True cost of ownership
What a PIA really costs you each year
One all-in yearly cost per provider, so a bank, a life company and an investing app can be compared on equal terms. Firms have not yet published PIA fees, so the table fills in as they do.
Provider comparison
| Provider | Position | €10,000 | €50,000 | €100,000 |
|---|---|---|---|---|
| AIB | Stated plan | Not published | Not published | Not published |
| Irish Life | Stated plan | Not published | Not published | Not published |
| Zurich | Stated plan | Not published | Not published | Not published |
| Trading 212 | Stated plan | Not published | Not published | Not published |
| Revolut | Stated plan | Not published | Not published | Not published |
| Bank of Ireland | Stated plan | Not published | Not published | Not published |
| PTSB | Stated plan | Not published | Not published | Not published |
| Davy | Likely | Not published | Not published | Not published |
| An Post | Considering | Not published | Not published | Not published |
| DEGIRO | No public position | Not published | Not published | Not published |
| Interactive Brokers | Considering | Not published | Not published | Not published |
| Lightyear | Stated plan | Not published | Not published | Not published |
| bunq | Considering | Not published | Not published | Not published |
Listed in order of relevance to Irish readers, not ranked. No verdict is given until full terms exist.
The PIA tax, shown on its own line
The State charge is the same whichever provider you choose: no PIA tax on value up to and including €50,000, then 1% on the excess only. It is never mixed into a firm's fees.
- €40,000 account → €0 PIA tax a year
- €52,000 account → €20 PIA tax a year
- €100,000 account → €500 PIA tax a year
In the Finance Bill, not yet law
Method: what goes into the total
- Provider / platform fee
- Fixed account fee
- Fund ongoing charge
- Adviser or broker commission
- Dealing and FX fees
- Entry, exit and switching charges
Percentage charges are applied to each balance; fixed euro charges are added as-is. Dealing and FX costs assume one purchase a month. One-off entry, exit or switching charges are spread over a ten-year holding. Every figure links to the firm's own published terms with the date we checked. Missing figures are never estimated.
See why small differences matter in how fees compound over 10 and 20 years, or model your own numbers in the PIA calculator.
Run your own numbers
Compare a Personal Investment Account against a deposit account and a standard fund over 10, 20 or 30 years — with real Irish rates.
Open the PIA calculatorInformation only, not financial or tax advice. PIA rules are as written in the Finance (No. 2) Bill 2026, published 19 October 2026, and are not law until the Bill is signed. Figures cited are from the Department of Finance roadmap, Revenue, Skatteverket, GOV.UK and the IRS.