Compare PRSA charges
Every PRSA product approved by the Pensions Authority, with its published contribution charge and annual management charge (AMC). Standard PRSAs are legally capped at a 5% contribution charge and 1% AMC; non-standard PRSAs have no caps. To see what a charge difference means in euro over time, try the fee impact calculator.
| Provider | Product | Type | Contribution charge | Annual management charge | Notes |
|---|---|---|---|---|---|
| Acorn Life | Acorn Life Smart PRSA 1 APP/E/970/NS | Non-standard | 0% – 5% | 1% – 1.95% | 1% - 1.95% |
| Acorn Life | Acorn Life Smart PRSA 2 APP/E/971/NS | Non-standard | 0% – 3.75% | 1% – 1.95% | 1% - 1.95% |
| Acorn Life | Acorn Life Smart PRSA 3 APP/E/972/NS | Non-standard | 0% – 2.5% | 1% – 1.95% | 1% - 1.95% |
| Acorn Life | Acorn Life Smart PRSA 4 APP/E/973/NS | Non-standard | 0% | 1% – 1.95% | 1% - 1.95% |
| Acorn Life | Acorn Life Standard PRSA APP/E/974/S | Standard | 0% – 5% | 1% | |
| Acorn Life | Zen PRSA APP/E/1031/S | Standard | 0% | 0.7% – 0.9% | |
| Allianz Global | Allianz Vantage PRSA (Non-Standard PRSA A) APP/AG/1035/NS | Non-standard | 0% – 2% | 0.05% – 2.25% | 0.05% - 0.72%; 0.65% - 0.85%; 1.20% - 1.87%; 2.05% - 2.25% |
| Allianz Global | Allianz Vantage PRSA (Non-Standard PRSA B) APP/AG/1036/NS | Non-standard | 0% – 2% | 0.05% – 2% | 0.05% - 0.72%; 0.65% - 0.85%; 0.95% - 1.62%; 1.80% - 2.00% |
| Allianz Global | Allianz Vantage PRSA (Non-Standard PRSA C) APP/AG/1037/NS | Non-standard | 0% – 2% | 0.05% – 1.8% | 0.05% - 0.72%; 0.65% - 0.85%; 0.70% - 1.37%; 1.55% - 1.75%; 1.60% - 1.80% |
| Allianz Global | Allianz Vantage PRSA (Non-Standard PRSA D) APP/AG/1038/NS | Non-standard | 0% – 2% | 0.05% – 1.5% | 0.05% - 0.72%; 0.65% - 0.85%; 0.45% - 1.12%; 1.30% - 1.50% |
| Allianz Global | Allianz Vantage PRSA (Non-Standard PRSA F) APP/AG/1043/NS | Non-standard | 0% – 2% | 0.05% – 2.5% | 0.05% - 0.72%; 0.65% to 0.85%; 1.45% to 2.12%; 2.30% to 2.50% |
| Allianz Global | Allianz Vantage Standard PRSA APP/AG/1034/S | Standard | 0% – 2% | 0.05% – 0.95% | 0.05% - 0.25%; 0.75% - 0.95% |
| Aviva | Aviva PRSA Choice0 APP/F/472/NS | Non-standard | 0% – 5% | 0.95% – 1% | 0.95 - 1% |
| Aviva | Aviva PRSA Choice5 APP/F/112/NS | Non-standard | 5% – 10% | 0.95% – 1% | 0.95 - 1% |
| Aviva | Aviva PRSA Choice8 APP/F/418/NS | Non-standard | 8% – 13% | 0.95% – 1% | 0.95 - 1% |
| Aviva | Aviva PRSA Option 1 APP/F/975/NS | Non-standard | 0% – 5% | 0.7% – 1.1% | 0.70% - 1.10% |
| Aviva | Aviva PRSA Option 10 APP/F/984/NS | Non-standard | 0% | 0.8% – 1.2% | 0.80% - 1.20% |
| Aviva | Aviva PRSA Option 11 APP/F/985/NS | Non-standard | 0% – 5% | 0.95% – 1.35% | 0.95% - 1.35% |
| Aviva | Aviva PRSA Option 12 APP/F/986/NS | Non-standard | 0% | 1.2% – 1.6% | 1.20% - 1.60% |
| Aviva | Aviva PRSA Option 13 APP/F/987/NS | Non-standard | 0% | 1.45% – 1.85% | 1.45% - 1.85% |
| Aviva | Aviva PRSA Option 14 APP/F/988/NS | Non-standard | 1% – 6% | 0.45% – 0.85% | 0.45% - 0.85% |
| Aviva | Aviva PRSA Option 15 APP/F/989/NS | Non-standard | 1% – 6% | 0.7% – 1.1% | 0.70% - 1.10% |
| Aviva | Aviva PRSA Option 16 APP/F/990/NS | Non-standard | 2% – 7% | 0.45% – 0.85% | 0.45% - 0.85% |
| Aviva | Aviva PRSA Option 17 APP/F/991/NS | Non-standard | 2% – 7% | 0.7% – 1.1% | 0.70% - 1.10% |
| Aviva | Aviva PRSA Option 18 APP/F/992/NS | Non-standard | 1% – 6% | 0.95% – 1.35% | 0.95% - 1.35% |
| Aviva | Aviva PRSA Option 2 APP/F/976/NS | Non-standard | 0% – 2% | 0.8% – 1.2% | 0.80% - 1.20% |
| Aviva | Aviva PRSA Option 3 APP/F/977/NS | Non-standard | 0% – 2% | 0.95% – 1.35% | 0.95% - 1.35% |
| Aviva | Aviva PRSA Option 4 APP/F/978/NS | Non-standard | 0% – 5% | 1.2% – 1.6% | 1.20% - 1.60% |
| Aviva | Aviva PRSA Option 5 APP/F/979/NS | Non-standard | 0% – 5% | 1.45% – 1.85% | 1.45% - 1.85% |
| Aviva | Aviva PRSA Option 6 APP/F/980/NS | Non-standard | 0% | 0.3% – 0.7% | 0.30% - 0.70% |
| Aviva | Aviva PRSA Option 7 APP/F/981/NS | Non-standard | 0% – 5% | 0.45% – 0.85% | 0.45% - 0.85% |
| Aviva | Aviva PRSA Option 8 APP/F/982/NS | Non-standard | 0% | 0.55% – 0.95% | 0.55% - 0.95% |
| Aviva | Aviva PRSA Option 9 APP/F/983/NS | Non-standard | 0% – 5% | 0.7% – 1.1% | 0.70% - 1.10% |
| Aviva | Aviva Standard PRSA APP/F/584/S | Standard | 5% | 0.95% – 1% | 0.95 - 1% |
| Aviva | Aviva Standard PRSA0 APP/F/188/S | Standard | 0% | 0.95% – 1% | 0.95 - 1%; Rebate as fund reaches certain levels - units will be added; (Up to €20,000 - Nil, €20,000 to €49,999 - .15%p.a., €50,000+ - .25% p.a.) |
| Aviva | Conductor PRSA (0%) APP/N/921/NS | Non-standard | 0% | 1% – 2.45% | 1% - 2.45%; 1 0.2% bonus units apply from start of 11th year for portion of fund >€20,000. Additional 0.2% for portion of fund >€100,000 |
| Aviva | Conductor PRSA (2%) APP/N/854/NS | Non-standard | 2% | 1% – 2.45% | 1% - 2.45% |
| Aviva | Conductor PRSA (3.5%) APP/N/595/NS | Non-standard | 3.5% | 1% – 2.45% | 1% - 2.45% |
| Aviva | Conductor PRSA (5%) APP/N/742/NS | Non-standard | 5% | 1% – 2.45% | 1% - 2.45% |
| Aviva | Group PRSA0 APP/F/703/S | Standard | 0% – 1% | 0.95% – 1% | 0.95 - 1% |
| Aviva | Group PRSA2A APP/F/183/S | Standard | 1% – 2% | 0.95% – 1% | 0.95 - 1% |
| Aviva | Group PRSA4A APP/F/870/S | Standard | 1% – 4% | 0.95% – 1% | 0.95 - 1% |
| Aviva | Group PRSA5 APP/F/209/S | Standard | 1% – 5% | 0.95% – 1% | 0.95 - 1% |
| Aviva | PensionsFirst Retirement Savings Standard Option One APP/N/760/S | Standard | 5% | 1% | 1 0.2% bonus units apply from start of 11th year for portion of fund >€20,000. Additional 0.2% for portion of fund >€100,000 |
| Aviva | PensionsFirst Retirement Savings Standard Option Two APP/N/738/S | Standard | 1% – 5% | 1% | |
| Aviva | PensionsFirst Retirement Savings Tailored Option Four APP/N/478/NS | Non-standard | 2% | 1% – 2.45% | 1% - 2.45%1; 1% - 2.45% |
| Aviva | PensionsFirst Retirement Savings Tailored Option One APP/N/289/NS | Non-standard | 4% – 15% | 1% – 2.45% | 1% - 2.45%1; 1% - 2.45% |
| Aviva | PensionsFirst Retirement Savings Tailored Option Three APP/N/030/NS | Non-standard | 5% | 1% – 2.45% | 1% - 2.45%1; 1% - 2.45% |
| Aviva | PensionsFirst Retirement Savings Tailored Option Two APP/N/731/NS | Non-standard | 0% – 11% | 1% – 2.45% | 1% - 2.45%1; 1% - 2.45% |
| Aviva | Select PRSA0 APP/F/706/NS | Non-standard | 0% | 1.45% – 1.85% | 1.45% - 1.85% |
| Aviva | Select PRSA3 APP/F/295/NS | Non-standard | 1% – 3% | 1.45% – 1.85% | 1.45% - 1.85% |
| Aviva | Simple PRSA0 APP/F/910/S | Standard | 0% | 0.95% – 1% | 0.95 - 1% |
| Aviva | Simple PRSA4 APP/F/344/S | Standard | 2% – 4% | 0.95% – 1% | 0.95 - 1% |
| Aviva | Simple PRSA5 APP/F/012/S | Standard | 3% – 5% | 0.95% – 1% | 0.95 - 1% |
| BCWM | HBCWM PRSA APP/W/820/NS | Non-standard | 0% | 0.66% – 2.4% | 0.66% - 2.4% |
| Cantor Fitzgerald Ireland Ltd | Cantor PRSA APP/C/068/NS | Non-standard | 0% – 2% | 0.25% – 3% | 0.50% (€0 - €199,999) or 0.25% (€200,000+) |
| Davy | Davy Advisory PRSA APP/T/522/NS | Non-standard | 0% | 0.5% – 1.5% | Additional 0.75% charge applies to all products if opting for the default investment strategy; All transfer payments are subject to the fund charge; The prevailing VAT rate will be applied in addition to the charges set out in the table above.; The management charge will be applied to the value of total funds under management less any funds invested in specified Davy managed funds. The management charge within these funds are exempt from VAT. |
| Davy | Davy Select PRSA (Execution Only) APP/T/465/NS | Non-standard | 0% | 0% – 2% | Additional 0.75% charge applies to all products if opting for the default investment strategy; All transfer payments are subject to the fund charge; The management charge will be applied to the value of total funds under management less any funds invested in specified Davy managed funds. The management charge within these funds are exempt from VAT. |
| Davy | Davy Select PRSA B (Execution – Only) APP/T/434/NS | Non-standard | 0% | 0.7% – 2% | Additional 0.75% charge applies to all products if opting for the default investment strategy; Additional fees and charges may apply where clients invest in third party funds or investments. These charges range from 0.1% - 2.5% p.a. |
| Goodbody Stockbrokers | Goodbody Stockbrokers PRSA Portfolio APP/Z/628/NS | Non-standard | 0% | 0% – 1.25% | 0.5% + 23% VAT and 0.55%; 0.001% + 23% VAT and 0.55%; 1.25% + 23% VAT; 1.00% + 23% VAT; 0.001% + 23% VAT; 0.75% + 23% VAT; 0.50% + 23% VAT; 0.60% + 23% VAT; 0.35% + 23% VAT; 0.65% + 23% VAT; Investment in collective investments (unit trusts, mutual funds or investment companies) incur a charge of up to 3.5% per annum |
| Independent Trustee Co. Ltd | ITC PRSA 1 APP/X/065/NS | Non-standard | 0% | 0.5% – 3.5% | |
| Independent Trustee Co. Ltd | ITC PRSA 2 APP/X/066/NS | Non-standard | 0% | 0% – 3.25% | |
| Independent Trustee Co. Ltd | ITC PRSA 3 APP/X/067/NS | Non-standard | 0% – 2.5% | 1% – 3% | |
| Irish Life | Advance PRSA (ADV00) APP/K/268/NS | Non-standard | 0% | 1% – 1.6% | 1% - 1.6% |
| Irish Life | Advance PRSA (ADV05 or ADV15) APP/K/300/NS | Non-standard | 5% | 1% – 1.6% | 1% - 1.6% |
| Irish Life | Advance PRSA (ADVX0) APP/K/231/NS | Non-standard | 0% | 1% – 1.6% | 1% - 1.6% |
| Irish Life | AIB Invest PRSA APP/K/126/S | Standard | 0% – 4.5% | 1% | |
| Irish Life | Ark Life PRSA APP/K/191/S | Standard | 3% – 5% | 0.93% – 1% | 0.93% - 1% |
| Irish Life | Ascend PRSA D APP/K/1046/NS | Non-standard | 0% | 0.5% – 1.8% | 0.50% - 1.80%; A plan charge of 0.25% is added to this charge |
| Irish Life | Ascend PRSA H APP/K/1044/NS | Non-standard | 0% | 0.5% – 1.8% | 0.50% - 1.80%; A plan charge of 0.10% is added to this charge |
| Irish Life | Ascend PRSA N APP/K/1047/NS | Non-standard | 0% | 0.5% – 1.8% | 0.50% - 1.80%; A plan credit of 0.40% is subtracted from this charge |
| Irish Life | Ascend PRSA W APP/K/1045/NS | Non-standard | 0% | 0.5% – 1.8% | 0.50% - 1.80%; A plan credit of 0.15% is subtracted from this charge |
| Irish Life | Clear PRSA (1%, 0%) APP/K/716/S | Standard | 0% | 1% | |
| Irish Life | Clear PRSA (1%, 4.5%) APP/K/640/S | Standard | 0% – 4.5% | 1% | |
| Irish Life | Company Standard Group PRSA APP/K/243/S | Standard | 4% | 1% | |
| Irish Life | Company Standard Group PRSA (0%, 0.75%) APP/K/736/S | Standard | 0% | 0.75% | |
| Irish Life | Company Standard PRSA APP/K/813/S | Standard | 5% | 1% | |
| Irish Life | Company Standard PRSA (0%, 0.50%) APP/K/119/S | Standard | 0% | 0.5% | |
| Irish Life | Company Standard PRSA (0%, 0.75%) APP/K/072/S | Standard | 0% | 0.75% | |
| Irish Life | Company Standard PRSA (0%, 1%) APP/K/942/S | Standard | 0% | 1% | |
| Irish Life | Company Standard PRSA (1%, 0.75%) APP/K/812/S | Standard | 1% | 0.75% | |
| Irish Life | Company Standard PRSA (1%, 1%) APP/K/685/S | Standard | 1% | 1% | |
| Irish Life | Company Standard PRSA (2%, 1%) APP/K/237/S | Standard | 2% | 1% | |
| Irish Life | Company Standard PRSA (3%, 1%) APP/K/544/S | Standard | 3% | 1% | |
| Irish Life | Complete Solutions PRSA Options (0%) APP/K/122/NS | Non-standard | 0% | 1% – 2.6% | 1% - 2.60%2 |
| Irish Life | Complete Solutions PRSA Options (1.5%) APP/K/713/NS | Non-standard | 0% – 1.5% | 1% – 2.6% | 1% - 2.60%2 |
| Irish Life | Complete Solutions PRSA Options (3%) APP/K/216/NS | Non-standard | 1.5% – 3% | 1% – 2.6% | 1% - 2.60%2 |
| Irish Life | Complete Solutions PRSA Options (5%) APP/K/696/NS | Non-standard | 3.5% – 5% | 1% – 2.6% | 1% - 2.60%2 |
| Irish Life | Complete Solutions PRSA Plus APP/K/1013/NS | Non-standard | 0% | 1% – 2.6% | 1.00%-2.6%; A plan charge of 0.25% is added to this charge |
| Irish Life | Complete Solutions PRSA Standard (0%) APP/K/897/S | Standard | 0% | 1% | |
| Irish Life | Complete Solutions PRSA Standard (1.5%) APP/K/751/S | Standard | 0% – 1.5% | 1% | |
| Irish Life | Complete Solutions PRSA Standard (3%) APP/K/997/S | Standard | 1.5% – 3% | 1% | |
| Irish Life | Complete Solutions PRSA Standard (5%) APP/K/349/S | Standard | 3.5% – 5% | 1% | |
| Irish Life | Corporate Standard Group PRSA APP/K/719/S | Standard | 0% – 1% | 1% | |
| Irish Life | Corporate Standard PRSA APP/K/627/S | Standard | 1% – 2% | 1% | |
| Irish Life | Horizon PRSA Choice APP/K/1041/NS | Non-standard | 0% | 0.5% – 1.8% | 0.50%-1.80%; A plan credit of 0.10% is subtraced from this charge; A plan credit of 0.10% is subtracted from this charge |
| Irish Life | Horizon PRSA Focus APP/K/1040/NS | Non-standard | 0% | 0.5% – 1.8% | 0.50%-1.80%; A plan charge of 0.15% is added to this charge |
| Irish Life | Horizon PRSA Solution APP/K/1042/NS | Non-standard | 0% | 0.5% – 1.8% | 0.50%-1.80%; A plan credit of 0.25% is subtracted from this charge; A plan credit of 0.20% is subtracted from this charge |
| Irish Life | Irish Life PRSA Plan J APP/K/141/NS | Non-standard | 0% | 0.85% – 1.8% | 0.85%-1.80%; A plan charge of 0.55% is added to this charge; A plan charge of 0.35% is added to this charge |
| Irish Life | Irish Life PRSA Plan K APP/K/530/NS | Non-standard | 0% | 0.85% – 1.8% | 0.85%-1.80%; A plan charge of 0.30% is added to this charge; A plan charge of 0.10% is added to this charge |
| Irish Life | Irish Life PRSA Plan L APP/K/347/NS | Non-standard | 0% | 0.85% – 1.8% | 0.85%-1.80%; A plan charge of 0.05% is added to this charge; A plan credit of 0.15% is subtracted from this charge |
| Irish Life | Irish Life PRSA Plan M APP/K/331/NS | Non-standard | 0% | 0.85% – 1.8% | 0.85%-1.80%; A plan credit of 0.20% is subtracted from this charge; A plan credit of 0.40% is subtracted from this charge |
| Irish Life | Irish Life PRSA Plan N APP/K/332/NS | Non-standard | 0% | 0.85% – 1.8% | 0.85%-1.80%; A plan charge of 0.60% is added to this charge |
| Irish Life | Irish Life PRSA Plan O APP/K/333/NS | Non-standard | 0% | 0.85% – 1.8% | 0.85%-1.80%; A plan charge of 0.10% is added to this charge |
| Irish Life | Premium PRSA (PRM30) APP/K/190/NS | Non-standard | — | 1% – 1.6% | 50% in the 1st year; 1% - 1.6%; Loyalty bonus on fund of .5% at month 132 and every 12 months after; 3% for each year after; 3% of the one-off premium; 1 allocation reduces by 0.5% after 5 years |
| Irish Life | PRSA Core APP/K/1032/NS | Non-standard | 0% | 0.5% – 1.8% | 0.50%-1.80%; A plan charge of 0.05% is added to this charge |
| Irish Life | PRSA Performance (1.2% & 5%) APP/K/283/NS | Non-standard | 5% | 1% – 1.85% | 1.% - 1.85%; 1% - 1.85%; Loyalty bonus on regular contribution fund: While the plan is in force, on or after the 10th anniversary and every 5 years thereafter, the regular fund value obtains a bonus depending on the value of the regular contribution fund.; Reducing fund charge: The single contribution fund charge falls by 0.05% when it reaches €150,000, than by another 0.05% at €250,000, by another 0.05% at €500,000. |
| Irish Life | PRSA Performance (1.2%) APP/K/334/NS | Non-standard | 0% – 5% | 1% – 1.85% | 1% - 1.85%; Loyalty bonus on regular contribution fund: While the plan is in force, on or after the 10th anniversary and every 5 years thereafter, the regular fund value obtains a bonus depending on the value of the regular contribution fund.; Reducing fund charge: The single contribution fund charge falls by 0.05% when it reaches €150,000, than by another 0.05% at €250,000, by another 0.05% at €500,000. |
| Irish Life | PRSA Performance (1.35% & 3%) APP/K/926/NS | Non-standard | 3% – 5% | 1% – 1.85% | 1% - 1.85%; Loyalty bonus on regular contribution fund: While the plan is in force, on or after the 10th anniversary and every 5 years thereafter, the regular fund value obtains a bonus depending on the value of the regular contribution fund.; Reducing fund charge: The single contribution fund charge falls by 0.05% when it reaches €150,000, than by another 0.05% at €250,000, by another 0.05% at €500,000. |
| Irish Life | PRSA Performance (1.35% & 5%) APP/K/132/NS | Non-standard | 5% | 1% – 1.85% | 1% - 1.85%; Loyalty bonus on regular contribution fund: While the plan is in force, on or after the 10th anniversary and every 5 years thereafter, the regular fund value obtains a bonus depending on the value of the regular contribution fund.; Reducing fund charge: The single contribution fund charge falls by 0.05% when it reaches €150,000, than by another 0.05% at €250,000, by another 0.05% at €500,000. |
| Irish Life | PRSA Performance (EBS 1.35% & 5%) APP/K/767/NS | Non-standard | 5% | 1% – 1.85% | 1.35% - 1.85%2; Loyalty bonus on regular contribution fund: While the plan is in force, on or after the 10th anniversary and every 5 years thereafter, the regular fund value obtains a bonus depending on the value of the regular contribution fund.; 1% - 1.5%2; Reducing fund charge: The single contribution fund charge falls by 0.05% when it reaches €150,000, than by another 0.05% at €250,000, by another 0.05% at €500,000. |
| Irish Life | PRSA Select APP/K/1033/NS | Non-standard | 0% | 0.5% – 1.8% | 0.50%-1.80%; A plan credit of 0.20% is subtracted from this charge |
| Irish Life | PRSA Standard (1% & 5%) APP/K/935/S | Standard | 5% | 1% | reduces by .05% when fund reaches certain levels |
| Irish Life | PRSA Standard (1%) APP/K/273/S | Standard | 0% | 1% | reduces by .05% when fund reaches certain levels |
| Irish Life | Public Sector PRSA APP/K/082/S | Standard | 1% – 4% | 1% | |
| Irish Life | Standard PRSA (STD00) APP/K/261/S | Standard | 0% | 1% | |
| Irish Life | Standard PRSA (STD03 or STD10) APP/K/033/S | Standard | 3% | 1% | |
| Irish Life | Standard PRSA (STD05 or STD15) APP/K/773/S | Standard | 5% | 1% | |
| Irish Life | Standard PRSA (STDX0) APP/K/501/S | Standard | 0% | 1% | |
| New Ireland | Non-Standard PRSA - Product 10 APP/H/084/NS | Non-standard | 1% | 1% – 1.35% | 1% - 1.35% |
| New Ireland | Non-Standard PRSA - Product 11 APP/H/059/NS | Non-standard | 2% | 1.25% – 1.6% | 1.25% - 1.6% |
| New Ireland | Non-Standard PRSA - Product 12 APP/H/962/NS | Non-standard | 2% | 1.5% – 1.85% | 1.5% - 1.85% |
| New Ireland | Non-Standard PRSA - Product 13 APP/H/508/NS | Non-standard | 0% | 1.25% – 1.6% | 1.25% - 1.6% |
| New Ireland | Non-Standard PRSA - Product 14 APP/H/858/NS | Non-standard | 0% | 1.5% – 1.85% | 1.5% - 1.85% |
| New Ireland | Non-Standard PRSA - Product 15 APP/H/1012/NS | Non-standard | 0% | 0.5% – 0.85% | 0.5%-0.85% |
| New Ireland | Non-Standard PRSA - Product 6 APP/H/874/NS | Non-standard | 5% | 1% – 1.35% | 1% - 1.35% |
| New Ireland | Non-Standard PRSA - Product 7 APP/H/723/NS | Non-standard | 4% | 1% – 1.35% | 1% - 1.35% |
| New Ireland | Non-Standard PRSA - Product 8 APP/H/176/NS | Non-standard | 3% | 1% – 1.35% | 1% - 1.35% |
| New Ireland | Non-Standard PRSA - Product 9 APP/H/503/NS | Non-standard | 2% | 1% – 1.35% | 1% - 1.35% |
| New Ireland | Product 4 APP/H/035/NS | Non-standard | 0% | 0.75% – 1.1% | 0.75% - 1.1% |
| New Ireland | Product 5 APP/H/109/NS | Non-standard | 0% | 1% – 1.35% | 1% - 1.35% |
| New Ireland | PRSA Choice/PRSA Plus APP/H/305/NS | Non-standard | 3% – 5% | 1% – 1.6% | 1.25% - 1.6%; 1% - 1.35% |
| New Ireland | PRSA Choice/PRSA Plus APP/H/525/NS | Non-standard | 3% – 5% | 1% – 1.35% | 1% - 1.35% |
| New Ireland | PRSA Choice/PRSA Plus APP/H/938/NS | Non-standard | 3% – 5% | 1% – 1.85% | 1.5% - 1.85%; 1% - 1.35% |
| New Ireland | Standard PRSA APP/H/217/S | Standard | 3% – 5% | 1% | |
| New Ireland | Standard PRSA APP/H/316/S | Standard | 0% | 1% | |
| New Ireland | Standard PRSA APP/H/397/S | Standard | 2% | 1% | |
| New Ireland | Standard PRSA - Product D APP/H/170/S | Standard | 5% | 1% | |
| New Ireland | Standard PRSA - Product E APP/H/748/S | Standard | 4% | 1% | |
| New Ireland | Standard PRSA - Product F APP/H/137/S | Standard | 3% | 1% | |
| New Ireland | Standard PRSA - Product G APP/H/117/S | Standard | 1% | 1% | |
| New Ireland | Standard PRSA - Product H APP/H/1010/S | Standard | 0% | 0.5% | |
| New Ireland | Standard PRSA - Product I APP/H/1011/S | Standard | 0% | 0.75% | |
| Newcourt Retirement Fund | Self-Invested PRSA APP/A/345/NS | Non-standard | 0% | 0% – 3% | 0% - 3% |
| Quest Retirement Solutions | Quest Retirement Solutions PRSA APP/O/001/NS | Non-standard | 0% | 0.5% – 2.5% | 2.50% p.a.; 1.25% p.a.; 1.00% p.a.; 0.60% p.a.; 0.50% p.a.; An administration fee will apply where property is purchased via a PRSA. The charge will be 1% of the purchase price of the property subject to a maximum purchase price of €100,000 - an equivalent maximum charge of €1,000; Additional annual management charge of 0.5% if opting for the default investment strategy |
| Royal London | Royal London PRSA (0.40%) APP/RL/1014/NS | Non-standard | 0% – 2% | 0% – 0.4% | 0% to 0.17% p.a |
| Royal London | Royal London PRSA (0.50%) APP/RL/1015/NS | Non-standard | 0% – 2% | 0% – 0.5% | 0% to 0.17% p.a |
| Royal London | Royal London PRSA (0.65%) APP/RL/1016/NS | Non-standard | 0% – 2% | 0% – 0.65% | 0% to 0.17% p.a |
| Royal London | Royal London PRSA (0.75%) APP/RL/1017/NS | Non-standard | 0% – 2% | 0% – 0.75% | 0% to 0.17% p.a |
| Royal London | Royal London PRSA (0.90%) APP/RL/1018/NS | Non-standard | 0% – 2% | 0% – 0.9% | 0% to 0.17% p.a |
| Royal London | Royal London PRSA (1.00%) APP/RL/1019/NS | Non-standard | 0% – 2% | 0% – 1% | 0% to 0.17% p.a |
| Royal London | Royal London PRSA (1.15%) APP/RL/1020/NS | Non-standard | 0% – 2% | 0% – 1.15% | 0% to 0.17% p.a |
| Royal London | Royal London PRSA (1.25%) APP/RL/1021/NS | Non-standard | 0% – 2% | 0% – 1.25% | 0% to 0.17% p.a |
| Royal London | Royal London PRSA (1.40%) APP/RL/1022/NS | Non-standard | 0% – 2% | 0% – 1.4% | 0% to 0.17% p.a |
| Royal London | Royal London PRSA (1.50%) APP/RL/1023/NS | Non-standard | 0% – 2% | 0% – 1.5% | 0% to 0.17% p.a |
| Saol Assurance | PRSA (A) APP/AA/998/NS | Non-standard | 2% – 5% | 1.02% – 1.97% | 1.02% - 1.97% |
| Saol Assurance | PRSA (B) APP/AA/999/NS | Non-standard | 0% – 3% | 1.02% – 1.97% | 1.02% - 1.97% |
| Saol Assurance | PRSA (C) APP/AA/1000/NS | Non-standard | 1% | 1.02% – 1.97% | 1.02% - 1.97% |
| Saol Assurance | PRSA (D) APP/AA/1001/NS | Non-standard | 0% | 1.02% – 1.97% | 1.02% - 1.97% |
| Saol Assurance | PRSA (E) APP/AA/1002/NS | Non-standard | 0% – 3% | 0.77% – 1.72% | 0.77% - 1.72% |
| Standard Life | Personal Retirement Savings Account - Ref PRF APP/R/545/NS | Non-standard | -2% – 5% | 0.9% – 1.54% | 0.90% - 1.54% |
| Standard Life | Personal Retirement Savings Account - Ref PRN APP/R/045/NS | Non-standard | -2% – 0% | 0.9% – 1.54% | 0.90% - 1.54% |
| Standard Life | Personal Retirement Savings Account - Ref PRS APP/R/013/NS | Non-standard | -2% – 5% | 0.9% – 1.54% | 0.90% - 1.54% |
| Standard Life | Synergy Personal Retirement Savings Account A APP/R/251/NS | Non-standard | 0% | 0% – 1.63% | 0.90% - 1.63% |
| Standard Life | Synergy Personal Retirement Savings Account B APP/R/459/NS | Non-standard | 0% | 0.25% – 1.88% | 1.15% - 1.88% |
| Standard Life | Synergy Personal Retirement Savings Account C APP/R/509/NS | Non-standard | 0% | 0.5% – 2.13% | 1.40% - 2.13% |
| Standard Life | Synergy Personal Retirement Savings Account D APP/R/152/NS | Non-standard | 2.5% | 0% – 1.63% | 0.90% - 1.63% |
| Standard Life | Synergy Personal Retirement Savings Account E APP/R/771/NS | Non-standard | 2.5% | 0.25% – 1.88% | 1.15% - 1.88% |
| Standard Life | Synergy Personal Retirement Savings Account F APP/R/239/NS | Non-standard | 2.5% | 0.5% – 2.13% | 1.40% - 2.13% |
| Standard Life | Synergy Personal Retirement Savings Account G APP/R/134/NS | Non-standard | 5% | 0% – 1.63% | 0.90% - 1.63% |
| Standard Life | Synergy Personal Retirement Savings Account H APP/R/443/NS | Non-standard | 5% | 0.25% – 1.88% | 1.15% - 1.88% |
| Standard Life | Synergy Personal Retirement Savings Account I APP/R/174/NS | Non-standard | 5% | 0.25% – 2.13% | 1.40% - 2.13% |
| Standard Life | Synergy Personal Retirement Savings Account J APP/R/1006/NS | Non-standard | 0% | 0.25% – 1.88% | 1.15% - 1.88% |
| Standard Life | Synergy Personal Retirement Savings Account K APP/R/1007/NS | Non-standard | 0% | 0.25% – 2.13% | 1.40% - 2.13% |
| Standard Life | Synergy Personal Retirement Savings Account L APP/R/1008/NS | Non-standard | 0% | 0.45% – 2.13% | 1.40% - 2.13% |
| Standard Life | Synergy Personal Retirement Savings Account M APP/R/1009/NS | Non-standard | 0% | 0.5% – 2.13% | 1.40% - 2.13% |
| Standard Life | Synergy Personal Retirement Savings Account N APP/R/1024/NS | Non-standard | 0% | 0.5% – 2.38% | 1.65% - 2.38% |
| Standard Life | Synergy Personal Retirement Savings Account O APP/R/1025/NS | Non-standard | 0% | 0% – 1.63% | 0.90% - 1.63% |
| Standard Life | Synergy Personal Retirement Savings Account P APP/R/1026/NS | Non-standard | 0% | 0.25% – 1.88% | 1.15% - 1.88% |
| Zurich | Aon Standard -- RFAR APP/J/163/S | Standard | 5% | 1% | |
| Zurich | Aon Standard -- RFAS APP/J/730/S | Standard | 0% | 1% | |
| Zurich | Zurich PRSA - RFAT APP/J/843/NS | Non-standard | 1.5% – 3% | 1.25% – 1.67% | 1.25% - 1.67% |
| Zurich | Zurich PRSA - RFAU APP/J/954/S | Standard | 0% | 1% | |
| Zurich | Zurich PRSA - RFAV APP/J/955/S | Standard | 1% | 1% | |
| Zurich | Zurich PRSA - RFAW APP/J/956/S | Standard | 2% | 1% | |
| Zurich | Zurich PRSA - RFAX APP/J/957/NS | Non-standard | 0% | 1.25% – 1.67% | 1.25% - 1.67% |
| Zurich | Zurich PRSA - RFAY APP/J/958/NS | Non-standard | 1% | 1.25% – 1.67% | 1.25% - 1.67% |
| Zurich | Zurich PRSA - RFAZ APP/J/959/NS | Non-standard | 2% | 1.25% – 1.67% | 1.25% - 1.67% |
| Zurich | Zurich PRSA - RFBA APP/J/1003/S | Standard | 0% | 0.5% | |
| Zurich | Zurich PRSA - RFBB APP/J/1004/S | Standard | 0% | 0.75% | |
| Zurich | Zurich PRSA - RFBC APP/J/1005/NS | Non-standard | 0% | 1.5% – 1.92% | 1.50% - 1.92% |
| Zurich | Zurich PRSA - RFBD APP/J/1027/NS | Non-standard | 0% | 0.75% | |
| Zurich | Zurich PRSA - RFBE APP/J/1028/NS | Non-standard | 0% | 1% | |
| Zurich | Zurich PRSA - RFBF APP/J/1029/NS | Non-standard | 0% | 1.1% | |
| Zurich | Zurich PRSA - RFBG APP/J/1030/NS | Non-standard | 0% | 1.35% | |
| Zurich | Zurich PRSA -- RFAA APP/J/406/S | Standard | -1.5% – 0% | 1% | |
| Zurich | Zurich PRSA -- RFAB APP/J/242/NS | Non-standard | 1.5% – 3% | 1% – 1.42% | 1% - 1.42% |
| Zurich | Zurich PRSA -- RFAC APP/J/739/NS | Non-standard | 0.5% – 2% | 0.75% – 1.17% | .75% - 1.17% |
| Zurich | Zurich PRSA -- RFAD APP/J/634/NS | Non-standard | -1.5% – 0% | 1% – 1.42% | 1% - 1.42% |
| Zurich | Zurich PRSA -- RFAE APP/J/463/NS | Non-standard | 3.5% – 5% | 1.75% – 2.17% | 1.75% - 2.17%1; 1.75% - 2.17% |
| Zurich | Zurich PRSA -- RFAF APP/J/589/NS | Non-standard | -1.5% – 0% | 1.5% – 1.92% | 1.5% - 1.92% |
| Zurich | Zurich PRSA -- RFAG APP/J/158/NS | Non-standard | 0.5% – 2% | 1% – 1.42% | 1% - 1.42% |
| Zurich | Zurich PRSA -- RFAH APP/J/385/NS | Non-standard | 0.5% – 2% | 1.5% – 1.92% | 1.5% - 1.92% |
| Zurich | Zurich PRSA -- RFAI APP/J/193/NS | Non-standard | 3.5% – 5% | 1.5% – 1.92% | 1.5% - 1.92% |
| Zurich | Zurich PRSA -- RFAJ APP/J/369/S | Standard | -1.5% – 0% | 0.75% | |
| Zurich | Zurich PRSA -- RFAK APP/J/842/NS | Non-standard | -1.5% – 0% | 0.75% – 1.17% | .75% - 1.17% |
| Zurich | Zurich PRSA -- RFAL APP/J/371/S | Standard | 3.5% – 5% | 1% | |
| Zurich | Zurich PRSA -- RFAM APP/J/779/NS | Non-standard | 3.5% – 5% | 1% – 1.42% | 1% - 1.42% |
| Zurich | Zurich PRSA -- RFAN APP/J/129/NS | Non-standard | 2% – 3.5% | 1.5% – 1.92% | 1.5% - 1.92% |
| Zurich | Zurich PRSA -- RFAO APP/J/953/S | Standard | 2% – 3.5% | 1% | |
| Zurich | Zurich PRSA -- RFAP APP/J/565/S | Standard | 0.5% – 2% | 1% | |
| Zurich | Zurich PRSA -- RFAQ APP/J/291/S | Standard | -1% – 1.5% | 1% |
Ranges reflect tiered or conditional published charging structures — see each product's notes and the methodology. A dash means the published charge could not be reduced to a number; check the notes and the original register.
Charges data as of August 2026. Source: The Pensions Authority — PRSA Products and Charges (retrieved 2026-09-01). Contains Irish Government Data licensed under a Creative Commons Attribution 4.0 International (CC BY 4.0) licence (licence).
How to read this table
Two separate charges appear on almost every Irish PRSA, and they behave very differently. Reading a table of pension fees means keeping them apart, because a product that looks inexpensive on one can be expensive on the other.
The contribution charge
A contribution charge is a one-off percentage taken from each payment before any of it is invested. A 5% contribution charge means €95 of every €100 you pay in reaches your fund and €5 does not. Because the money that never arrives also never grows, this charge costs more than its headline percentage over a long horizon — it removes not just the €5, but every year of compounding that €5 would have earned. Many products apply it in tiers, so the percentage falls once your contribution passes a threshold. Where the register publishes a tiered figure, this table shows the full range.
The annual management charge
An AMC is a percentage of your entire accumulated fund, deducted every year for as long as you hold the product. It applies to money you contributed decades ago as much as to money you paid in last month, which is why a difference of a fraction of a percentage point turns into a large euro figure over a working life. An AMC is often quoted as a range because the rate depends on which fund you select inside the product. Our guide on how pension fees compound works through the arithmetic with examples.
Standard and non-standard PRSAs
A standard PRSA is capped by law: the contribution charge cannot exceed 5% and the annual management charge cannot exceed 1%, and the product can only invest in pooled funds. A non-standard PRSA carries no statutory charge cap and can offer a wider investment range, including individual assets. The distinction is the single most useful thing to know before reading any Irish pension charges table, and it is explained in full in our guide to standard versus non-standard PRSAs.
Of the 212 approved products in the August 2026 register, 63 are standard and 149 are non-standard. Every standard product in the register publishes charges inside both statutory caps.
The range of published charges
These are the observed extremes across the whole register, stated as published. They describe the spread of the market, not the merits of any product, and a figure at either end of a range tells you nothing on its own about fund choice, service or investment options.
- Published AMCs on standard PRSAs span 0.05% – 1%, with 52 of the 63 standard products reaching the 1% statutory ceiling.
- Published AMCs on non-standard PRSAs span 0% – 3.5%, and 132 of the 149 non-standard products publish an AMC above the 1% level that would apply to a standard PRSA.
- 21 standard products publish no contribution charge at any tier, meaning the full amount of each payment is invested.
These figures are recalculated from the register every time the site is built, so they move with the data rather than being written down once.
What the published charges leave out
The register records the charges a provider has published for a product. Several real costs and conditions sit outside it, so two products with identical published figures can still differ in what they actually cost you:
- Fund-level costs. Transaction costs and other expenses incurred inside a fund are not part of the published AMC.
- Adviser and intermediary charges. Anything agreed separately with a broker or adviser is outside the register entirely.
- Conditions and time limits. Some figures apply only above a contribution threshold, only for an introductory period, or only to particular funds within the product. Where the register notes such a condition, it appears in the table's notes column.
- Timing. The register is published quarterly. A provider can change its charges between editions, and this table reflects the August 2026 edition retrieved on 2026-09-01.
Charges are also only one input. Fund choice, investment mix, contribution level, service and your own time horizon all bear on the outcome, and this site does not assess any of them. Before acting on anything here, confirm the current figures against the provider's own documentation and take advice from an adviser regulated by the Central Bank of Ireland.
Related pages
- PRSA fee calculator — put your own figures against a product's published charges.
- What is a PRSA? — how the product works and who can open one.
- Pension tax relief by age — the age-related limits on relievable contributions.
- PRSA providers — the same charges grouped by provider.
- Reference figures — tax relief limits, the Standard Fund Threshold and State Pension rates.
- Methodology — how these figures are transcribed from the register.