--- title: "Permanent Tsb Plc. (Formerly Irish Life and Permanent PLC) SWIFT/BIC code IPBSIE2DXXX · Ireland | Elucidate" description: "SWIFT/BIC code IPBSIE2DXXX for Permanent Tsb Plc. (Formerly Irish Life and Permanent PLC), Ireland. 1 branch BIC, LEI 549300WL1M55G8FIDZ68." url: https://elucidate.co/directory/permanent-tsb-plc-formerly-irish-life-and-permanent-plc-ipbsie2d --- 1. [Directory](https://elucidate.co/directory) 2. [Ireland](https://elucidate.co/directory/country/ie) 3. Permanent Tsb Plc. (Formerly Irish Life and Permanent PLC) Ireland · Credit institution # Permanent Tsb Plc. (Formerly Irish Life and Permanent PLC) Legal name in the LEI record Permanent TSB Public Limited Company Permanent TSB plc is a public limited company incorporated in Ireland, with its registered office at 56-59 St Stephen's Green, Dublin 2. It trades as PTSB and PTSB Asset Finance. It is wholly owned by Permanent TSB Group Holdings plc, in which the Minister for Finance holds 57.5%. It provides retail and SME banking in Ireland, including mortgages, current accounts, deposits, consumer loans, credit cards and asset finance. In April 2026 BAWAG P.S.K. agreed to acquire the holding company, subject to regulatory approval and High Court sanction. BIC **IPBSIE2DXXX** LEI **[549300WL1M55G8FIDZ68](https://search.gleif.org/#/record/549300WL1M55G8FIDZ68)** Licence no. **Not on a tracked register** Connected to Swift [**1** branch code](https://elucidate.co/directory/permanent-tsb-plc-formerly-irish-life-and-permanent-plc-ipbsie2d#branches) [Claim this profile](https://elucidate.co/directory/permanent-tsb-plc-formerly-irish-life-and-permanent-plc-ipbsie2d#claim) ## Licences and registrations Matched by LEI on the 22 tracked registers None matched by LEI in the 22 tracked registers. It is on the ECB list of supervised entities (see [Regulatory status](https://elucidate.co/directory/permanent-tsb-plc-formerly-irish-life-and-permanent-plc-ipbsie2d#regulatory)): that is banking supervision, not a licence on a tracked register. - The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked. ## Regulatory status ### ECB banking supervision List of supervised entities as of 2026-07-01 - **Classification:** Less significant institution - **Supervisor:** Central Bank of Ireland (with ECB oversight) - **Listed as:** permanent tsb plc - **Entity type:** Credit institution ## European registers ### ECB · monetary financial institutions List as at 2026-09-25 - **Category:** Credit institution - **Minimum reserves:** Subject to minimum reserves - **Listed as:** permanent tsb plc. - **RIAD code:** IEIRPERM ### ESMA · MiFID II register Register as at 2026-09-28 | Entry | Competent authority | Authorised | Services or instruments | | --- | --- | --- | --- | | Investment services (MiFID II) | Central Bank of Ireland (CBI) | 2007-11-01 | A1 A2 A3 A4 A5 A6 A7 A8 A9 B1 B2 B3 B4 B5 B6 B7 | Service codes follow MiFID II Annex I: A for investment services, B for ancillary services. Hover a code for its meaning. Entries are matched on the LEI. Each register is quoted as its publisher lists it. ## Swift network Swift’s ISO 9362 BIC directory - **BIC:** IPBSIE2DXXX head office - **Connection to Swift:** Connected to Swift - **Swift GPI:** Not on the member list - **Payment schemes and systems:** [SCT · SCT Inst · SDD Core · VOP · T2 · TIPS](https://elucidate.co/directory/permanent-tsb-plc-formerly-irish-life-and-permanent-plc-ipbsie2d#schemes) - **Branch codes:** [1 branch code](https://elucidate.co/directory/permanent-tsb-plc-formerly-irish-life-and-permanent-plc-ipbsie2d#branches) - **BIC first registered:** 1994-03-07 - **Last updated:** 2024-04-10 ## Overview Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/permanent-tsb-plc-formerly-irish-life-and-permanent-plc-ipbsie2d#overview-sources) Total assets EUR 30.5bn Group · 30 Jun 2026 · [interim report ↗](https://www.rns-pdf.londonstockexchange.com/rns/2637O_1-2026-7-28.pdf) Employees 2,987 FTE · Group · 30 Jun 2026 · [interim report ↗](https://www.rns-pdf.londonstockexchange.com/rns/2637O_1-2026-7-28.pdf) Ownership Group subsidiary 100% Permanent TSB Group Holdings plc Institution type Commercial bank Trades as PTSB - **Standing:** On 14 April 2026 the parent, Permanent TSB Group Holdings plc, agreed a recommended cash acquisition by BAWAG P.S.K., a subsidiary of BAWAG Group AG. The holding company's shareholders approved the scheme on 30 July 2026. Completion remains subject to European Central Bank approval and High Court sanction. The sanction hearing is set for 27 October 2026. - **Ownership:** Permanent TSB Group Holdings plc holds 100% of the bank, and the Minister for Finance of Ireland holds 57.5% of the holding company. - **Direct parent:** [Permanent TSB Group Holdings plc ↗](https://search.gleif.org/#/record/635400DTNHVYGZODKQ93), Ireland 100% - **Ultimate owner:** Government of Ireland (Minister for Finance), Ireland - **Head office:** 56-59 St Stephen's Green, D02 H489 Dublin, Ireland - **Company register:** 222332, Companies Registration Office (Ireland) - **Former names:** Irish Life and Permanent plc · Irish Permanent plc ### Business lines - Retail banking - Mortgage lending - SME banking - Consumer finance - Cards - Leasing & factoring - Insurance The bank's lending is concentrated in Irish residential mortgages, alongside SME lending, consumer finance and asset finance. ### Online - **Websites & references:** [ptsb.ie ↗](https://www.ptsb.ie/) [permanenttsbgroup.ie ↗](https://www.permanenttsbgroup.ie/) corporate and investor relations site of the parent, Permanent TSB Group Holdings plc [permanenttsb.ie ↗](https://www.permanenttsb.ie/) former customer domain, still linked from the group site [open24.ie ↗](https://open24.ie/online/) Open24 online banking [business24.ie ↗](https://www.business24.ie/) Business24 online banking for business customers [Wikipedia ↗](https://en.wikipedia.org/wiki/Permanent_TSB) group article - **Official social accounts:** [LinkedIn ↗](https://www.linkedin.com/company/permanent-tsb/) · [X ↗](https://twitter.com/askptsb) · [Facebook ↗](https://www.facebook.com/Permanent-tsb-557742141060618/) · [YouTube ↗](https://www.youtube.com/user/permanenttsbireland) · [X (group account) ↗](https://www.twitter.com/permanenttsb) Sources · 11 pages consulted 1. [ptsb.ie/](https://www.ptsb.ie/) 2. [permanenttsbgroup.ie/who-we-are/ownership-profile](https://www.permanenttsbgroup.ie/who-we-are/ownership-profile) 3. [permanenttsbgroup.ie/who-we-are/governance/board-of-directors](https://www.permanenttsbgroup.ie/who-we-are/governance/board-of-directors) 4. [permanenttsbgroup.ie/who-we-are/governance/executive-committee](https://www.permanenttsbgroup.ie/who-we-are/governance/executive-committee) 5. [rns-pdf.londonstockexchange.com/rns/2637O\_1-2026-7-28.pdf](https://www.rns-pdf.londonstockexchange.com/rns/2637O_1-2026-7-28.pdf) 6. [permanenttsbgroup.ie/media/press-releases/2026/permanent-tsb-group-holdings-plc-announces-interim-results-2026](https://www.permanenttsbgroup.ie/media/press-releases/2026/permanent-tsb-group-holdings-plc-announces-interim-results-2026) 7. [dataprotection.ie/en/news-media/press-releases/data-protection-commission-announces-decision-in-pemanent-ts](https://www.dataprotection.ie/en/news-media/press-releases/data-protection-commission-announces-decision-in-pemanent-tsb-inquiry) 8. [ccpc.ie/enforcement-and-regulation/mergers/find-a-merger-case/details/bawag-ptsb](https://www.ccpc.ie/enforcement-and-regulation/mergers/find-a-merger-case/details/bawag-ptsb) 9. [ptsb.ie/about-us/notices/2026/july/ptsb-confirms-shareholder-approval-of-bawag-acquisition/](https://www.ptsb.ie/about-us/notices/2026/july/ptsb-confirms-shareholder-approval-of-bawag-acquisition/) 10. [stockopedia.com/share-prices/permanent-tsb-group-LON:PTSB/news/permanent-tsb-group-bawag-group-ag-date-of](https://www.stockopedia.com/share-prices/permanent-tsb-group-LON:PTSB/news/permanent-tsb-group-bawag-group-ag-date-of-court-hearing-to-sanction-the-scheme-01a07b18-ebd9-786a-bbfb-2fd03df59512/) 11. [en.wikipedia.org/wiki/Permanent\_TSB](https://en.wikipedia.org/wiki/Permanent_TSB) ## Leadership Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/permanent-tsb-plc-formerly-irish-life-and-permanent-plc-ipbsie2d#overview-sources) - **Chief executive:** Eamonn Crowley Chief Executive Officer Confirmed 29 Sep 2026 · [permanenttsbgroup.ie ↗](https://www.permanenttsbgroup.ie/who-we-are/governance/executive-committee) - **Chair:** Julie O'Neill Chair / Independent Non-Executive Director Confirmed 29 Sep 2026 · [permanenttsbgroup.ie ↗](https://www.permanenttsbgroup.ie/who-we-are/governance/board-of-directors) - **Chief financial officer:** Barry D'Arcy Chief Financial Officer – Executive Director Confirmed 29 Sep 2026 · [permanenttsbgroup.ie ↗](https://www.permanenttsbgroup.ie/who-we-are/governance/board-of-directors) - **Executive:** Fiona McMahon Chief Risk Officer Confirmed 29 Sep 2026 · [permanenttsbgroup.ie ↗](https://www.permanenttsbgroup.ie/who-we-are/governance/executive-committee) - **Executive:** Patrick Farrell Chief Retail Banking Officer Confirmed 29 Sep 2026 · [permanenttsbgroup.ie ↗](https://www.permanenttsbgroup.ie/who-we-are/governance/executive-committee) ## Supervisors & regulators Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/permanent-tsb-plc-formerly-irish-life-and-permanent-plc-ipbsie2d#overview-sources) - **Ireland:** Central Bank of Ireland Prudential supervisor Central bank AML supervisor Conduct Resolution ## Recent events 1 enforcement or investigation item Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/permanent-tsb-plc-formerly-irish-life-and-permanent-plc-ipbsie2d#overview-sources) 1. Jul 2026 Merger / acquisition Shareholders of Permanent TSB Group Holdings plc approved the scheme of arrangement for the BAWAG acquisition on 30 July 2026. [ptsb.ie ↗](https://www.ptsb.ie/about-us/notices/2026/july/ptsb-confirms-shareholder-approval-of-bawag-acquisition/) 2. Jun 2026 Merger / acquisition The Competition and Consumer Protection Commission cleared BAWAG's proposed acquisition of sole control of Permanent TSB Group Holdings plc. [ccpc.ie ↗](https://www.ccpc.ie/enforcement-and-regulation/mergers/find-a-merger-case/details/bawag-ptsb) 3. May 2026 Enforcement The Data Protection Commission reprimanded the bank and fined it EUR 277,500 for GDPR breaches linked to its Open24 contact centre. [dataprotection.ie ↗](https://www.dataprotection.ie/en/news-media/press-releases/data-protection-commission-announces-decision-in-pemanent-tsb-inquiry) 4. Apr 2026 Merger / acquisition The group's board agreed a recommended cash acquisition of Permanent TSB Group Holdings plc by BAWAG P.S.K. on 14 April 2026. [permanenttsbgroup.ie ↗](https://www.permanenttsbgroup.ie/media/press-releases/2026/permanent-tsb-group-holdings-plc-announces-interim-results-2026) 5. Jul 2025 Other NatWest Group disposed of its remaining 63,614,171 shares in Permanent TSB Group Holdings plc on 15 July 2025. [permanenttsbgroup.ie ↗](https://www.permanenttsbgroup.ie/who-we-are/ownership-profile) Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source. ## Identifiers Head-office record - **BIC:** IPBSIE2DXXX - **How the BIC breaks down:** 1. IPBS Bank 2. IE Country · Ireland 3. 2D Location 4. XXX Branch · head office - **Branch description:** Not recorded in the directory - **LEI:** 549300WL1M55G8FIDZ68 - **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/549300WL1M55G8FIDZ68) - **How the LEI was matched:** BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file. ## Profile - **Type:** Credit institution - **Regulation:** Prudentially supervised (ECB list) - **Register licences:** None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked. - **Country · region:** Ireland · Europe & Central Asia - **Banking supervision:** [Less significant · Central Bank of Ireland](https://elucidate.co/directory/permanent-tsb-plc-formerly-irish-life-and-permanent-plc-ipbsie2d#regulatory) as of 2026-07-01 - **Trading venues (MIC):** No MIC registered under this LEI list of 2026-09-17 - **OFAC sanctions:** No listing cites this BIC - **EU sanctions:** No listing matched this BIC or its LEI - **Country sanctions:** No country programme Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet. ## Ownership and group GLEIF relationship records - **Direct parent:** Permanent Tsb Group Holdings Public Limited Company · Ireland[635400DTNHVYGZODKQ93 ↗](https://search.gleif.org/#/record/635400DTNHVYGZODKQ93) Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control. ## Addresses - **Registered address:** 56/59 ST. STEPHEN'S GREEN DUBLIN D02 H489 IRELAND - **Operational address:** 56/59 ST. STEPHEN'S GREEN DUBLIN DUBLIN D02 H489 IRELAND ## ISO 20022 identification As an agent in a Swift cross-border payment message (CBPR+) A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC. - **Identified by:** BIC, with its LEI - **Roles in CBPR+:** Any agent, including the instructing and instructed agents ### CBPR+ For cross-border payments on Swift: the BIC, with the LEI and clearing code where known ```xml IPBSIE2DXXX 549300WL1M55G8FIDZ68 ``` ### Full record Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC ```xml IPBSIE2DXXX 549300WL1M55G8FIDZ68 PERMANENT TSB PLC. (FORMERLY IRISH LIFE AND PERMANENT PLC) DUBLIN IE 56/59 ST. STEPHEN'S GREEN DUBLIN D02 H489 ``` The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use. ## Payment schemes and systems EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28 | Scheme or system | Since | Registered with | Note | | --- | --- | --- | --- | | SEPA Credit TransferISO 20022 messages | 2008-01-28 | Head office | — | | SEPA Instant Credit TransferISO 20022 messages | 2024-12-02 | Head office | — | | SEPA Direct Debit CoreISO 20022 messages | 2010-03-22 | Head office | — | | Verification of Payee | 2025-09-15 | Head office | — | | T2 (Eurosystem real-time gross settlement)ISO 20022 messages | — | Head office | — | | TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — | SEPA dates are when the institution became ready for the scheme. The T2 list names direct participants only and gives no joining date. TIPS entries have no joining date. An institution missing from T2 may still be reachable through an indirect participant. The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro. “ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants. ## Network ### Branch codes | BIC | Branch | City | Address | LEI | Updated | | --- | --- | --- | --- | --- | --- | | [IPBSIE2DTPS](https://elucidate.co/directory/permanent-tsb-plc-formerly-irish-life-and-permanent-plc-ipbsie2d-tps) | — | Dublin | 56/59 ST. STEPHEN'S GREEN DUBLIN DUBLIN D02 H489 IRELAND | — | 2024-09-28 | [See every BIC in Ireland →](https://elucidate.co/directory/country/ie#bics) ## Related institutions ### Largest institutions in Ireland - [Danske Bank A/S BIC DABAIE2D Financial institution Not on a tracked register Ireland · Not on a tracked register · LEI MAES062Z21O4RZ2U7M96](https://elucidate.co/directory/danske-bank-a-s-dabaie2d) - [Citibank Europe PLC BIC CITIIEA1 Financial institution Not on a tracked register Ireland · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/citibank-europe-plc-citiiea1) - [Citibank Europe PLC BIC CITIIE2X Credit institution Prudential licence Ireland · On the ECB list of supervised entities · LEI N1FBEDJ5J41VKZLO2475](https://elucidate.co/directory/citibank-europe-plc-citiie2x) - [Bank of America Europe Designated Activity Company BIC BOFAIE3X Financial institution Not on a tracked register Ireland · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/bank-of-america-europe-designated-activity-company-bofaie3x) - [Citco Fund Services Ireland Limited BIC CFSHIE2D Financial institution Not on a tracked register Ireland · Not on a tracked register · LEI 635400PJVWAILALN1E67](https://elucidate.co/directory/citco-fund-services-ireland-limited-cfshie2d) - [Central Bank of Ireland BIC IRCEIE2D Financial institution Not on a tracked register Ireland · Not on a tracked register · LEI 635400OAUSKT6BT5UZ19](https://elucidate.co/directory/central-bank-of-ireland-irceie2d) - [U.S. Bank Europe Designated Activity Company BIC USBKIE22 Financial institution Not on a tracked register Ireland · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/u-s-bank-europe-designated-activity-company-usbkie22) - [Zurich Insurance PLC BIC ZURIIE2D Financial institution Not on a tracked register Ireland · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/zurich-insurance-plc-zuriie2d) [See every BIC in Ireland →](https://elucidate.co/directory/country/ie#bics) Claim this profile ## Work at Permanent Tsb Plc. (Formerly Irish Life and Permanent PLC)? Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page. 1. 01 **Submit** Tell us who you are, using your work email. 2. 02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days. 3. 03 **Profile claimed** The page is marked as claimed and verified. You can send us corrections at any time. Sources & method Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name. Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists. The sanctions facts on this page cover the BIC and its LEI only. An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page. [Read the methodology →](https://elucidate.co/directory/methodology) Credits for this page - **Payment schemes and systems**—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate. Source: European Central Bank, List of T2 participants. Source: European Central Bank, List of TIPS participants and reachable parties. - **Banking supervision**—Source: European Central Bank, list of supervised entities. - **Ownership and group**—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI. - **Overview, leadership, regulators and events**—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source. - **European registers**—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Source: European Securities and Markets Authority (ESMA), MiFID II/MiFIR register (investment firms, trading venues, systematic internalisers, data reporting services providers). Matched on LEI by Elucidate. ## Assess the financial crime risk behind a BIC A BIC identifies an institution; it does not assess it. The [Elucidate FinCrime Index (EFI)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence. [Book a demo](https://elucidate.co/demo-request) Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.