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The Bank Reference Letter For Account Opening is a crucial document in the Irish banking system, used when individuals or businesses need to establish new banking relationships while demonstrating their creditworthiness and banking history. This document is particularly important in the context of Irish and EU banking regulations, which require strong customer due diligence and anti-money laundering measures. The letter serves as an official communication between financial institutions, providing essential information about a customer's existing banking relationship, including account conduct, relationship duration, and general standing with the issuing bank. It helps receiving banks assess potential customers while complying with regulatory requirements under Irish banking law, the Criminal Justice (Money Laundering and Terrorist Financing) Act, and relevant EU directives.

1. Bank Letterhead and Date: Official letterhead of the issuing bank including full contact details and date of issuance

2. Recipient Details: Name and address of the receiving bank, including specific department or officer if known

3. Customer Identification: Full legal name and address of the customer for whom the reference is being provided

4. Account Relationship Details: Duration and nature of the banking relationship with the customer

5. Account Conduct Statement: Statement about how the customer has maintained their account(s)

6. Disclaimer: Standard disclaimer regarding the confidential nature of the information and limitation of liability

7. Signatory Block: Authorized bank officer's signature, name, position, and contact information