Finance Bill 2025: Key VAT Changes

On 16 October, the Department of Finance released the first draft of Finance Bill 2025. This Bill sets out the proposed legislative changes required in order to implement the Budget Day announcements of 7 October. In addition to what was announced in the Budget, the Bill also proposes to introduce a number of new measures.

VAT Rate Changes 

The Bill formally legislates for the VAT rate changes announced in the Budget, including:

  • Electricity & gas
    1. The temporary 9% VAT rate for the supply of electricity and gas has been extended until 31 December 2030.
  • Food & drink for human consumption & Hair dressing services
    1. The VAT rate for food & drink for human consumption supplied in the hospitality sector, excluding soft drinks and alcoholic beverages, but including hot tea and coffee, will reduce to 9% with effect from 1 July 2026.
    2. The VAT rate on the supply of Hair dressing services will reduce to 9% with effect from 1 July 2026.
  • Supply of Apartments
    1. From 8 October 2025 to 31 December 2030, the supply of residential apartments in an apartment block within the meaning of section 31E of the Stamp Duties Consolidation Act 1999 (“SDCA 1999”) will be subject to VAT at the 9% rate.

Section 31E SDCA 1999 defines an apartment block as “a multi-storey residential property that comprises, or will comprise, not less than 3 apartments with grouped or common access”.

The term “apartment” is not defined for the purposes of section 31E,  but published Revenue guidance in relation to this section would suggest it should be interpreted as “being a room or a group of related rooms, among similar sets in one building, designed for use as a dwelling”.


VAT rate on rooms in hotels and guesthouses used other than as accommodation

The bill amends legislation to confirm that, with effect from 1st January 2026, the hire of rooms in hotels and guesthouses for use other than as accommodation will be subject to VAT at the standard rate (currently 23%).

The purpose of this amendment is to level the playing field so that other facility providers that do not provide accommodation rooms are not at a competitive disadvantage such as those engaged in hiring rooms for conferences or meetings.


Flat-Rate Addition

As outlined in the Budget, the Bill confirms that with effect from 1 January 2026, the flat-rate addition for farmers will decrease from 5.1% to 4.5%. The Flat Rate Addition compensates farmers who are not VAT registered for VAT incurred on their purchases.


Waiver of Exemption

The Bill amends VAT legislation to provide for the removal of the VAT on property waiver of exemption provisions, and for the cancellation of all waivers of exemptions from the date of the passing of the Finance Act 2025

The Bill also provides for the deletion of certain legislative references which should no longer be necessary as a result of the above amendments.


Financial Services

The Bill amends VAT legislation to provide that the supply of financial services which consist of the managing of the Automatic Enrolment Retirement Savings Systems are exempt from VAT.


Persons not accountable persons unless they so elect

The bill amends VAT legislation to align the time period to be reviewed when undertaking the VAT registration assessment of farmers, with all other businesses, as required by EU VAT legislation.

It also clarifies that turnover from activities excluded from the flat-rate addition under an order as provided for in VAT legislation should be included in such an assessment.


Penalties

The bill amends VAT legislation to clarify that a penalty of €4,000 may be applied from the day after the filing date by which a Payment Service Provider is required to report data on certain cross-border payments. The return period is calendar quarterly and the filing date is the last day of the month following the period (i.e., Q1 CESOP return is due on 30 April).

A further penalty of €4,000 may be applied from the day after subsequent filing dates where the Payment Service Provider has still failed to report that data.


We are here to help, so please get in touch with us if you have any queries or you wish to discuss the practical implications of any of the above changes in more detail.