While safe boxes are available in the market, I know that I need to place my hard-earned money in a trusted banking institution. After all, this will help me manage my finances, teaching me to put my assets in different baskets.
Thanks to the best banks in Ireland, I can start working on being financially secure now. I can also sleep soundly knowing that my assets are in their rightful place.
So if you want to manage your assets well enough, continue reading as I go over reliable banking institutions in the country.
1. Allied Irish Banks
Media credit: @aibireland
Website: https://aib.ie/
Address: 92 Ann Street, Belfast BT1 3AY
Contact Details: 00 353 1 771 2424
Operating Hours: Monday – Friday: 9:00 AM – 5:00 PM; Saturday: 10:00 AM – 2:00 PM
Since 1825, Allied Irish Banks has been a trusted banking and financing partner for both personal and business use.
Here, you can open banking accounts such as savings, and current. You can also reach out to them if you need help with availing credit cards and loans.
You can also get their assistance in securing mortgage plans. In fact, they’re known for personalized lending options and their good competitive rates, making them an ideal choice for first-time home buyers.
For parents out there, you can avail of this bank’s retirement savings products, allowing you to manage your finances even before you plan to retire from work.
What’s great about this bank is that they created a friendly digital platform, making it easy and safe for you to transact online. Their mobile application can be used to transfer money, pay bills, and even manage multiple accounts.
In case you encounter issues with your account, you’ll love that you can easily reach out to their customer helpline via call or chat at any time of the day.
Pro tip: Allied Irish Banks gives their customers five free ATM withdrawals per month. Consider keeping ATM charges to a minimum by planning your cash withdrawals ahead of time.
2. Bank of Ireland
Media credit: @bankofireland
Website: https://www.bankofireland.com/
Address: 27-33 Upper Baggot Street, Dublin D04 VX58
Contact Details: 0818 365 365
Operating Hours: Monday – Friday: 9:00 AM – 5:00 PM; Saturday: 10:00 AM – 2:00 PM
Bank of Ireland, established in 1783, has been one of the go-to places for corporate and personal finance in the country.
Here, you can open savings accounts, and checking accounts. They also offer insurance, and loans to help you manage your finances well.
You can even avail of their mortgage program called MortgageSaver wherein you can directly save for a mortgage.
If you’re a business owner, you’ll love that you can maximize their digital services for availing business loans and managing your payroll system.
Speaking of digital, you’ll love that you can use their mobile application to safely pay your bills, and transfer money. We also think that you’ll enjoy utilizing the application’s saver feature where you can set and track your personal monthly savings goal.
When it comes to customer service, you can directly talk to a representative on-site or call via hotline. While customer service isn’t available 24/7, credit card-related concerns are prioritized at any time of the day.
Pro tip: If you find yourself overspending, consider adjusting your contactless spending limit in Bank of Ireland’s mobile application.
3. Ulster Bank
Media credit: @ulsterbankni
Website: http://www.ulsterbank.co.uk/
Address: 11-16 Donegall Square East, Belfast, BT1 5UB
Contact Details: 0345 742 4365
Operating Hours: Monday – Friday: 9:00 AM – 5:00 PM; Saturday: 10:00 AM – 2:00 PM
Another bank in Ireland with a user-friendly digital platform is Ulster Bank. Here, you can open savings and checking accounts, including credit cards.
If you want to secure your future and ensure that you won’t be a burden to your loved ones, you’ll be glad to know that this bank can help you secure a life insurance plan that’s perfect for your goal and lifestyle.
For those of you who want to add more security to your mobile application, you can activate your face recognition, allowing you to access all your accounts easily and securely.
What’s great about this bank is that you can get a personal loan to help manage your monthly finances. They will even share money-saving ideas for you.
Moreover, you’ll love that their application is straightforward, minimizing unnecessary documents, especially if you have a good bank standing.
Meanwhile, for our old-school bankers out there, you’ll appreciate that there are multiple branches that you can visit across Ireland, allowing you to talk to bankers in person.
And if you’re planning to buy a new home, you’ll love that they have flexible mortgage terms, which makes you explore the best and most convenient option for you.
Pro tip: If you’re planning a trip abroad but don’t want to touch on your current savings, consider availing Ulster Bank’s holiday loan. You can access their loan calculator to manage your budget accordingly.
4. Permanent TSB
Media credit: @ptsbireland
Website: https://www.ptsb.ie/
Address: 56-59 St Stephen’s Green, Dublin 2, D02 H489
Contact Details: 00 353 1 655 0581
Operating Hours: Monday – Friday: 9:00 AM – 5:00 PM; Saturday: 10:00 AM – 2:00 PM
Permanent TSB offers both individuals and companies financial and banking services such as saving accounts, debit and credit cards, mortgages, and insurances in Ireland.
You’ll love that they have different saving account programs that will help you diversify your funds. Some of the programs you can avail of are their home savings, education, car, and even wedding!
When it comes to opening a savings account, you’ll love that this bank will guide you in choosing the right account according to your goals and spending patterns.
You can avail of their regular savings account or opt for a fixed-term deposit account that’ll require you to commit to your savings. Even better, this bank allows you to open certain savings accounts online, saving you a trip to the bank!
Pro tip: If you’re near the post office, consider withdrawing money from here—free of charge. This will also save you a trip to a Permanent TSB ATM.
5. KBC Bank Ireland
Media credit: @ekg2009
Website: https://www.kbc.com/en/kbc-ireland.html
Address: Sandwith Street Upper, Dublin, D02 X489
Contact Details: 01 961 9800
Operating Hours: Monday – Friday: 9:00 AM – 5:00 PM
For those of you who prefer more traditional banking services for either personal or business use, then KBC Bank Ireland is for you!
If you’re a small business owner or even a start-up business, you can take advantage of this bank’s business loans. They can also help you manage your cash flow.
When it comes to personal banking, you can choose your savings and current accounts, including credit cards. Meanwhile, mortgages and re-mortgages are also offered in this bank.
Pro tip: KBC Bank Ireland charges extra fees for physical bill statements they send monthly. Consider switching to digital statements instead, allowing you to access it through your email without a fee.
6. Danske Bank
Media credit: @danskebankuk
Website: https://www.danskebank.ie/
Address: International House, 3 Harbourmaster Pl, International Financial Services Centre, Dublin 1, D01 K8F1
Contact Details: +353 (0) 1 655 0200
Operating Hours: Monday – Friday: 9:00 AM – 5:00 PM
Since 1871, Danske Bank has been known as the leading bank for retail and corporate banking. If you’re a business owner, you’ll love that they can become your partner in your day-to-day operations, including payrolls and cash management.
Here, you can take advantage of their low-interest business loans, allowing you to expand your business with ease. They can also help you manage your credit lines, perfect for purchasing business-related assets.
What’s great about this bank is that they remain transparent to their clients, making economic results visible on their website for public consumption.
Danske Bank is also known for high-profit individuals in Ireland, allowing clients to have a more personalized approach when it comes to tax advisories and wealth planning.
Pro tip: If you own a small business, consider enrolling at Danske Bank’s automated payroll to minimize risk payment errors and delays.
7. Educational Building Society (EBS)
Media credit: @ebs_ireland
Website: https://www.ebs.ie/
Address: National College of Ireland, Mayor Street Lower, International Financial Services Centre, Dublin 01, D01 Y300
Contact Details: +353 1 859 0818
Operating Hours: Monday – Friday: 10:00 AM – 4:00 PM
If your banking needs are more focused on getting mortgages and managing your savings then Educational Building Society (EBS) should be your go-to institution.
First-time home buyers rave about this institution’s friendly fixed and variable mortgage rates, allowing them to be stable while they’re on their road to purchase a new home.
Meanwhile, if you want to build your new home, you can avail their self-build mortgage plans. This will allow you to borrow money according to the current construction phase, letting you space out your finances well.
On the other hand, if you have little kids in the family, you can teach them to save early by availing the bank’s children’s savings account, making them familiar with the value of saving money.
Pro tip: Consider asking for the Educational Building Society’s flexible prepayment terms if you suddenly encounter financial difficulties during your mortgage terms.
8. Rabobank
Media credit: @rabobank
Website: https://www.rabobank.com/
Address: 76 Sir John Rogerson’s Quay, Grand Canal Dock, Dublin, D02 C9D0
Contact Details: +353 1 669 0030
Operating Hours: Monday – Friday: 9:00 AM – 5:00 PM
If you’re into food and agribusiness in Ireland, then Rabobank should be your go-to banking institution. Here, you can avail their financial services such as corporate banking, treasury, and trade finance.
For agribusiness, you can conveniently take advantage of the bank’s asset-based lending and project financing.
Meanwhile, if you own a large corporation, you can also seek their assistance when it comes to cross-border trades as they may have good connections with various resources related to your brand.
Pro tips: If your business benefits from energy transition, consider resources being shared by Rabobank on their website. For those who are planning to expand their agribusiness internationally, consider Rabobank’s export financial plans, helping you manage your cash flow well.
9. N26
Media credit: @n26
Website: https://n26.com/en-eu
Address: P.O. Box 559, Dublin 1
Contact Details: +353 768 887 666
Operating Hours: Monday – Sunday: 7:00 AM – 11:00 PM
If you don’t mind dealing with a digital-only bank then you can opt for N26’s banking solutions in Ireland. Yes, there are no physical branches so make sure you’re totally comfortable with that before creating an account.
Here, you can open a current account that allows you to get access to a Mastercard debit card. You can activate this through your mobile application, allowing you to use your funds anywhere you are.
If you’re a frequent traveler, you can prioritize their premium accounts which will allow you to avail of their travel insurance, including foreign exchange transactions for free.
What’s great about N26’s mobile application is that you can utilize their sub-account tools that will allow you to set aside your budget by creating separate pockets within the application.
Additionally, you can also lock and unlock your debit card through the mobile application, giving you more control over your account’s security.
Pro tip: Maximize N26’s affiliation with contactless payment providers by linking your Apple Pay and Google Pay.