After starting an in-app application, you have 30 days to submit your application, in-app. After this period, your application will expire and you will need to start a new application.
Your application is saved at certain points during the journey and can be resumed later at a time that is convenient for you.
Once you have created your Personal Access Number (PAN), you can log back in to resume your application with your mobile phone number and the Personal Access Number (PAN).
When you start your application in app, you will be asked to select your PAN. This is the 6 digit number. You will need your PAN to resume your application (with your mobile number) and you will also need it in order to complete your registration for access to your Open24 online banking.
In order to open a joint Current account in app you must be a new customer. If you are a new customer you can complete the below to progress an application.
Search “ptsb” in the Apple App Store or Google Play Store and download.
Open the app
Select “Current Account Application”, enter your basic information, verify your ID and address and submit your application in app.
To apply in app you both have to be over 18, resident in the Republic of Ireland and are:
Top Tip! New PTSB customers wishing to open multiple accounts should progress a joint Application first, then a sole Application as an existing customers once complete.
If one or both of you are already customers with PTSB, you will need to attend a PTSB branch to open your account. 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.
Please see here for more information on our Explore Current Account.
If one or both of you are already customers with PTSB, you will need to attend a PTSB branch to open your account. 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.
Alternatively, a Joint Current Account can also be opened in app by one account holder. It is then possible to add a second account holder at a later stage in branch. The account will then be a Joint account.
Here are the steps to follow if you want to avail of this option:
The second account holder will first need to go to a branch to set up a “customer profile”. They will need to bring photo ID and proof of address – see this list for what documents we can accept. Our customer service advisor will take their personal information and copies of ID documents before sending them to our AML department. Once their profile is set up and active, both account holders can then return to the branch as per step 2 a..
Note: You can create a personal profile or be added to an account in any branch.
This allows PTSB to contact you during the application process to support you and keep you updated on your journey.
Application consent is only relevant to your specific application and not for marketing purposes. You will be asked to provide Marketing Consent, you can select how you would like to stay informed about of our products and services later in your application.
In order for you to open an Explore Account in-app, you will require an Irish or UK mobile phone number.
If you don’t have an Irish or UK mobile phone number, you can open an Explore Account at any of our branches. You can make an appointment here.
We will use the personal data you provide in this online application form to process your application, set up and manage your account.
For more information on how we use your personal data, and your rights in relation to your personal data, please visit our Data Protection webpage.
If you have more than one Non Irish/Non US tax residency, you won’t be able to proceed with opening your Explore account in-app but you may still be entitled to open an Explore account at one of our branches. Please call 0818 50 24 24 to discuss and make an appointment.
In order to comply with Anti Money Laundering (AML) legislation, you are required to provide a valid proof of address to validate where you live and valid photo ID in order to verify your identity. There are only certain document types we can accept. In order not to delay your application, please refer to this list for documents we can accept.
As per our eligibility criteria, applicants who apply for a digital current account must be resident in the Republic of Ireland and physically located in Ireland at the time of application. Your device location information is required to confirm that you are physically based in Ireland at the time of application. This information will be obtained at initial application stage with your permission on a once off basis and will not be used for any other purpose.
There are a few reasons your documents might not be accepted:
Please follow these tips to ensure your documents are accepted:
If your document is still not accepted please try using an alternative valid ID.
Your selfie may not be accepted due to the photo not being readable by the app. Here are some tips to ensure you get a clear selfie photo that will be accepted:
We were unable to verify your document through the app, you will need to make an appointment using the in-app appointment booker to come into the branch in person. Please make sure you bring acceptable documents as listed here. You have 28 days to provide the branch with your documents, after this time your application may be cancelled.
You have a maximum of three attempts to take a selfie, if we are unable to match your selfie against the photo ID document you are providing, you will not be able to continue with your application in app and you will have to make an appointment to open your account in branch. You can make an appointment here.
We will review your application details, photo ID and proof of address documents that you have uploaded. As soon as this review is successfully completed and your account is ready to use, we will send you a text message to resume your journey in-app and complete the last remaining steps. Please refer to the “Welcome” email you will receive when you submit your application which will also include an overview of what happens next.
Important: If you received a message in-app that we were unable to verify your documents, you will need to make an appointment using the in-app booker to provide your documents in person. You will still receive your “Welcome” email but we will not be able to progress your application until you attend the branch.
If all is in order with your application, you will receive a text message advising that your account is active within 3 working days.
Alternatively, if additional supporting documentation and/or information is required you will receive a phone call from our team.
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 PTSB 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.
Getting set up is simple, please see our Apple Pay page for the steps on how to add your new card to Apple Pay.
We outline how to you can set up Google Pay for your new card here.
We will use the personal data you provide in this online application form to process your application, set up and manage your account.
For more information on how we use your personal data, and your rights in relation to your personal data, please visit our Data Protection webpage.
Some transactions made on Open24.ie desktop need to be secured by strong customer authentication. This involves completing two steps so that security is enhanced. To enable this we need to be able to send a push notification to your PTSB mobile app so that you can verify that you created the request.
If you do not allow push notifications for PTSB on your mobile phone, you may not be able to complete some secure transactions initiated on Open24.ie desktop.
You can enable push notifications at any time through your device settings.
There are a few scenarios where your address may not be found. Please see below the guidelines for each of them.
If you tried all the scenarios above and your address is still not populating in the dropdown menu, you may still be entitled to open an Explore Account at one of our branches. Please call 0818 50 24 24 to book an appointment.
The name on your proof of address must match the name on your ID.
If you do not have a proof of address which matches your ID you may still be able to open an Explore Account at any of our branches. Please call 0818 50 24 24 to book an appointment.
If you do not remember the exact date you moved into your property, please provide the nearest date possible.
Please make sure your document follows the criteria below:
If you are still having issues uploading an acceptable document, please call 0818 50 24 24 to book an
appointment in any of our branches.
If your nationality is different to your place of birth, you should use your passport for ID verification. If your nationality needs to be updated you can change this by presenting your passport at any branch. Please call 0818 50 24 24 to book an appointment.
No, the document you supply for address verification does not need to display your Eircode in order to be accepted.
If you have more than one Non Irish/Non US tax residency, you will not be able to proceed with opening your Explore account in-app but you may still be entitled to open an Explore account at one of our branches. Please call 0818 50 24 24 to speak to us and book an appointment.
We only accept ID with a Surname in-app. You can open an Explore Account at any of our branches. Please call 0818 50 24 24 to book an appointment.
