Opening a Bank Account

Bíodh Eolas agat ar do Chearta : Cuntas bainc a oscailt

Nollaig 2013

Ceist

Bhog mé go hÉirinn le déanaí. Níl aon bhillí fóntais agam go fóill, áfach, agus is mian liom cuntas bainc a oscailt.  Conas is féidir liom m’aitheantas a chruthú don bhanc?

Freagra

Sula n-osclaíonn tú cuntas bainc le hinstitiúid airgeadais, is gá dóibh d’aitheantas a chinntiú agus do sheoladh a dheimhniú. Tá an ceanglas seo leagtha amach sa reachtaíocht frithsciúrtha airgid. I measc na n-institiúidí airgeadais tá bainc, cumainn foirgníochta agus comhair chreidmheasa.

Is féidir leat d’aitheantas a chruthú le haon cheann de na rudaí mar a leanas:

·         Pas bailí nó ceadúnas reatha tiomána Éireannach

·         Cárta Náisiúnta Aoise (arna eisiúint ag an nGarda Síochána)

·         Foirm aitheantais le grianghraf arna síniú ag comhalta den Gharda Síochána

·         Cáipéisí arna n-eisiúint ag ranna rialtais a léiríonn d’ainm, mar shampla, Cárta Seirbhísí Poiblí

Féadfaidh tú fianaise i dtaca le do sheoladh a sholáthar le haon cheann díobh seo a leanas (caithfidh do sheoladh bheith le sonrú orthu):

·         Bille reatha fóntais (ar nós bille gáis, leictreachais nó gutháin nó guthán póca)

·         Polasaí reatha árachas gluaisteáin nó tí

·         Cáipéis a d’eisigh roinn rialtais

·         Deimhniú creidmheasanna cánacha a d’eisigh na Coimisinéirí Ioncaim

·         Ráiteas reatha comhardaithe (‘Foirm P21’) nó deimhniú C2 ó na Coimisinéirí Ioncaim

·         Cáipéis árachais shóisialta

Tabhair faoi deara nach féidir leat an cháipéis chéanna a úsáid chun d’aitheantas agus do sheoladh a chruthú. Mar rogha air sin, féadfaidh tú litir a sholáthar ó d’fhostóir nó ó ghníomhaireacht cheadúnaithe fostaíochta ina luaitear gur tháinig tú go hÉirinn le déanaí agus gur thosaigh tú ag oibriú ach nach féidir leat fianaise a sholáthar maidir le do sheoladh in Éirinn (beidh ort cruthúnas a sholáthar maidir le do sheoladh ag tráth níos déanaí). Má osclaíonn tú cuntas a íocann ús ar do chuid airgid, is gá duit d’uimhir PSP (Seirbhís Phearsanta Phoiblí) a sholáthar chomh maith. Mura bhfuil uimhir PSP agat, féadfaidh tú teagmháil a dhéanamh le d’oifig áitiúil leasa shóisialaigh chun faisnéis a fháil ar conas iarratas a dhéanamh ar uimhir PSP.

Tá tuilleadh faisnéise ar fáil ón Ionad um Fhaisnéis do Shaoránaigh thíos.   

Chuir Ionad Faisnéise do Shaoránaigh An Clocháin Liath ‘Bíodh Eolas agat ar do Chearta’ le chéile.  Cuireann an tIonad seo seirbhís shaor in aisce agus faoi rún ar fáil don phobal. Teil: 0761075430 Seoladh: Ionad Seirbhisí Pobal An Clocháin Liath

Tá faisnéis le fáil freisin ar líne ag citizensinformation.ie agus ón tSeirbhís Teileafóin um Fhaisnéis do Shaoránaigh, 0761 07 4000.

Know Your Rights : Opening a bank account

December 2013

Question

I have recently moved to Ireland. However, I don’t have any utility bills yet and I want to open a bank account.  How can I satisfy the bank as to my identity?

Answer

Before you open an account with a financial institution, they have to establish your identity and verify your address. This requirement is set down in anti-money laundering legislation. Financial institutions include banks, building societies and credit unions.

You can prove your identity with one of the following:

·         A valid passport or current Irish driving licence

·         A National Age Card (issued by An Garda Síochána)

·         An identification form with a photograph signed by a member of An Garda Síochána

·         Documents issued by government departments showing your name, for example, a Public Services Card

You can provide evidence of your address with one of the following (which must show your address):

·         A current utility bill (such as a gas, electricity or telephone or mobile phone bill)

·         A current car or home insurance policy

·         A document issued by a government department

·         A certificate of tax credits  issued by the Revenue Commissioners

·         A current balancing statement (‘ Form P21’)  or a C2 certificate from the Revenue Commissioners

·         A social insurance document

Note that you cannot use the same document to prove your identity and your address. Alternatively, you can provide a letter from your employer or licensed employment agency stating that you have recently arrived in Ireland and have started work but cannot yet provide evidence of your Irish address (you will have to provide evidence of your address at a later date). If you open an account that pays interest on your money, you also need to supply your PPS (Personal Public Service) number. If you do not have a PPS number, you can contact your local social welfare office for information on how to apply for one.  

Further information is available from the Citizens Information Centre below.

Know Your Rights has been compiled by Dungloe Citizens Information Service which provides a free and confidential service to the public. Tel: 0761075430 Address: Dungloe Public Services Centre

Information is also available online at citizensinformation.ie and from the Citizens Information Phone Service, 0761 07 4000.