How to set up banking in Ireland and Australia as an expat — what to open before you land, what you'll need when you arrive, and the best services for transferring money between the two countries.
Moving to Ireland?
Open Revolut from Australia before you fly. Apply for an AIB or Bank of Ireland account online when you have your PPS number (first week).
Moving to Australia?
Open a CommBank or ANZ account from Ireland before departure — just passport needed. Apply for your TFN on day 1.
Best overall for expats
Open from anywhere before you arrive. No FX fees. Instant setup. Required reading: get this before you land.
Best for payroll & mortgages
Largest Irish bank. Requires PPS number and proof of address. Can start online application with work permit.
Strong branch network
Required for some payroll setups. PPS number needed. Good mobile app.
No-fee EU banking
German bank with Irish IBAN. No maintenance fees. Good for everyday banking without a PPS number initially.
Best for sending money home
Not a full bank but essential for transferring money between Ireland and Australia at real exchange rates.
Most popular for new arrivals
Can open account with passport from overseas — no TFN needed initially. Pick up card on arrival. Largest ATM network.
No international transfer fees
NAB Global Currency Account has no fees on international transfers. Good for receiving wages from overseas.
Strong for working holidaymakers
Popular with Irish WHV holders. App is solid. Can open before you land.
No monthly fees
No monthly account fees. Good for everyday spending. ATM fee rebates.
Best for sending money to Ireland
Real exchange rate, low fees. Essential for sending AUD back to Ireland or vice versa.
Both apps work globally and can be set up from Ireland or Australia before you land. Use them from day one for FX-free spending.
Most Irish employers pay into AIB or BOI accounts. Most Australian employers need a Big 4 bank account for payroll. Open one in your first week.
Airport FX desks typically offer 10-15% worse rates than Wise or Revolut. Load up before you travel or use your card from the start.
In Australia, without a Tax File Number your employer withholds 47% tax. In Ireland, your PPS number is required for most bank account applications.
While waiting for a traditional bank account (can take 1-2 weeks), Revolut or N26 bridge the gap — you'll have an account number immediately.
If sending money home regularly, set up a Wise recurring transfer. Much cheaper than letting your bank do it at their rates.