Demand online

You can add to your account at any time with any amount from €1 upwards by:

• cheque or bankers draft posted to our Dublin Administration Office: 56-59 St Stephens Green, Dublin 2
• transfer from another permanent tsb account (subject to any restrictions in the terms and conditions applying to that account);
• electronic transfer (you must arrange this directly with your bank or building society).

Please quote the following details:

Your bank or building society sending the funds may require the Bank Identification Code (BIC) and International Bank Account Number (IBAN). Therefore, these details are provided below:

It is important that for all electronic transfers you quote your Demand Online account number as the reference as funds cannot be applied to your account without this number.

Once your account is opened, and for your convenience, you will have the facility to download a lodgement form via our internet service.

With our Demand Online account your interest is paid either annually on 31 December each year, or monthly on the last business day of the month. It can be:

• added to your Demand Online Account;
• transferred into another permanent tsb account (subject to any restrictions in the terms and conditions applying to that account); or
• paid by electronic transfer into an account in your name with another bank or building society.

If you have requested your interest to be sent to another bank or building society account, please allow one business day for receipt. We cannot be held liable if funds are not received by your bank or building society because of the provision of incorrect or incomplete information.

Interest earned will be subject to Deposit Interest Retention Tax (DIRT) at the prevailing rate. If you are eligible you can register to receive gross interest by completing a separate DIRT Exemption Declaration form (DE1 form) for each account you hold. This rate may be subject to change by the Revenue Commissioner.

After you have opened your account you can request to amend your interest details via our internet service. Simply log into your account, and select the 'Amend Details' option, and follow the on-screen instructions.

You can request a withdrawal for any amount from €1 upwards, and can even forward date your request by up to 6 days.

To make a withdrawal, log into your account using your Customer ID Number, password and security details and select the 'Withdraw Money' menu option. Then select the withdrawal method required and follow the on-screen instructions.

Withdrawals can be made by:

• draft. This will be sent within one business day following receipt of your instructions. Drafts can be made payable to a third party but cannot be made payable to cash. Drafts can only be sent to your registered address;
• transfer to another permanent tsb account (subject to any restrictions in the terms and conditions applying to that account);
• electronic transfer to your nominated bank or building society account. Provided we receive your instructions by 3pm, the money will reach your nominated bank or building society account on the next business day. No charge is imposed by permanent tsb for providing this service; or
• electronic transfer – same day. If you need funds transferred quickly, provided we hear from you by 11am, we can arrange for money to reach your nominated bank or building society account on the same business day. A charge is made for this service and details of this charge are contained in the rates and charges page. However, this service is subject to availability. Please contact us for further information.

Should you wish to amend your nominated bank or building society account you can do so via our internet service. Simply log into your account, and select the 'Amend Details' option, and follow the on-screen instructions.

Should you need to contact us please refer to the contact us page.

Our Demand Online account is classed as a 'payment account', which means that you can use this account to make payments in and out of your account with few restrictions. For example, you can make a withdrawal without having to give notice. Details of restrictions are contained on this page, the Savings Terms and Conditions and rates and charges page.

If you have a complaint, you should telephone us, send us a secure message or write to us as soon as possible so that we may investigate the circumstances. You can write with details of your complaint to:

Customer Relations Department
permanent tsb
56-59 St. Stephens Green
Dublin 2

Alternatively you can email us, or raise your complaint by telephone.

If we cannot resolve the complaint to your satisfaction you have the right to refer your complaint to the Financial Services Ombudsman, which provides independent adjudication of complaints. A copy of our Internal Complaints Procedure leaflet is available via the I have a complaint page.

You can view our full complaints procedures by visiting out complaints charter.