Terms of Business
Valid from January 2026
This page summarises the basis on which Eolas Money Management Ltd, trading as Eolas Money, provides services to you as a client of the firm. The full document is the authoritative version: download the Terms of Business, October 2026 (PDF).
Who we are and how we are regulated
Eolas Money Management Ltd, T/A Eolas Money, is registered in Ireland, company number 478055. Our registered address is Ard Gaoithe Commercial Centre, Cashel Road, Clonmel, Co. Tipperary. Our Central Bank authorisation number is C56223.
Eolas Money Management Ltd is regulated by the Central Bank of Ireland as:
- an Investment Intermediary authorised under the Investment Intermediaries Act 1995,
- an Insurance Intermediary registered under the European Union (Insurance Distribution) Regulations 2018,
- a Mortgage Intermediary under the Consumer Credit Act 1995,
- a Mortgage Credit Intermediary under the European Union (Consumer Mortgage Credit Agreements) Regulations 2016, and
- a Debt Management Firm under Part V of the Central Bank Act 1997.
Copies of our regulatory authorisations are available on request. The Central Bank of Ireland holds registers of regulated firms - you can verify our regulatory status at www.centralbank.ie. We are also a member of Brokers Ireland, and we are subject to the Consumer Protection Code, the Minimum Competency Code and the Fitness & Probity Standards, all of which offer protection to consumers.
Our services
We offer financial advice to employers and individuals. Our services include income advice; banking, budgeting and money management advice; savings and investments advice; protection advice; debt management advice; loans, borrowings and mortgage advice; retirement planning advice; and general financial wellbeing advice.
Eolas Money acts as a broker: the principal regulated activities of the firm are provided on the basis of a fair and personal analysis of the market, and you have the option to pay in full for our services by means of a fee.
Our fees
We are remunerated in four ways, agreed with you in advance:
- Hourly fees - for life, pensions (including PRSAs) and savings & investments advice we charge €250 + VAT per hour or part thereof.
- Initial financial planning fees - €1,800 for a single person, €2,400 married/partnered, inclusive of VAT.
- Product implementation fee or commission - where a product is required, you can pay us by fee (at our hourly rate) or we can be paid commission by the product provider. Last-minute AVCs are €1,000 per product. For debt management services, the initial consultation is €500 + VAT.
- Ongoing advice / management fees - paid by investment managers or product providers, deducted from your investment funds and disclosed to you.
For mortgages, we may receive up to 1% of the loan amount in commission from the lender, disclosed in your European Standardised Information Sheet. We reserve the right to charge a non-refundable mortgage application fee of €800 + VAT at initial application stage.
Where we receive a commission from a product provider, it can be offset against the fee we would otherwise charge for arranging the product. Full details, including debt-management fee information required by law, are in the Terms of Business PDF.
Conflicts of interest and vulnerable clients
It is our policy to avoid conflicts of interest. Where an unavoidable conflict arises, we will advise you of it in writing before providing any service; a full copy of our conflicts of interest policy is available on request. We also operate a Vulnerable Client Policy, summarised in the full document.
Investor compensation
We are members of the Investor Compensation Scheme operated by the Investor Compensation Company Ltd under the Investor Compensation Act 1998. We are also a member of Brokers Ireland.
If you are unhappy
You have the right to complain, and complaints are handled in accordance with our complaints procedure.