SWIFT codes in Ireland
IE · EUR
21 banks in Ireland, from CITIBANK EUROPE PLC (CITIIE2X) onward; every code carries IE as its country part.
Banks
21
SWIFT codes
3
Branches
6
Currency
EUR
Banks and SWIFT codes in Ireland
AAIB BANK
| SWIFT/BIC | City |
|---|---|
AIBKIE2DXXX | DUBLIN |
CCITIBANK EUROPE PLC
| SWIFT/BIC | City |
|---|---|
CITIIE2XXXX | DUBLIN |
CITIIE2XTI1 | DUBLIN |
CITIIE2XTI0 | DUBLIN |
CITIIE2XSIG | DUBLIN |
CITIIE4XITA | DUBLIN |
Ireland SWIFT code questions
What does a Ireland SWIFT code look like?
CITIIE2XXXX (CITIBANK EUROPE PLC): bank CITI, country IE, location 2X, branch XXX.
What are the SWIFT codes for major Irish banks?
Key Irish bank SWIFT codes include: AIB — AIBKIE2D, Bank of Ireland — BOFIIEDD, Permanent TSB — IPBSIE2D, An Post Money — various, and Revolut Ireland — REVRIE21. Note that Ulster Bank and KBC have exited the Irish market — ensure the recipient provides current bank details.
Do I need a SWIFT code or just an IBAN for transfers to Ireland?
For EUR transfers from within the SEPA zone, the Irish IBAN (starting with IE, 22 characters) is sufficient — no SWIFT/BIC code is needed. For transfers from outside SEPA (such as the US, Canada, or Australia) or in a non-EUR currency, you will need the bank's BIC/SWIFT code alongside the IBAN.
How long does a SWIFT transfer to Ireland take?
SEPA EUR transfers from within Europe typically arrive within one business day (often same-day with SEPA Instant). SWIFT transfers from outside SEPA usually take one to three business days. Transfers from the US and Canada to AIB or Bank of Ireland typically settle within one to two business days.
Are there fees for receiving a SWIFT transfer in Ireland?
SEPA transfers in EUR are typically free or very low cost at Irish banks. Non-SEPA SWIFT transfers may incur an inbound wire fee, typically EUR 5–12 depending on the bank. If the transfer arrives in a non-EUR currency (such as USD or GBP), the bank will convert at their own exchange rate. Some account types waive inbound wire fees.
Have Ulster Bank and KBC SWIFT codes stopped working in Ireland?
Yes. Ulster Bank and KBC Bank Ireland have exited the Irish market, and their SWIFT codes no longer process payments. Their current accounts were closed, and customers moved to banks of their own choosing (KBC sent residual current-account balances to Bank of Ireland). If you previously received international transfers at Ulster Bank or KBC, you must provide the sender with your new bank's SWIFT code and IBAN.
Is money sent to Ireland from family abroad taxed as a gift?
It can fall under Capital Acquisitions Tax (CAT), which <a href="https://revenue.ie/en/gains-gifts-and-inheritance/completing-gift-or-inheritance-tax-return-it38/index.aspx" target="_blank" rel="noopener noreferrer">Revenue</a> applies when the giver or the receiver is resident or ordinarily resident in Ireland, so a gift from abroad to an Irish resident is in scope (an exception can apply to someone foreign domiciled). The first <a href="https://revenue.ie/en/gains-gifts-and-inheritance/cat-exemptions/small-gift-exemption/index.aspx" target="_blank" rel="noopener noreferrer">€3,000 from each giver</a> in a calendar year is exempt, as is <a href="https://www.revenue.ie/en/gains-gifts-and-inheritance/cat-exemptions/support-maintenance-education-payments/index.aspx" target="_blank" rel="noopener noreferrer">support or education money</a> for the giver's child under 18, or 18 to 25 in full-time education, if normal and reasonable for the giver. Other gifts since 5 December 1991 add up against a threshold that from 7 October 2026 is <a href="https://www.revenue.ie/en/gains-gifts-and-inheritance/cat-thresholds-rates-and-aggregation-rules/cat-thresholds.aspx" target="_blank" rel="noopener noreferrer">€420,000 from a parent, €44,000 from a sibling, grandparent, aunt or uncle, and €22,000 from most others</a>. A return is due past 80% of the threshold; tax above it is <a href="https://www.revenue.ie/en/gains-gifts-and-inheritance/cat-thresholds-rates-and-aggregation-rules/cat-rates.aspx" target="_blank" rel="noopener noreferrer">33%</a>.
Why might someone paying my Irish IBAN see a "name does not match" warning?
Since 9 October 2025, Verification of Payee, brought in by the EU Instant Payments Regulation, compares the name and IBAN a payer enters with the details on your account, the <a href="https://www.centralbank.ie/InstantPayments" target="_blank" rel="noopener noreferrer">Central Bank of Ireland</a> explains. The payer sees a match, a close or partial match, no match, or "service unavailable", which can mean the IBAN is not in scope. They can still go ahead, but the Central Bank warns that doing so could mean paying someone they did not intend to pay. Give senders the account name exactly as your bank holds it. The check applies to SEPA credit transfers, instant and standard; a SWIFT wire from the US, Canada or Australia is not a SEPA payment, so it is not checked this way.
I had an Ulster Bank or KBC account in Ireland. Where did the money left in it go?
Ulster Bank Ireland DAC returned its banking licence to the Central Bank of Ireland on 27 June 2025 and now operates as <a href="https://www.ulydien.ie/" target="_blank" rel="noopener noreferrer nofollow">Ulydien DAC</a>. Unclaimed balances from its closed accounts and uncashed drafts, including foreign currency drafts, were moved to <a href="https://www.ulydien.ie/trust.html" target="_blank" rel="noopener noreferrer nofollow">Ulydien Trust Company Limited</a>; residents of Ireland, the UK, Europe, the US, Canada or Australia can reclaim online with proof of identity and address, a PPSN and the bank account the money should go to. KBC Bank Ireland, renamed Exicon DAC, returned its licence on 30 April 2024. Its current accounts were closed, and <a href="https://www.kbc.com/en/kbc-ireland/welcome/information-on-accounts-that-have-closed-or-transferred/general-info.html" target="_blank" rel="noopener noreferrer nofollow">any residual balance went to Bank of Ireland</a> on 3 November 2023. If someone sent money to one of these old IBANs, the sender's bank or provider is the one to trace it.
How SWIFT works in Ireland
Ireland is a SEPA member, so EUR transfers from other SEPA countries can be sent using just the Irish IBAN without a SWIFT code. SWIFT/BIC codes are primarily needed when the sender is outside SEPA or when the payment is in a non-EUR currency. The main retail banks in Ireland — AIB, Bank of Ireland, and Permanent TSB — all participate in the SWIFT network for international payments.
- For EUR transfers from within the SEPA zone, the recipient's Irish IBAN (starting with IE) is sufficient. SEPA transfers are typically free or very low cost and settle within one business day. There is no need to provide a SWIFT/BIC code for these payments.
- If you are sending from outside SEPA (such as the US, Canada, or Australia) or sending in a non-EUR currency, you will need the recipient bank's SWIFT code. AIB, Bank of Ireland, and PTSB each have their own BIC codes, and using the wrong one will cause delays or failed payments.
- Ireland's banking landscape has consolidated in recent years, with Ulster Bank and KBC exiting the market. Their current accounts were closed, so a recipient who banked with either now has an IBAN and SWIFT code at whichever bank they moved to. Ask for their current details: codes for the closed banks no longer work.
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