Take the stress out of managing your money with a SavviPay Budget Account. This smart budgeting tool lets you spread the cost of all your household bills evenly across the year — so no more nasty surprises, no more scrambling when big bills land, and no more juggling due dates.

With SavviPay, you pay one regular amount and we take care of the rest.

A SavviPay Budget Account allows you to spread your bills evenly over 12 months. You can include both regular and irregular expenses, such as:

1. Mortgage or rent
2. Electricity, gas, phone and internet
3. Car tax and insurance
4. Property tax
5. School fees
6. And even annual expenses like Christmas, birthdays or other once-off costs

You simply estimate your annual costs for each bill when you apply. We total everything up and add a 5% contingency to cover any unexpected increases. This contingency is there as a safety buffer—and if you don’t use it, you can withdraw it at year end.

Your total annual amount is then divided into manageable payments based on how you’re paid – Monthly / Weekly / Fortnightly

That amount is paid into your SavviPay Budget Account by Direct Debit or Deduction at Source (these are the only accepted payment methods). From there, all your bills are paid — simple.

Once your account is set up, you’ll receive aunique IBAN just for your SavviPay Budget Account.

1. You can set up your regular bills by Direct Debit from this account (this is the preferred method).
2. For bills that can’t be paid by Direct Debit (like car tax or some annual expenses), you can transfer funds online or contact Savvi to move money to your nominated bank account.

• The account runs on a rolling 12-month basis and renews automatically each year with the same amounts unless you make changes.
• You’re encouraged to review your bills before renewal and update your figures if needed.
• You can open an account at any time during the year. Your account will always start from the 1st of the following month.
• We allow the account to go temporarily overdrawn (at no extra charge) to ensure your bills are paid, as long as your regular payments are coming in and there are no previous arrears.
• If you’ve overbudgeted, any unused money is moved into a “surplus” balance at year end. You can withdraw this at any time or leave it there for next year’s bills.

What does it cost?

€48 per year flat fee. No other charges and no fees for temporary overdrafts. That’s it—just one simple annual fee for year-round peace of mind.

How to apply

1. Download the application form using the button above
2. Fill it in with your estimated annual bills
3. Send it back to us by post, email, or drop it into any branch
4. A Savvi team member will review your application and contact you if there are any questions
5. Once everything is confirmed, we’ll set up your SavviPay Budget Account and send you your welcome details

Why choose SavviPay?

Because budgeting shouldn’t be stressful. With one regular payment, your bills are planned, covered, and under control—so you can get on with living, not worrying.