Important Customer Notice
Update on Ulster Bank Ireland DAC presence in the Republic of Ireland.
For more information please click here.
Opening an account or applying for a loan
Documents we may need to see before opening your account or approving your loan
When you apply for a bank account we try to verify your details electronically, but sometimes we need to see physical proof. If you apply online or over the telephone we will be in touch if we require any further information from you. You can provide this documentation in one of three ways:
In branch
You'll receive an application pack in the post detailing exactly what documents we require. Simply visit your local branch where your documents will be validated and your application completed.
By post
You can return your documents along with your signed application form using the freepost envelope provided in your application pack. Your identity document will need to be certified first.
It’s important that you only provide documents from the lists below - providing incorrect ID will mean that we will be unable to open your account.
We require one valid and original item from the list below to verify your identity:
- Current valid signed Passport
- Full Republic of Ireland/United Kingdom/Northern Ireland driving licence or provisional licence
- Medical Card (18 and under only)*
* Not acceptable for online applications
- National Identity Card including photograph*
- Garda Identification Form (ML 10 Form)*
- Birth Certificate (18 and under only)*
We require valid and original items from the list below to confirm your address:
Full Republic of Ireland/UK/Northern Ireland driving licence or provisional licence
You can use your driving or provisional license as proof of address provided you have not used it as proof of identification. (Not suitable for online applications.)
Bank, building society or credit card statement
Must be less than six months old. We are unable to accept:
- Store card statements
- Ulster Bank statements
- Duplicate statements
- Credit Card statements showing full 16 digit number
Mortgage statement
Must be less than 12 months old. Excludes Ulster Bank statements.
Utility bill - gas, landline telephone or electric bill / statement
Must be less than six months old. We are unable to accept:
- Mobile telephone bills
- TV licences
- A bill that is addressed to a different address to where the utility is being provided
- A delivery bill for oil, coal or logs
Council services bill or rates bill
Must be issued within the last 12 months. (Not suitable for online applications.)
Current balancing statement from revenue commissioners
Balancing statements can be for any tax year but must be issued within the last 6 months. (Not suitable for online applications.)
Notification of determination of tax credits / tax notification
Must be less than six months old or valid for the current/next tax year. Acceptable documents include notice of tax coding, tax rebate and working family tax credit. (Not suitable for online applications.)
We are unable to accept the following documents:
- Statements relating to VAT accounts
- P60s or P45s
Under 21 years old
If the child is unable to provide address verification documents in their own name, we can accept those of a parent/guardian provided the surname and address are exactly the same.
If you have a different surname, we will need to see a legal document such as a long birth certificate.
(Not suitable for online applications.)
Document checklist:
test Original document to verify your identity (photocopy must be certified if you are posting it to us)
test Original document to verify your address
testDocuments must be valid, original and dated within the required date ranges
testOne original document to verify your Personal Public Service Number (PPSN)/ Individual Tax Reference Number (TRN) (photocopy must be certified if you are posting it to us)
For any lending of €500 or above we require one valid and original item from the list below to confirm your PPSN/TRN:
PPSN Verification Documents
If you reside in the Republic of Ireland you need to provide one of the following documents:
- Any correspondence from the Department of Social Protection or the Revenue Commissioners addressed to you showing your PPSN (excluding the Public Service Card)
- P21, Tax Assessment or Notice of Tax Credits
- Receipt of Social Welfare Payment
- Medical Card / Drug Payment Scheme (DPS) Card
- Payslip, P60/P45
Individual Tax Reference Number Verification Documents
If you reside in the Republic of Ireland and don’t have a PPSN but do have an Individual Tax Reference Number from a different jurisdiction please provide one of the following documents:
- Any correspondence from a government department which shows your Individual Tax Reference Number
- Passport confirming your Individual Tax Reference Number
We require one original item from the list below to confirm your student status. It must be valid for the current academic year and issued within the last six months.
testLetter of acceptance, enrolment or offer
testConfirmation of place
testRequest for payment (must include a reference number)
Proof of affordability
For loans, credit card and current account applications we may require some of the documentation below to verify your income. Your application pack will detail exactly what we require.
- A payslip (no more than eight weeks old)
- Three month's bank statements (last transaction date no more than eight weeks ago)
- One month's statement for each credit card held (dated within the last 40 days)
- Proof of mortgage/rental payments
- Statements for any other existing finance agreements
- One month's statement for any credit union accounts (if applicable), dated within the last 40 days
Documents we are unable to accept for proof of identity and address
- Store card statements
- Ulster Bank statements
- Duplicate statements
- Mobile telephone bills
- TV licences
- A delivery bill for oil, coal or logs
- Statements relating to VAT accounts
- P60s or P45s
- A bill that is addressed to a different address to where the utility is being provided