Irish Business Banking Cost Calculator
Enter your monthly transaction profile and rank Irish business current accounts by estimated annual cost. Every figure traces to the provider's published fee schedule, with the source link and verification date on each row.
Fee data verification in progress: 1 of 8 providers verified. The headline benchmark appears once at least three providers pass two-fetch verification.
Indicative comparison, not financial advice. Confirm fees against the linked schedule before opening or switching accounts.
Customer payments and other electronic credits received.
SEPA transfers, direct debits, and supplier payments sent.
Notes and coin lodged at a branch or partner outlet.
Non-euro payments sent or received, in euro terms.
Spend on the business debit or expense cards.
Estimated annual cost, cheapest first
Verified fee schedules only. Every figure links to the provider's published schedule.
- AIBBusiness Current AccountVerification in progress live fee schedule
- Bank of IrelandBusiness Current AccountVerification in progress live fee schedule
- PTSBBusiness Current AccountVerification in progress live fee schedule
- Revolut BusinessBusiness BasicVerification in progress live fee schedule
- N26 BusinessBusiness StandardVerification in progress live fee schedule
- bunqBusiness CoreVerification in progress live fee schedule
- Wise BusinessWise Business AccountVerification in progress live fee schedule
Figures are estimates built from each provider's published fee schedule and the profile you entered. Negotiated pricing, lending, overdrafts, and merchant acquiring are out of scope. See the methodology for how this data is collected and verified.
Built on verified data, not a marketing table
Most bank comparison tables are typed up once and quietly rot. This calculator works differently. A weekly pipeline fetches the fee schedule each provider publishes, hashes the content to detect changes, and extracts the figures with strict validation. A provider's figures only go live after two independent fetches on different days agree, and every published number carries the source link, the schedule's effective date, and the date we last verified it. Data older than 60 days is flagged and excluded from the headline benchmark until re-verified. The full process is on the methodology page.
How the annual cost is modelled
The calculator multiplies your monthly profile across the published fee lines: account maintenance, per-transaction charges on incoming and outgoing electronic payments after any free allowance, cash lodgement (percentage of the amount lodged, subject to the published minimum), FX margin on non-euro volume, and per-transaction card fees where a provider publishes one. The result is an annual figure so quarterly and annual fee structures compare fairly.
Traditional banks tend to win on cash handling and branch access while charging maintenance and per-item fees. Fintech providers tend to win on electronic transactions and FX while handling cash poorly or not at all. Your transaction mix decides which side of that trade-off is cheaper, which is exactly what the profile inputs capture.
Get the inputs right
Pull the numbers from two or three recent bank statements rather than guessing. Count incoming and outgoing electronic payments separately, total the cash you actually lodge, and estimate the euro value of non-euro payments in a typical month. If your activity is seasonal, run the calculator twice with a busy month and a quiet month to see the range.
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What to look for
- Pull your transaction counts from real statements, not memory.
- Price cash lodgement separately. It is the fee line that surprises most switchers.
- Check the fee schedule effective date before acting on any comparison.
- Revisit the comparison annually. Irish bank fee schedules change most years.
Common mistakes to avoid
- Comparing monthly fees alone and ignoring per-transaction charges.
- Assuming a fintech account handles cash lodgements.
- Ignoring FX margin when even a small share of revenue is non-euro.
- Switching for an introductory offer without pricing year two.
Frequently asked questions
Where do the fee figures come from?
Every figure is extracted from the fee schedule each provider publishes on its own website. The pipeline fetches each schedule weekly, and a figure only appears here after it has been extracted twice on different days with matching results. Each row links to the exact source document and shows the date it was last verified.
Why do some providers show "verification in progress"?
A provider appears without figures until its published schedule has passed our two-fetch verification rule, or when its data is more than 60 days old and awaiting re-verification. We would rather show no number than an unverified one.
What costs does the calculator include?
Account maintenance fees, per-transaction fees on incoming and outgoing electronic payments, cash lodgement charges, FX conversion margins, and card payment fees where the provider publishes one. Overdrafts, lending, negotiated pricing, and merchant acquiring are out of scope.
How accurate is the annual cost estimate?
It is an estimate built from published standard fees and the profile you enter. Banks apply waivers, minimum balances, and introductory offers that can change your real cost, and fee schedules change during the year. Always confirm against the linked schedule before switching.
What happens when a bank changes its fees?
The pipeline detects content changes weekly. A changed schedule is re-extracted, re-validated, and the update is recorded in a public changelog. Corrections are never made silently.
Related resources
- Banking data methodology - how this data is collected, verified, and corrected.
- Business banking in Ireland - the full provider directory with accounts, overdrafts, and credit facilities.
- Business Bank FX & Fee Calculator - model FX-heavy transaction mixes across five providers.
- Cash Flow Runway & Resilience Calculator - how long your cash would last if revenue stopped tomorrow.
- Accounting software for Irish businesses - bank feeds and reconciliation that work with Irish accounts.
Results are indicative only and based on the information provided. Data may not reflect current vendor offerings and is subject to change. Always verify details directly with vendors before making purchasing decisions.