AIB Personal Bank Account


Overdraft available

fees available

  • Internet banking available
  • In branch banking available
  • eStatements available

You can now use your Android phone to make contactless payments wherever you see the contactless payment or Android Pay symbols. You must have an AIB Debit Card or an AIB Personal Credit Card in order to use Android Pay. Simply download the app to your android phone. Add your AIB debit and credit cards. Hold your Android phone near the contactless reader. It will beep and/or vibrate to show that your payment has been made.

Features & Benefits
  • Fee-Free banking if you maintain €2,500 at all times
  • Access your account online, check your balance, transfer money between your accounts and make payments.
  • An overdraft facility is available
  • Internet banking available
  • In branch banking available
  • eStatements available
Quarterly fee €4.50
ATM transaction fee €0.35
In-branch transaction fee €0.20
Internet transaction fee €0.20
Telephone banking transaction fee €0.20
Cheque transaction fee €0.39
ATM non-euro cash withdrawal charge 1.75% (Currency conversion fee of up to 2.5% plus commission of 1%. Minimum commission €2. Maximum commission €6.)
Transactions & Charges
Standing order setup fee €0.00
Standing order commission €0.00
Standing order transaction fee €0.20
Standing order amendment €0.00
Standing order unpaid fee €10.00
Direct debit setup fee €0.00
Direct debit unpaid fee €10.00
Cheque unpaid fee (outward) €10.00
Cheque unpaid fee (inward) €4.45
Referral fee €5.15
Replace lost or stolen ATM or debit card €0.00
Stop instruction fee €0.00
PIN replacement fee €0.00
Credit transfer fee €0.00
Duplicate statement fee €3.00 (per page)

Overdraft available

fees available

AIB Personal Bank Account

Personal current account customers who maintain a minimum daily credit statement balance of €2,500 in the account for each fee quarter can qualify for maintenance and transaction free banking.

If you are over 18 and living in the Republic of Ireland, all you need for your application is: i) proof of ID, ii) proof of address, iii) proof of PPSN / Tax Reference Number.

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