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Collection of Personal Public Service Number (PPSN) Details when opening a Bank Account


 

Personal Public Service Number (PPSN) Details

The Return of Payments (Banks, Building Societies, Credit Unions and Savings Banks) Regulations 2008 (S.I. No.136 of 2008), which gives effect to S.891B of the Taxes Consolidation Act 1997, requires a financial institution to seek the collection of a Tax Reference Number (also known as a PPSN) from customers when opening a new current or deposit account. When you apply to open a new current or deposit account, you will be asked to provide this number.

Self-certify

If your account is being opened online, you will also be asked to confirm that you “self-certify” the PPSN. This means that you have checked the number which you have provided against any of the following suitable documents.

If your account is being opened online, you will also be asked to confirm that you “self-certify” the PPSN. This means that you have checked the number which you have provided against any of the following suitable documents:

  • Employment Detail Summary
  • End of Year Statement of Liability
  • Payslip (where employer is identified by name or tax number)
  • Drug payment scheme card
  • European health insurance card
  • Income Tax Assessment
  • PAYE Notice of Tax Credits
  • Child Benefit Award Letter
  • Public Services card
  • Any printed document issued by the Department of Social Protection or the Revenue Commissioners which contains your name, address and tax reference number       

If you do not have your PPSN to hand, or are not in a position to check it against appropriate documentation, you can proceed with the account opening by leaving both the number field and the self-certify box empty. You can then forward the number, along with a copy of the relevant document, at any stage to your nearest branch. Please note that you will still need to answer the FATCA / CRS questions on the account opening form before your account can be opened. Further information on FATCA / CRS can be found here

Interest Reporting

When we pay interest to customers on their bank accounts, we are required to report the interest and customer details including PPSN where provided to us, to the Irish Revenue Commissioners, subjection to certain exclusions. We will also indicate whether or not the number has been verified. The number will be regarded as verified where you have self-certified the number or provided the Bank with a copy of a suitable document. If you do not provide the number, or it has not been verified, this will be indicated on the return to Revenue.