Smart Savings GuidesIreland Money Guide

Save Money in Ireland, One Bill at a Time

Your free credit report, credit union loans, savings after DIRT and switching mobile, broadband and energy, checked against official Irish sources.

Unlock the printable bills tracker + complaint letters

Requires trying one sponsored app or offer. It's optional: every guide here is free to read.

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Independent guides · Updated Oct 2026 · Some links are affiliate links (disclosure)

Disclosure: This page includes an optional sponsored offer: if you complete an offer from our partner (OGAds) to unlock the printable bonus, we earn a commission. No bank, credit union or provider pays us, and we don't recommend specific financial products.

How it works

  1. Read the guidePick a guide below. Each one is free to read and links to its official Irish sources.
  2. Optional: pick one sponsored offerTap Unlock and choose one offer from our partner, such as installing an app or completing a survey. Time and steps depend on the offer you pick, so only choose one that genuinely interests you.
  3. Get the printable household bills trackerOnce the sponsor confirms your offer, you're taken to the printable household bills tracker. Confirmation isn't always instant.

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These guides cover the money questions people in Ireland ask most: how to see your credit report for free, how credit union loans work, how to compare savings after DIRT, and how to switch mobile, broadband and energy supplier without hassle. Facts come from official sources, including the Central Bank of Ireland's Central Credit Register, the CCPC, Citizens Information, Revenue, ComReg and the CRU, and each page links to them.

General information, not financial advice. We're not regulated by the Central Bank of Ireland and don't recommend specific financial products. Rates, prices and rules change, so check the provider and the official sources linked on each page.

1. Check your credit report for free

Your report comes from the Central Credit Register at no cost, and there's no credit score to pay for. How to get it.

2. Know the credit union rate cap

By law, credit unions can't charge more than 12.68% APR. How their loans work, with a repayment estimator.

3. Compare savings after DIRT

DIRT takes 33% of interest, but some State Savings products are DIRT-free. How to compare.

4. Switch one bill this month

Mobile, broadband or energy. Switching is free and the new provider does the work. Start with energy.

Bonus: Printable household bills tracker + complaint letter templates

A printable kit from our UK sister site: a household bills and contract-end tracker, fill-in complaint letters and an annual review checklist. The tracker and letters work anywhere, but the escalation steps in it are written for the UK. In Ireland, escalate to the CRU (energy), ComReg (phone and broadband) or the FSPO (financial services).

Preview of the printable bills tracker + complaint letter templates

How the unlock works: to get the bonus you'll be asked to try one sponsored app or offer from our partner. It's optional, the guides here are complete without it, and the sponsor pays us when you complete their offer. Only do it if the offer genuinely interests you.

Unlock the bills tracker + letter templates (requires trying a sponsored offer)

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