fees, no euro ATM usage fees and no maintenance fees. No conditions attached. FX fees apply to non-euro transactions. No app, no mobile payments.
Revolut, N26: Monese: No euro debit card fees, and no maintenance fees but free ATM usage fees apply. No FX fee fees up to certain limits but certain FX fees apply at weekends. App and mobile payments supported.
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