The survey, carried out for the annual Money Show at the RDS next weekend reveals that some 47% are worried about levels of personal debt and 78% believe the Irish are in danger of overborrowing. The figures reinforce recent warnings by the Central Bank about the "worrying development" of accelerating house price inflation - now running at 11%. The Central Bank warned that house price increases coincided with the easing of credit conditions by mortgage-lenders. The ratio of personal debt to disposable income now stands at 132% - up from 115% in 2004.

Mortgage lending grew by 30% last year - a growth rate which Friends First chief economist Jim Power said last week was "simply unsustainable".

Power criticised the banks at a property conference organised by the Real Estate Alliance grouping, saying their unrestrained policies were adding to house price inflation and could leave overstretched buyers vulnerable if the economy took a downturn.

The survey also reveals a remarkable level of ignorance about personal finances with 19% of people unaware of the interest they receive on their savings.

A majority of Irish customers, 62%, are ready to switch banks - but 70% believe moving their account would cause too much hassle.

The findings also reveal confusion over the detail of different financial products, and dissatisfaction with the extent of banking services. Irish banks are also accused of failing to adequately inform SSIA customers of further investment opportunities.

With a large proportion of the �?�16bn in SSIA savings to be released next year likely to go into property, the Money Show results indicate 57% of those surveyed believe banks provide insufficient information on investment opportunities, while 78% claim the banks do a bad job of explaining what those opportunities are.

Money Show event director Caroline Malone says "This survey has revealed to us the need for clearer information and choice for consumers whether saving or investing. People are increasingly time-poor and want easily understood financial options. " The online survey of previous Money Show visitors was conducted in February to assess consumer needs in the run up to the expiry of SSIAs, and to measure changes in attitudes towards personal finance issues.

The event takes place on 22 and 23 April. It is now in its third year, attracts over 4,500 visitors and showcases various financial opportunities. It will this year feature around 40 exhibitors, including experts in equities, personal finance and property investment.