Settle.ie
The Ireland Moving Checklist
3 phases. Every task. In the order you need to do them.
Order matters within each phase — PPS unlocks the bank account, the bank account unlocks salary and Revenue. Some items only apply to some people; we flag those. Tick as you go, or use the tracker on page 5.
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Phase 1
Before you move
Right to live and work
- Confirm what permission you'll arrive on (EU free movement, work permit, EU Treaty Rights, Stamp 4, etc.)
- Start any visa or permit application 3–6 months out
- Passport valid 12+ months past arrival
Money
- Save 3 months of Irish living costs before you go
- Open Revolut, Wise or N26 for day-one spending
- For large transfers, compare Wise, OFX + Currencies Direct (banks lose 2–4%)
- Tell your home bank you're moving — avoids card freezes
Housing
- Pick the single biggest constraint — budget, commute, schools, family — and design around it
- Browse Daft.ie + MyHome.ie for two weeks before you move so you know real prices
- Book temporary accommodation for the first 2–4 weeks — never sign a long lease from photos
- If school-age kids: check enrolment cut-offs (popular schools fill 6–12 months ahead)
Logistics
- Decide what you ship vs. sell — import duties + shipping often beat a fresh start
- Pet: vaccinations + passport / health cert 21+ days out
- Car: budget VRT (13–36% of value) within 30 days of arrival
- Pre-read: cost-of-living + a city profile on settle.ie before you commit
Documents — bring originals + 3 photocopies of each
- Passport, birth cert, marriage / civil partnership cert, driver's licence
- Qualifications, employer + landlord references
- Last 6 months of bank statements, proof of address
- Vaccination records, vet records
Phase 2
First 90 days
Start the slow things on day one. PPS takes 2–6 weeks; the bank account needs PPS; salary, rent and Revenue all need the bank account.
Week 1
- Irish SIM or eSIM (3, Vodafone, EIR, Tesco Mobile, or Lyca Mobile for cheap international calls)
- If your permission requires Immigration Service Delivery registration, book it immediately — slots are scarce
First month
- Apply for PPS at mywelfare.ie — proof of address required, takes 2–6 weeks
- Open an Irish bank account (AIB, BOI, PTSB, Revolut Ireland, N26) — needs PPS + proof of address
- Give employer your IBAN
- Set up direct debits
Healthcare (start week 1, finish month 2)
- Decide: public, private (VHI / Laya / Irish Life Health), or both
- If private: get the same plan name quoted at all three providers — same cover, different prices
- Register with a GP — 6–12 week waitlist, so start week one
- Apply for medical card or GP-visit card if eligible (medicalcard.ie)
Long-term housing (months 1–3)
- Find a place on Daft.ie or MyHome.ie
- Viewings: bank statement, employer reference, ID, 1 month's rent as deposit
- Confirm landlord registers the tenancy with the RTB (rtb.ie) — protects your deposit
- Set up utilities in your name — electricity, gas, broadband
Driving (if you'll be driving)
- EU licences fully valid; UK + recognised states swap directly within 12 months at NDLS; others take the Irish theory + practical test
- Buying a car: tax + insure + NCT before driving — expect higher year-one premiums
Phase 3
Putting down roots (months 3–12+)
Reassess and lock in
- After 3–6 months, honestly: is your location working? Visit 2–3 alternatives before re-signing
- Review your lease 60 days before renewal — RPZ rules cap most urban rent increases
- Buying: 10% deposit, mortgage approval-in-principle 3–6 months ahead, always solicitor + survey + BER
Tax and healthcare
- Register on Revenue's myAccount (revenue.ie/myaccount)
- Review tax credits — single, married, one-earner, dependants, rent all change your bracket
- File by 31 October — Form 12 (PAYE) or Form 11 (self-employed / non-PAYE)
- Renew or shop health insurance annually — switch in the December–February window. Dental cover is separate.
Build a life
- Sign up for one regular weekly thing — GAA, sports club, Meetup, volunteer slot, language exchange
- Plan a return trip home around months 3–6 — homesickness peaks then
Long-term immigration and leaving
- If your permission needs renewal, diary it 8–12 weeks early
- At 5 years legal residency: check long-term residence, Stamp 4 or citizenship eligibility
- PRSI counts toward State Pension after 10 contribution years
- If you ever leave: tell Revenue you've stopped being tax-resident, keep your PPS — it's yours for life
Tracker
Your move at a glance
Phase 1 — Before
- Confirm permission to live/work
- Start visa application
- Passport valid 12+ months
- Save 3 months living costs
- Open Revolut / Wise / N26
- Compare transfer rates
- Notify home bank
- Pick housing constraint
- Browse Daft + MyHome
- Book temp accommodation
- Check school cut-offs
- Decide ship vs. sell
- Pet vaccinations + passport
- Budget car VRT
- Pre-read settle.ie
- Pack documents + copies
Phase 2 — 90 days
- Irish SIM
- Book ISD registration
- Apply for PPS
- Open Irish bank account
- Give employer IBAN
- Set up direct debits
- Decide healthcare option
- Compare insurance providers
- Register with GP
- Apply for medical card
- Find long-term housing
- Bring viewing documents
- Confirm RTB registration
- Set up utilities
- Sort driving licence
- Tax / insure / NCT car
Phase 3 — Roots
- Reassess location at 3–6 months
- Review lease 60 days early
- Mortgage AIP if buying
- Register on Revenue myAccount
- Review tax credits
- File return by 31 October
- Renew health insurance
- One regular weekly thing
- Plan return-home trip
- Diary permission renewals
- Year 5: residency / citizenship
- Track PRSI contributions
- If leaving: tell Revenue
What Settle.ie will never do
- Pretend to be an authority we're not.
- Sell your email.
- Run paid placements or fake urgency.
- Charge you a thing.
Settle.ie is general information, not legal, financial, immigration or medical advice. Verify with the official source before acting on it. Every guide on settle.ie links to gov.ie, citizensinformation.ie, irishimmigration.ie, Revenue.ie or HSE.ie.
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