The account will be available to personal customers aged 18 and over.
Search “PTSB” in the Apple App Store or Google Play Store and download. Select “Current Account Application”, enter your basic information, verify your ID and address and submit your application in app.
To apply in app you have to be over 18, resident in the Republic of Ireland and opening:
*If one or both of you are already customers with PTSB, you will need to attend a PTSB branch to open your account. We are working hard to bring Joint Current Account opening to the app for our existing customers soon.
If you are an existing customer looking to open a new joint Current Account or would just prefer to open an account in Branch, you can book an appointment here.
Please see here for more information on our Explore Current Account.
For a list of documents required to open your Explore Account please click here.
Yes, a contactless Visa Debit Card is available on this account. Once your account is open and active, your Visa Debit Card and PIN will issue in the post. Your card will arrive in 5-7 working days and your PIN in 3-4 working days.
Yes, it is possible to have a chequebook on the Explore Account – it is not automatic and you must place an order and the cheque book will be issued to you via Post. You can order a cheque book via Open24 or any PTSB ATM. Government Stamp duty of €20 will be deducted from your account upon ordering a cheque book.
There are only eStatements available with the Explore Account. To find out how to register for, view and download eStatements in the PTSB mobile banking app check out our FAQ page.
With effect from 6 December 2021, all newly issued bank account eStatements on Open24 or in-app will be available for up to 2 years from the statement issue date for open accounts. Bank account eStatements issued prior to 6th December 2021 will continue to be available for a maximum of 15 months from the statement issue date for open accounts.
If you wish to request a paper statement you will need to call us on 0818 502 424 or +353 1 212 4101; Monday to Friday, 9am – 5pm (excluding bank holidays) or Saturday & Sunday, 10am – 2pm. Please note: paper statements are viewed as a duplicate statement and have a charge of €2.50 per page, capped at €20 per individual account request.
Yes, you can open a new Explore Account in-app. Please see our Explore account page for more information.
There is a €8 fee for maintaining the account which will be applied on the first working day of each month. There are no ‘day to day’ transaction fees for using your Visa Debit Card or Direct Debits and Standing Orders. There may be other charges for things like Government Stamp Duty on your bank card, unpaid items or if you use an ATM outside the Eurozone. Please see our full Personal & Business Banking Charges Booklet for more details.
ATM transaction charges will apply on Euro withdrawals outside the EU and on all non Euro withdrawals at 3.5% of the Euro value of the transaction (min. €3.17 & max. €11.43). A fee for using your Debit Card for purchases in foreign currency and on all debit transactions outside the Eurozone will apply at 1.75% of the Euro value of the transaction (min. €0.46 and max €11.43).
A monthly fee for maintaining the account of €8 will be deducted automatically on the first working day of each month.
5c back as you pay is automatic and once you activate your Visa Debit Card you will avail of this feature capped at €5 per month.
Cashback on bills is automatic on your account as long as you pay a bill by Direct Debit with one of our Direct Debit partners. Whether you’re a new customer, or already have an account with our partners you can avail of this exclusive deal when you pay by Direct Debit from your Explore Account.
5c back as you pay – cashback can be lodged to the Explore Account on the first working day of each month. Alternatively you can nominate another account in Open24 or at your local branch.
Cashback on bills - cashback can be lodged to the Explore Account on the first working day of each month. Alternatively you can nominate another account in Open24 or at your local branch.
*Circle K will be discounted at point of sale and the Direct Debit will be taken from your Explore Account
There will be a My Rewards tab within your Open24 where you can view cashback earned as well as cashback due.
Yes, this feature is capped at €5 per month.
No, 5c back as you pay is limited to point of sale, contactless, Apple Pay, Google Pay and online transactions. ATM or Branch withdrawals do not apply.
No, when making a transaction you will still pay the full amount. You will receive the cashback on the first working day of each month.
Each Direct Debit partner is offering a certain percentage. This is not capped; you will receive the qualifying percentage off your full Direct Debit paid.
No, your Direct Debit will bill for the full amount and you will receive your cashback on the first working day of each month.
Circle K works differently - your 4c discount is taken at point of sale with your Circle K fuelcard and you will receive a Direct Debit for the total amount minus your discount.
Once you open your account you will receive a unique code to register for your Circle K fuelcard. Once you register, your fuelcard will be posted to you.
You can register for Circle K Fuel Card on Explore More which will be available in your Open24 Online Banking or simply go to www.fuelcard.ie/fuelyouraccount/
