Banking built for you. Secure. Seamless. European.
Open a free current account in minutes, access competitive loans, and earn more on your savings — all from Ireland, fully regulated and 100% digital.
A complete bank, 100% online
Current accounts, savings, loans, insurance and private banking — a comprehensive suite designed for your daily finances and long-term ambitions, right here in Ireland.
Accounts & Cards
Open your account in minutes. Free Visa debit card, SEPA transfers at no cost, and full mobile control.
- Zero fees across the SEPA zone
- Arranged overdraft up to 1,000 EUR
- Mobile app for iOS & Android
Savings & Investments
Put your money to work. Competitive deposit rates, investment funds and structured products.
- Regular saver, notice and fixed-term deposit accounts
- Investment returns up to 3.5% gross per annum
- Diversified fund access from just 0.99 EUR
Loans & Financing
Mortgage, car, home improvement or personal — decision in principle within 48 hours, competitive rates.
- Mortgage from 1.45% APR over 20 years
- Car finance up to 100,000 EUR with no deposit
- Decision within 48 business hours
Insurance
Protect what matters most. Home, motor, health — apply instantly online.
- Home insurance from 8 EUR/month
- No-claims discount fully preserved
- 24/7 emergency assistance included
Business Banking
Sole traders, SMEs, professionals — a fee-free business account, financing solutions and a dedicated relationship manager.
- Business current account with no maintenance fees
- Contactless card terminal included
- Dedicated business relationship manager
Private Banking
Bespoke wealth management, VIP privileges, private concierge — the highest standard of financial service.
- Dedicated certified wealth manager
- Priority Pass airport lounge access worldwide
- Private concierge available 24/7
Your finances at your fingertips
Check your balance, make transfers, manage your cards and track spending in real time. An intuitive app, available around the clock.
Contactless payments
Apple Pay and Google Pay built in — tap to pay with your phone, anywhere
Instant transfers
Send money in seconds, even on weekends and bank holidays
Smart spending insights
Automatic categorisation and personalised budget alerts
Download the app
Choose the plan that fits your life
Transparent pricing, no hidden fees. From a free everyday account to bespoke wealth management — find the right fit.
SOFIES Essential
The free account for everyday banking
SOFIES Premium
Enhanced benefits and priority service
SOFIES Private
Bespoke wealth management
Compare our plans
| Included services | Essential | Premium | Private |
|---|---|---|---|
| Account maintenance fee | Free | 9.90 EUR/month | 29.90 EUR/month |
| Bank card | Visa Classic | Visa Gold | World Elite Mastercard |
| Arranged overdraft | 500 EUR | 1,500 EUR | 5,000 EUR |
| Savings deposit rate | 0.5% gross/year | 2.5% gross/year | 3.5% gross/year |
| Client support | Digital support | Dedicated advisor | Wealth manager |
| Included insurance | Not included | Travel and purchase protection | Premium family cover |
Bring your plans to life with the right loan for you
Whether it is a new home, a car, renovations or a personal project — SOFIES offers competitive financing tailored to your needs.
Response in 48 hours
Decision in principle on your application within 48 business hours
Competitive rates
Rates tailored to your individual borrower profile
Expert guidance
A dedicated loan advisor with you at every stage
Your loan in 4 simple steps
Simulate online
Calculate your borrowing capacity and monthly repayments in under 2 minutes
Submit your application
Complete your application with guidance from our loan advisors
Decision within 48 hours
Our credit team reviews your application and responds promptly
Funds released
Digital signature and swift fund transfer following the statutory cooling-off period
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
Make informed decisions in just a few clicks
Calculate your borrowing power, project your savings or plan your investments. All our tools are completely free, with no obligation.
Mortgage Calculator
Amount, term, monthly repayments — get a personalised estimate in 2 minutes.
Personal Loan Calculator
Work out your monthly repayments for a personal, car or home improvement loan.
Savings & Investment Planner
Project your savings over time. Deposit accounts, funds, structured products — choose what suits you.
Need personalised advice?
Our expert advisors are here to help with all your financial goals
Legal notices: Simulations are indicative only and do not constitute a contractual offer. All lending is subject to a full creditworthiness assessment in accordance with the European Union (Consumer Mortgage Credit Agreements) Regulations and the Consumer Credit Act 1995.
