What is Zippay in Ireland?
Zippay is the instant payment service that AIB, Bank of Ireland and PTSB launched inside their mobile apps on 9 March 2026. Around five million customers can send, request and split money using a mobile number, up to €1,000 a day, with no IBAN needed. It runs on Nexi technology and competes with Revolut for peer-to-peer payments.
In detail
Zippay is the instant payment service that AIB, Bank of Ireland and PTSB launched inside their mobile apps on 9 March 2026. Around five million customers can send, request and split money using a mobile number, up to €1,000 a day, with no IBAN needed. It runs on Nexi technology and competes with Revolut for peer-to-peer payments.
How people pay in Ireland in 2026
On the account side, SEPA Instant became mandatory for every bank on 9 October 2025, the three pillar banks launched Zippay in March 2026, and Revolut passed 3.4 million Irish customers. BNPL is regulated by the Central Bank and led by Klarna and humm.
Payment by bank transfer in Ireland
On 9 March 2026 AIB, Bank of Ireland and PTSB launched Zippay inside their apps, letting around five million customers send, request and split money by mobile number, up to €1,000 a day, on Nexi technology, after the banks dropped a standalone app in 2023. Unlike the Benelux, Ireland has no bank-redirect scheme at checkout, so pay-by-bank online still means an open banking provider or a manual transfer.
More detail in our #PayWorldTour guide Payment methods in Ireland.