Personal FX
Bringing money home.
Returning funds held abroad — from a sale, an account, a pension or an inheritance — back into your home currency.
Often the end of a longer story
Repatriation usually follows something else: a property sold, a period living abroad ending, an estate settled, or a foreign account being closed. The currency decision comes at the end of a process that may already have taken months.
Timing is frequently the main question. Funds may become available on a date set by someone else, and the rate on that date is whatever it is.
Planning the return
Before and after you move home
Abroad
Before you leave
- List the overseas accounts and assets you hold
- Check any notice periods or exit costs
- Decide whether to move funds in one go or in stages
Ireland
Once you are home
- Confirm your Irish account details
- Arrange the transfer and conversion
- Keep records for your own tax and financial advice
What this covers
Where this typically applies
Property sale proceeds
Returning the proceeds of an overseas property sale.
Closing foreign accounts
Consolidating balances held abroad back into your home currency.
Pension and retirement funds
Transfers arising from overseas pension arrangements.
Inheritance from abroad
Funds received from an estate in another country.
Who this is for
Made for moments like these
- 01
Irish citizens returning home
- 02
Those selling property or assets abroad
- 03
People closing overseas accounts
What to prepare
Have these to hand
- 1Details of the funds being moved
- 2Your Irish account details
- 3Proof of source of funds
- 4Any relevant sale documents
Before you proceed
Things worth knowing
- Tax treatment of repatriated funds depends on your circumstances and jurisdictions; take independent professional advice.
- Evidence of the source of funds will be required, particularly for larger amounts.
FAQ
Common questions
Yes, this is a common situation. It helps to involve us early so that the beneficiary details and verification are complete before funds are released.
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Ready to discuss repatriating funds?
Tell us what you need and a member of the team will come back to you with a transaction-specific quote.