Your First 90 Days in Ireland: The Practical Checklist for Americans Making the Move

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Your first 90 days in Ireland follow a predictable administrative order — and if you get the sequence right, the rest of the move falls into place. Start with your PPS number, because without it, no Irish bank account opens, no GP will register you formally, and no rental lease can be processed properly. Every other step unlocks once you have that eight-character number in hand. Here is exactly what to do, week by week, so nothing slips through the cracks.

Before You Land: Final Preparations Every American Should Make

Three things are worth sorting before your flight lands at Dublin, Cork, or Shannon. First, confirm your right to stay. American citizens can enter Ireland visa-free and remain for up to 90 days under the Common Travel Area agreement. Staying longer — whether for work, retirement, or family reasons — requires applying for the appropriate permission before that window closes.

Second, open a Revolut account using your US address while you are still stateside. Revolut is a digital bank that works across Europe, and it takes about ten minutes to set up on your phone. You will use it for the first few weeks in Ireland while waiting for your Irish bank account — which requires an Irish address before most banks will process the application.

Third, book flexible accommodation for at least the first three weeks. Signing a long Dublin lease before you have visited the neighbourhood or understood commute times is one of the most expensive mistakes Americans make. Service apartments or short-let rooms give you time to look properly.

Week 1: The PPS Number — Your Most Important First Task

A PPS (Personal Public Service) number is Ireland’s equivalent of a Social Security Number, and it is the key that unlocks everything else. You need it to open a bank account, register with a GP, claim any public services, and sign most rental agreements.

How to Apply

Book an appointment through MyWelfare.ie with your local Intreo Centre. Appointments typically take one to two weeks to come through, so book on your first or second day in Ireland. Bring your passport, proof of your Irish address (even a temporary one — a letter from a landlord works), and your reason for needing the number (employment, residence, or retirement). The appointment itself takes about fifteen minutes, and you will receive your number by post within a few days.

Other Week 1 Priorities

• Pick up a local SIM card from Three, Vodafone, or Eir — a standard plan costs approximately €20 per month for data and calls
• Register your address with An Post (Ireland’s postal service) using the mail collection service
• Note your nearest Garda station in case you need to formally register your presence — required for certain visa types

Weeks 2–4: Bank Account and Healthcare

Once your PPS number arrives, your bank account follows quickly. The main Irish banks are Bank of Ireland, AIB, and Permanent TSB. Each requires your passport, PPS number, and proof of Irish address. Most accounts are ready within five to seven business days of application.

A Note on Credit History

Your US credit history does not transfer to Ireland. You start from zero in the Irish credit system. This matters for mortgage applications down the line, so the sooner you begin building an Irish credit footprint — a credit card used and cleared on time, direct debits for utilities — the better your position in 12 to 24 months.

Registering with a GP

Ireland operates on a GP (general practitioner) model for primary healthcare. To see any specialist, you first visit your GP. Register with a practise near your home in week two or three — many practices have waiting lists of several weeks for new patients, so starting early matters.

A standard GP consultation costs approximately €50–70 per visit for private patients. If your income falls below a certain threshold, you may qualify for a Medical Card, which covers GP visits for free and reduces prescription costs significantly. Check your eligibility on hse.ie as soon as you arrive.

Private health insurance covers hospital stays and specialist appointments. The main providers are VHI, Laya Healthcare, and Irish Life Health. Plans start at approximately €70 per month for a basic single adult policy. Many employers include health insurance in their package, so check your contract before purchasing independently.

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Month 2: Driving and Housing

Your US driving licence is valid in Ireland for your first 12 months of residence. After that, you need an Irish licence. Most US state licences qualify for a direct exchange without a full driving test, although you will need to pass Ireland’s theory test and apply through the National Driver Licence Service (ndls.ie).

A reminder that catches every American driver at least once: in Ireland, you drive on the left, and the steering wheel is on the right side of the car. Give yourself a full day on quiet rural roads before attempting city driving. County Kerry, Connemara, or any rural road in the west is a gentler introduction than Dublin at rush hour.

Finding Your Long-Term Home

Dublin’s rental market is competitive. Average monthly rents in Dublin city run from approximately €1,800 for a one-bedroom apartment to €2,400 for a two-bedroom in 2026. Outside Dublin — in Cork, Galway, Limerick, or a rural commuter town — rents drop noticeably, often to €1,000–1,500 for a comfortable two-bedroom home.

Search on Daft.ie and Rent.ie. Budget for two months upfront: a deposit (typically one month’s rent) plus first month’s rent in advance. Landlords will ask for references and proof of income, so prepare those documents before viewing.

If you are still deciding where in Ireland to settle — Dublin’s energy, the west coast’s Atlantic scenery, or a quieter county town — our full Move to Ireland guide covers each region in detail, including honest cost-of-living breakdowns and community culture, written for Americans making the same decision.

Month 3: Getting Rooted in Your Community

By month three, the administrative foundations are in place. Now Ireland starts to feel less like a project and more like a home. A few final steps make a real difference to how quickly you settle:

• Join your local library — free membership, free internet, and one of the easiest ways to meet neighbours and discover what is happening locally
• Explore the GAA — Gaelic football and hurling clubs are community hubs in every county. You do not need to play; many clubs welcome families simply as supporters
• Sort your US tax obligations — American citizens are taxed on worldwide income regardless of where they live. Notify the IRS of your foreign address and check whether your Irish bank accounts require an FBAR filing. A dual-US-Irish tax adviser is worth the one-off consultation fee
• Connect through heritage — if your family has Irish roots, the local county genealogy centre can often connect surnames to townlands within a few minutes. It is an extraordinary way to feel less like a newcomer

The Most Common Mistakes Americans Make in Their First 90 Days

Underestimating how long Irish administration takes is the most consistent frustration Americans report. A bank account that takes two days in the US can take two to three weeks in Ireland. A GP registration that sounds straightforward can involve a three-week waiting list. Building that buffer into your planning from the start — rather than assuming American timelines — keeps frustration in check.

Panic-buying large items at Irish retail prices before discovering the secondhand market is another expensive habit. Furniture, appliances, and household goods are excellent value on Facebook Marketplace Ireland and Adverts.ie. Give yourself a month before making major purchases.

Finally, many Americans underestimate how strongly Irish community life is organised around the parish, the GAA club, and the local pub. Making one genuine connection early — through sport, a community garden, a heritage group, or a local business — opens social networks far faster than months of trying to meet people individually.

What is the first thing to do when you arrive in Ireland from the US?

Book your PPS number appointment within the first 48 hours of arriving in Ireland. The PPS number is required for almost every administrative step that follows — bank account, GP registration, and formal rental agreements — and appointments through your local Intreo Centre typically take one to two weeks to come through. Booking immediately means you wait as little time as possible before everything else can move forward.

How long can Americans stay in Ireland without a visa?

American citizens can stay in Ireland for up to 90 days visa-free under the Common Travel Area agreement. If you plan to stay longer — whether for work, retirement, or family reasons — you will need to apply for the appropriate Irish immigration permission or visa before that 90-day window closes. Overstaying a visa-free entry can affect future travel rights across both Ireland and the UK.

Do Americans need to exchange their driving licence in Ireland?

Your US driving licence is valid in Ireland for the first 12 months of your residency. After that, you must convert it to an Irish licence through the National Driver Licence Service at ndls.ie. Most US state licences qualify for a direct exchange without sitting a full driving test, though you will need to pass the Irish theory test as part of the application process.

Is healthcare affordable for Americans living in Ireland?

GP consultations cost approximately €50–70 per visit for private patients. If your income falls below a set threshold, you may qualify for a Medical Card covering GP visits at no charge. Private health insurance — covering hospital stays and specialists — starts at approximately €70 per month for a basic single adult policy with VHI, Laya, or Irish Life Health. Ireland’s public healthcare system also covers emergency treatment for everyone regardless of insurance status.

Secure Your Dream Irish Experience Before It’s Gone!

Planning a trip to Ireland? Don’t let sold-out tours or packed attractions spoil your journey. Iconic experiences like visiting the Cliffs of Moher, exploring the Rock of Cashel, or enjoying a guided walk through Ireland’s ancient past often sell out quickly—especially during peak travel seasons.

Booking in advance guarantees your place and ensures you can fully immerse yourself in the rich culture and breathtaking scenery without stress or disappointment. You’ll also free up time to explore Ireland’s hidden gems and savour those authentic moments that make your trip truly special.

Make the most of your journey—start planning today and secure those must-do experiences before they’re gone!

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