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The A to Z Guide to Bank Fees

The complete list of bank fees and charges in Ireland.

There are a number of fees that banks charge you in Ireland. We’ve put together an A to Z guide to bank charges in Ireland, covering everything from ATM withdrawal fees and overseas payments to fee waivers, so you can know what to expect.

A to Z guide to bank charges in Ireland


ATM withdrawals

  • Domestic. A handful of Ireland banks charge around €0.25 to €0.35 for domestic ATM withdrawals, while with others it’s free. In addition to any charge from your bank, a government stamp duty of €0.12 applies to ATM withdrawals. This fee is capped at €2.50 for ATM cards and €5 for combined (ATM and debit) cards.
  • Overseas. It’s no secret that using an overseas ATM is expensive, usually an average cost of 3.5% of the transaction value. Withdrawals and balance enquiries can be charged differently. The local ATM operator may also charge a fee.


  • Chequebook issuing fee: This is usually around €0.20 per cheque, so €5 per chequebook of 25.
  • Cheque lodgement via machines: Some banks let you do this for free, some charge a fee of up to €0.25.
  • Cheque processing fee: These usually cost between €0.20 and €0.80.
  • Government stamp duty: There is also a €0.50 stamp duty charge on each cheque, which you’ll pay when you’re given a chequebook (€20 for a book of 40 cheques). If you then have any unused cheques, send them back to your bank and you should get a refund.

Closure fee

Although it’s almost always free to close your bank account, you will need to pay any outstanding maintenance or transaction fees and also clear your overdraft balance.

Contactless spending

Some Irish banks will charge you for each contactless purchase you make. There is also a limit of €50 per contactless transaction.

Coin counting

Some banks will count your coins for free, while others may charge a handling fee of 5% of the value of the submitted euro coins.

Credit cards

  • Late fee. If you’re late or you pay less than the minimum monthly amount, you’ll be charged a late fee, which could be as high as €30.
  • Returned payment fee. If your bank returns your card payment, your credit card issuer will charge a returned payment fee and your payment will still be due.
  • Balance transfer fee. This will be charged whenever you transfer a balance from one credit card to another. It is either a flat fee or a percentage of the balance that you transfer, whichever is greater (for example the greater of €5 or 3% of the balance transfer).
  • Cash advance fee. The average fee for using a credit cash advance facility is 1.5%. Depending on your credit card terms, this is likely to include ATM withdrawals, transactions that result from overdraft protection, and other cash equivalent transactions, like buying a money order or foreign currency.

Debit cards

  • Government stamp duty: There are charges to use your debit card within Ireland (excluding Northern Ireland). You will be charged €0.12 per withdrawal up to a maximum of €5 per year. These are charged each January for the previous year.
  • Transaction fees. Irish banks often impose a fee for all debit card transactions, which is typically around €0.20 per transaction.
  • Additional card issue fee. Different from a replacement card request, you can sometimes have more than one debit card linked to your transaction account at a time. For example, AIB provides the first two debit cards for free, while Bank of Ireland lets you have three additional cardholders for free. Other banks charge between €3 and €10.
  • Replacement fee. Somewhere in the €3 range, it’s different for some debit card providers, and the debit card replacement fee can be higher if you’re ordering a card from overseas. You should be able to get this fee waived if it’s stolen and you can produce a police report.

Direct debits

These are free from most accounts when transferring online, but some may charge a fee of up to €0.20. Some banks even give you cashback on particular direct debits, such as permanent TSB‘s Explore account.

Discharge costs

For breaking a fixed-rate mortgage, an early repayment adjustment and early repayment fee are charged.


      Foreign currency conversion fee

      You’ll almost always be charged a currency conversion, or foreign transaction, fee when you spend in foreign currency. This fee will be on top of any other charges and ranges from around 1% to 3%. However, some of the online banks including N26 and Revolut don’t currently charge a fee, so check out your options first.

      Foreign exchange rate margin

      Banks add a margin to the foreign exchange rate when you send money overseas, buy foreign currency or load a travel card. This margin can be as much as 3%-5% over the interbank rate.


      International money transfers

      The fees for sending money to a bank account in another country. Your transfer is going through multiple banks, so each one may take a fee.

      1. Sender’s bank fees. Your bank will let you know how much these fees are upfront. In Ireland, this fee ranges from €5 to €25, depending on the bank.
      2. Corresponding bank fees. These fees come from the banks your money is sent to along the SWIFT network to your recipient. While your bank may warn you about these, it can sometimes be unclear how much they are.
      3. Exchange rate margin. Banks and most money transfer services add a margin to the exchange rate to cover their own fees. This margin can vary depending on your payment method and currency, but banks tend to add more than specialist transfer services.
      4. Recipient’s bank fees. Depending on the bank, there may be fees for the beneficiary to receive the transfer. When you initiate your transfer, you’ll often be given the choice of paying these fees yourself or having them deducted from the receiver’s funds.

      The fact is, if you’re looking to send money overseas, you can get a far better deal using a specialist money transfer service.

      Issue fees

      Credit cards, personal loans, travel cards and overdraft accounts all come with issue fees. You can compare products to find a no-issue fee product; however, this isn’t always the best option.


      Late payment fee

      Applies to credit cards, overdrafts and other credit products. A fee is charged when you miss the minimum payment date.


      Maintenance fees

      These are charges by banks for maintaining your account. Typical fees range from around €2 to €6 a month, or €4.50 to €15 a quarter. While a lot of Irish banks charge these fees, it’s possible to find ones that don’t, or some that might waive charges for a fixed amount of time, so do your research and shop around beforehand.



        The cost of going into your overdraft can vary a lot between banks, meaning you can avoid paying extra with certain current accounts. Some providers will charge an overdraft set-up fee – usually around €20 – while others won’t.


          Returned item fees

          Also known as a non-sufficient funds (NSF) or insufficient funds fee, a bank can charge a returned item fee because of a failed or returned transaction. This usually happens when there isn’t enough money in the account to pay a given transaction, and for those Irish banks that do charge it (as not all do) the fee is about €3.


          Additional statements

          Some banks may charge about €2.50 when you want a second copy of your last statement. This fee might be higher or lower depending on your statement request.


          Telephone banking

          Some banks might charge you a small fee for telephone banking transactions – AIB, for example, charges €0.20.



          While not a fee, waivers come in all shapes and sizes. You can get a waiver on a particular product if you’re a customer of the bank, and everyday bank fees like overdrawn fees, ATM fees and monthly fees can be avoided by being savvy about your choice of bank account. There are even accounts that give you cashback when you spend. Compare bank accounts to find a fee-free bank account for you.

          The fees and charges listed in this guide to bank charges in Ireland are current at the time of writing and subject to change.

          Compare a range of no-fee accounts in Ireland

          Name Product Maintenance fee Fee period ATM transaction fee
          VIALET Current Account
          €2 + 2% per withdrawal
          An IBAN account you can use to manage your money and spend in over 200 countries worldwide, fee-free.
          N26 Bank Account
          €2 per withdrawal
          Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
          Wirex Standard
          2% per withdrawal

          Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

          Benefit from an array of digital payment features, including a free prepaid Wirex card and unlimited fee-free transfers at interbank rates - with zero monthly subscription fee.
          Wise Multicurrency Account
          €0.50 + 1.75% per withdrawal
          Wise (formerly TransferWise) is an international account with over 50 currencies, instant and very convenient money transfers, a card to spend in any currency, bank details to be paid in 30 different countries and multi-currency direct debits.
          Revolut Standard
          €1 + 2% per withdrawal
          Enjoy no monthly fee, no currency conversion fees up to €1,000 per month and hold an array of currencies in your account.
          AIB Student Account for 2nd Level Students
          A current account for students aged between 12 and 18 years, who are in part time or full-time second level education. If you apply for a debit card, AIB will cover the annual Government Stamp Duty.

          Compare up to 4 providers

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