Who will offer Ireland's PIA?

Credit institution and MiFID firm, Central Bank of Ireland

In a statement to PIA·IE, AIB says it plans to introduce Personal Investment Accounts and is looking forward to making the Investment Account available to customers from 1 July 2027, designed as a digital investment experience with financial education tools alongside. Fees, minimums and eligible investments remain unpublished.

Our read — A day-one target from Ireland's largest retail bank, delivered digitally. What matters now is the fee schedule and whether customers can hold low-cost ETFs directly — neither is published.

Source: Statement to PIA·IE, 13 October 2026 (AIB Group Press Office) · 2026-10-13

Credit institution and MiFID firm, Central Bank of Ireland

In a reply to PIA·IE, Bank of Ireland says it intends to launch a PIA, expected from 1 July 2027. Its own PIA page, published 13 October 2026, says details on how to apply will follow at launch. Fees, minimums, the investment range and how the account will be delivered are not published.

Our read — The page points readers to its Financial Planning Consultants, which suggests an advice-led route. Which entity runs the account is the key unknown for cost.

Source: Bank of Ireland — Personal Investment Account page (13 October 2026) and statement to PIA·IE (14 October 2026) · 2026-10-14

Credit institution and MiFID firm, Central Bank of Ireland

PTSB's own product page says it will offer the new Personal Investment Account from 1 July 2027, for Irish tax residents aged 18 or over, one account per person in a single name. Fees, minimums, the investment range and how the account will be delivered are not published.

Our read — PTSB's existing investment products are provided through Irish Life. Whether the PIA follows the same route or is offered directly in the PTSB app is the key unknown for total cost.

Source: PTSB — Personal Investment Account (PIA) page, information correct as on 6 October 2026 · 2026-10-06

Authorised insurance undertaking, Central Bank of Ireland

Irish Life's PIA page is headed 'Personal Investment Account from Irish Life, coming in July 2027' and says advice is provided by Irish Life Financial Services. No fees, minimums, fund range or application process have been published.

Our read — Ireland's largest life and pensions group, with more than 1.6 million customers, says it will offer the account. The page points to an advice-led route; whether there will be an execution-only option is not stated. Insurance Ireland says Budget 2027 confirmed insurers will be recognised as providers.

Source: Irish Life — Personal Investment Accounts (checked 7 October 2026; page undated) · 2026-10-07

EEA MiFID firm passporting into Ireland

Trading 212's Irish CEO, Michael Byrne, told the Business Post (1 September 2026) that the company 'intends to participate' in the Savings and Investment Account scheme, while acknowledging the final tax arrangements and payment mechanics had not yet been settled. No fees, minimums or opening date published.

Our read — The clearest first-person commitment from a digital platform so far. Participation still depends on the final tax and payment mechanics set in Budget 2027 and the Finance Bill 2026.

Source: Business Post — 'Trading212 to offer Irish savings and investment accounts' · 2026-09-01

Revolut Bank UAB (Lithuania), passporting into Ireland; brokerage services passported

Revolut told the Business Post (October 2026, after Budget 2027): "We wish to reaffirm our intention to launch an Irish investment account for our customers next year and welcome the additional clarity provided in the budget." This follows its 4 September comment that Irish tax administration would add complexity. No fees, minimums or opening date published.

Our read — Moved from Considering to Stated plan after the Budget clarified the tax mechanics. Largest Irish retail user base of any non-bank, and the Swedish and UK precedents say digital-first platforms win volume.

Source: Business Post — 'Ireland's new savings and investment account: everything you need to know' · 2026-10-13

Authorised insurance undertaking, Central Bank of Ireland

Zurich's 6 October 2026 guide states: 'Zurich intends to make its Investment Account available from the launch date, allowing customers to access the scheme from day one.' The guide also restates the scheme's announced mechanics: €12,000 annual allowance, €50,000 tax-free threshold with 1% applying only above it, single-life plans, and no 1% insurance levy or deemed disposal inside the account. No fees, minimums or fund range have been published.

Our read — A first-person launch commitment from a major insurer, following its September explainer on how insurers could participate. Still no product terms; the September commentary set eligibility expectations, and this states Zurich's intent to be available on 1 July 2027. Insurance Ireland says Budget 2027 confirmed insurers will be recognised as providers.

Source: Zurich Ireland — A guide to Ireland's new Investment Account (6 October 2026) · 2026-10-06

EEA MiFID firm passporting into Ireland

Lightyear confirmed to PIA·IE on 30 October 2026 its intention to offer a Personal Investment Account. No launch date, fees, minimums or investment range have been published.

Our read — A low-cost European app already used by Irish investors. It passports into Ireland, so how it will handle the account's Irish tax reporting is still to be confirmed.

Source: Confirmation to PIA·IE from Lightyear (30 October 2026) · 2026-10-30

Monzo Bank Europe DAC, credit institution authorised by the Central Bank of Ireland

The Business Post (13 October 2026, after Budget 2027) reported that Monzo has said it is 'hopeful' of being able to offer the new accounts. Monzo launched in Ireland in April 2026 with current and savings accounts only; it offers no investment products to Irish customers. No plan, date, fees or delivery model published.

Our read — Irish-licensed, but with no investment service here yet. Offering a PIA would mean adding investment permissions or working with a partner firm — a tight timeline for 1 July 2027.

Source: Business Post — 'Ireland's new savings and investment account: everything you need to know' · 2026-10-13

Credit institution authorised in the Netherlands, operating in Ireland on a branch basis (Central Bank register C466118)

bunq confirmed to PIA·IE on 4 November 2026 that it is considering offering a Personal Investment Account. No launch date, fees or investment range published.

Our read — bunq already offers a selection of stocks and ETFs to customers living in Ireland through bunq Stocks in its app, with investment services provided by its partner Ginmon. It operates here as a branch of a Dutch-authorised bank, so how it would administer the account's Irish tax reporting is still to be confirmed.

Source: Correspondence with PIA·IE (4 November 2026) · 2026-11-04

Directly authorised Irish MiFID investment firm (Central Bank register C423427)

Kevin Keller, CEO of Interactive Brokers Ireland, told PIA·IE on 29 October 2026 that the firm 'expects to offer this account type, subject to the program's final rules and regulatory requirements', and that it is 'well-positioned to meet applicable tax reporting obligations'. The statement is conditional: it is not a firm commitment, and no launch date, fees or investment range have been given.

Our read — One of the few international brokers authorised directly in Ireland rather than passporting in, which matters for the provider-run tax reporting the account depends on. It already runs similar tax-advantaged accounts elsewhere in Europe.

Source: Statement to PIA·IE from Kevin Keller, CEO, Interactive Brokers Ireland (29 October 2026) · 2026-10-29

German bank and MiFID firm passporting into Ireland

No statement on the account. Growing Irish retail user base.

EEA MiFID firm passporting into Ireland

No statement on the account.

EEA MiFID firm passporting into Ireland

No statement on the account. Crypto, a core eToro product, is excluded from the account.

MiFID investment firm, Central Bank of Ireland

No statement on the State scheme. Davy already operates an execution-only retail platform (Davy Select) and markets a product it calls a personal investment account.

Our read — Has the retail platform, custody and tax-reporting rails already built. One of the few firms that could launch on day one.

Source: Davy Select · 2026-09-04

MiFID investment firm, Central Bank of Ireland

Goodbody analysts published research on the scheme, forecasting a 'modest' impact on bank income and that lenders' investment arms would capture a share of money leaving deposits.

Our read — The closest thing to an industry admission that bank-owned brokers expect to be distributors.

Source: Irish Times — new savings scheme may have 'modest' impact on banks' income · 2026-06-02

MiFID investment firm, Central Bank of Ireland

No public statement on the account found as of September 2026.

Our read — Established retail broker with an existing execution-only offering — a credible fast follower.

MiFID investment firm, Central Bank of Ireland

No public statement found.

Our read — Advice-led and higher minimums; likelier to wrap the account for existing clients than to chase mass market.

MiFID investment firm, Central Bank of Ireland

No public statement found.

Our read — Discretionary wealth manager; same profile as Quilter Cheviot.

Authorised insurance undertaking, Central Bank of Ireland

No public statement found; parent group represented via BPFI.

Authorised insurance undertaking, Central Bank of Ireland

No public statement found.

Authorised insurance undertakings, Central Bank of Ireland

No public statement found.

State-owned distributor; product would be built and run by a regulated partner firm

An Post told PIA·IE on 30 October 2026 that An Post Money is actively considering offering a PIA and is engaging with solution providers, with the intention of being ready to offer a product by 1 July 2027. This follows tender 0044 (published 16 July 2026) for a partner to build and run a retail investment proposition under the An Post Money brand. No partner, fees or investment range announced.

Our read — Target date of 1 July 2027 stated, but An Post still describes itself as considering the account. It would handle distribution and the customer relationship; custody and investor protection would sit with the partner firm, so that is the entity to assess once named.

Source: Statement to PIA·IE, 30 October 2026 (An Post Communications) · 2026-10-30

Fund manufacturer; no direct-to-consumer Irish platform

No evidence of an intention to offer the account itself. Vanguard has no retail platform in Ireland.

Our read — Expect Vanguard UCITS ETFs inside other providers' accounts rather than a Vanguard account.

Fund manufacturer; no direct-to-consumer Irish platform

No evidence of an intention to offer the account itself.

Our read — Likely the single largest supplier of eligible ETFs inside the account.