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Payment Form

For payments outside the EEA, Foreign Currency and payments over €10,000

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If you are looking to make a payment (euro or foreign currency) to an account outside the EEA, or you’re looking to make any payment for amounts over €10,000, you will need to fill out our online payment form before attending your chosen branch to verify your identification and complete the transfer process.

Here’s what you’ll need to do:

  1. Complete our Payment Form.
  2. Attend your chosen Branch with photo ID to validate your payment.

1. Complete our payment form

Before you complete our payment form, make sure you have the following:

  • Destination account details: You'll need the account details of the person you are sending funds to.
  • Your account information: Your account number and sort code.
    • You can find your account number and sort code in your IBAN. The sort code consists of the first 6 digits, starting '990XXX', while the account number is the last 8 digits. Alternatively, you can find this information on the top right-hand corner of your statements, or by logging into the PTSB App.
    • Special Characters: To prevent any issues with processing, please refrain from using special characters throughout the payment form.

For more details on why we request this information, refer to our SWIFT Payments Terms and Conditions.

 
Important information

Payments cannot be facilitated from an Online Savings Account with the Sort Code 990660. You’ll need to transfer the funds to your Current Account and submit the request from this account.

 

Tips for completing the Online Payment Form 

  • Transfers to Australia: Enter the BSB (Bank State Branch) number which consists of 6 digits before the account number in the "account number" field.
  • Transfers to Canada: The correct format is the transit number (consisting of 5 digits) followed by the institution number of 3 digits, then the account number. Enter this full sequence in the "account number" field.
  • Transfers to the USA: For payment in US Dollar, enter the account number in the "account number" field and the "routing number" which consists of 9 digits in the "routing number" field. For Payments to the US in euro, enter the account number in the "account number" field and the beneficiary BIC (Swift Code) in the "BIC" field.

Have questions about filling out the Online Payment Form? View our frequently asked questions. 

 
Important information

Euro payments under €10,000 and within the EEA can be completed online without attending a branch. Follow our step by step guide for making payments through the PTSB App, or through Open24 Online Banking. 

 

2. Attend your chosen branch with your photo ID

  • When completing the payment form, you'll need to choose your preferred Branch to visit for ID validation before we can process your payment. 
  • Please bring a valid photo ID (i.e passport or driver's license) with you when you visit your chosen branch.
  • Certain countries may require additional information to be supplied in branch to process the payment. 

Discover acceptable forms of ID.

 

  • If you have a joint account: If your account only requires one signature, only one party will be required to attend the branch for ID verification.
  • If your account requires two or more signatories for transactions: All necessary signatories will be required to attend branch for ID verification
Important information

To ensure your payment is processed, you must attend your chosen branch for ID verification within 7 calendar days of submitting the payment form, with the day of submitting the form counting as 'Day 1'. Failure to attend the branch will result in non-processing of the payment.  

For foreign currency payments, the exchange rate applied to your payment will be based on the rate the payment is processed, not the day the form is submitted.

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Protect yourself from fraud

PTSB will:

  • Never ask you any online banking passwords over the phone, via email or text message.
  • Never ask you to email or text personal banking information.
  • Never send an email or text message with a link to a page which asks you to enter your online banking log in details.
  • Never ask you to authorise a refund or transfer funds to another account for security.
  • Never ask you to cancel a payment by entering a One Time Passcode, or cancel a request via the PTSB App.
  • Never ask you to carry out a test transaction online.
  • Never provide any banking services through anything other than the bank’s official apps.

 

Do you know the person you are sending the funds to? Are you aware of some of the common Fraud Scams?
  • Investment Scams: High interest return investments, found via social media or sponsored advertisements
  • Romance Scams: Request from a new love interest looking for financial support, investments or travel arrangements.
  • Hi Mom/Dad Scam: Message from a family member to advise they are in trouble and this is their new number
  • Holiday Home Scams: Too good to be true holiday home for rent, asking you to pay for accommodation outside of the normal channels.
  • Contact from Revenue/Gardai/Crime Agency: Advising an urgent requirement to transfer funds due to money laundering/warrants for arrest/internal staff fraud. In some cases customers are asked to remain on the phone in the customers pocket or are given clear instructions not to discuss the payment with their bank or the Gardai.

Have you checked the Central Bank of Ireland’s consumer hub and its list of unauthorised firms for guidance on how to protect yourself from financial scams?

Discover PTSB Protect, our new award winning opt-in feature that adds an extra layer of anti-fraud enhancement. 

If in doubt, stop, think and call your financial institution on the number on the Debit/Credit Card issued by your bank immediately.

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Payment Form Jargon buster definitions

SEPA A payment method used for sending money electronically between European Bank accounts. Commonly used for domestic and cross-border transactions within the Eurozone.
SWIFT A secure international money transfer system used for cross-border transactions.
IBAN International Bank Account Number provided by the customer.
BIC Bank identifier code provided by the customer.
Cross Border Payment A payment method to send money electronically between European Bank accounts, commonly used for domestic and cross-border transactions within the Eurozone.
European Economic Area (EEA) Any member state of the European Union, for the time being, and or any other country to which Regulation (EC) No. 2560/2001 applies.
ABA/Routing Number/Fedwire Number A numerical code assigned to a financial institution that identifies the specific bank or credit union for the purpose of transferring funds. This is normally required for payments to the USA.
Debiting Account/Sending Bank  The customer’s account the funds are being transferred from.
Destination Account Name Name of the recipient who the funds are being transferred to.
Beneficiary Account/IBAN  The receiving bank account details.
Intermediary Bank A financial institution that facilitates transactions between two other banks, typically for the purpose of transferring funds internationally.
Intermediary Bank Details

Refers to the specific information for the intermediary bank that are provided for facilitating international transfers, including:

  • Bank’s name
  • Address
  • Account number/IBAN
  • Routing number
  • BIC/SWIFT code
Intermediary BIC Code Also known as a Bank Identifier Code, is a unique address for banks when they communicate during international transactions.
Bank Sort Code/BSC A numerical code used to identify specific banks and branches used to ensure that funds are directed to the correct bank and branch when it comes to domestic or international transfers.
Payment Reference Number Reference number generated on completion of the PTSB Payment Form.
Transit Number Canadian version of a Bank Sort Code usually consists of 5 digits.
BSB Number Australian version of a Bank Sort Code usually consists of 6 digits.

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Payments and Transfers Questions and Answers

We want to make your payment process as seamless as possible. Here’s a simple guide to understanding key payment terms and addressing common questions.

Learn more
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