AIB Student Plus Account

Join us in the first term. We do more for you over the long term.

For many students, college represents a first taste of real freedom and the start of a few fun filled years. But with this new found freedom also comes the responsibility of managing your money, that’s why we’ve set up the AIB Student Plus Account. It’s designed to make it easy for you to manage your finances, so it doesn’t interfere with your studies or your socialising. We have dedicated Student Advisers to help you along the way and we’ve thrown in some great rewards for using your account too.

When you open or convert to an AIB Student Plus Account between the 19th May 2010 and the 29th October 2010 you can avail of the following benefits:

Free Student Travelcard*

 and

Exclusive offers, discounts and competitions on www.stuff4students.ie

An AIB Student Plus Account ticks all the boxes for your student banking needs and rewards you for using your account. As well as the exclusive benefits outlined above as an AIB Student Plus Account holder you can benefit from:

Banking Free of Maintenance and Transaction Fees **

You will not be charged account maintenance or transaction fees on you AIB Student Plus Account

Service Charges**^†

You are exempt from paying service charges with the exception of the following:

• Cheques lodged to your account and returned unpaid 
• Cheques, direct debits or standing orders presented on your account and returned unpaid 
• Same Day Value Payments
• International Transaction Charges

AIB Debit Card

The AIB Debit Card is a combined payment card with Chip & PIN security technology. It lets you make purchases at Point of Sale (POS) and cash withdrawals at ATMs in Ireland and abroad. You can also use it to shop online on websites that accept Laser. It helps you control your spending too, as you can only spend the available balance in your account.

Note: POS and ATM transactions in currency other than in euro attract currency conversion fees and commission charges

Interest Free Overdraft

We offer an Interest Free Overdraft of up to EUR1,500 which gives you easy access to funds and provides peace of mind that additional funds are accessible when you need them. Contact your local AIB branch or our dedicated Student Centre for assistance by calling 1890 STUDENT/1890 788 336 (lines open 8am-9pm Monday to Friday, and 9am-6pm Saturday).

Reduced Rate Loans

With a flexible Personal Loan from AIB you can avail of the following benefits:

• Unscheduled Repayments - You have the option of making unscheduled, additional repayments to your loan at any time with no penalty. This can be done either through your branch or AIB Internet Banking and as your monthly repayments will stay the same your loan term will be shorter and the cost of your loan will be reduced.
• Other Flexible Repayments - Choose from options such as repayment holidays or interest only repayments and let your repayments suit your lifestyle.

  Note: The above flexible repayment options may impact on the amount and/or term of your loan.

• Low Interest Rates - Students can apply for a Personal Loan at a special reduced rate of 1.5% off the Bank’s Standard Variable ‘A’ Personal Loan Rate.

mc² Student MasterCard

This credit card is specifically designed to meet the lifestyle of a full-time third level student. A convenient way to shop online and pay for day to day expenses, it allows you to pay for a student lifestyle on a schedule that fits your budget. Some ATMs, vending machines and POS devices may not have the technology to accept this card and may reject or retain it due to its design.

Foreign Exchange **^†

You will pay no commission charges when you buy or sell foreign currency notes or if you cash or lodge traveller’s cheques.

Note: In order to receive this benefit you must identify yourself as a AIB Student Plus Account holder and request the benefit at the time.

Interest Paid on Credit Balances

You will earn a variable interest rate on the cleared credit balances on your AIB Student Plus Account.

AIB Phone and Internet Banking

AIB Phone & Internet Banking lets you manage your account at home in college or even while travelling. With AIB Phone & Internet Banking you can:

• Check the balance and recent transactions on your accounts and sign up for eStatements
• Pay bills including ESB, Gas, NTL, AIB Visa, mc2 Student MasterCard, Vodafone, O2 and Meteor
• Transfer money between accounts in AIB, other banks in the republic of Ireland and internationally. Please note that the International Payments service is not available on AIB Phone Banking
• Top Up your mobile
• Set up, amend or cancel standing orders
• Open an AIB Notice Deposit 7 Account and/or Online Personal Savings Plan

To register for AIB Phone & Internet Banking call 1890 724 724, 9am to 9pm, Monday to Friday. Alternatively register today.

You may need an AIB Code Card to use some of these services. You can find more information on the AIB Code Card at www.aib.ie/codecard

AIB Top Up by Text

AIB Top Up by Text is the easy way to top up your mobile phone. You can top up with a free text message to 50131, even if your phone is out of credit! It also lets you top up your mobile with a free text when roaming abroad.

Note: You must be registered for AIB Phone & Internet Banking to avail of this service.

Savings Options

Saving can't be easy on a student budget, but when you get into the savings habit, you'll always have cash to hand for special occasions, travel - or whatever else might come along. For more information on the range of savings options available to you call 1890 724 724 visit www.aib.ie/savings or drop into any AIB branch for further details.

Doing your bit to ‘Add more green’

As an AIB Student Plus Account holder you can help us help the environment by:

• Switching to eStatements on AIB Internet Banking. With eStatements you receive your statements online instead of receiving paper statements by post. You need to be registered for AIB Phone & Internet Banking and will require an AIB Code Card to switch and view your eStatements.
• For every customer that switches to eStatements, AIB will make a donation towards our ‘Add more green’ Fund which contributes to environmental projects in Ireland and aboard. Fore more information click on www.aib.ie/csr
• Use your free Student Travelcard* to take public transport reducing carbon emissions and improving your carbon footprint.

AIB Student Advisers

Our Student Advisers are here to provide you with ongoing support and advice throughout your college life.

• To make it easier for you, they’re based in branches on or near your campus
• They can help you to apply for an Overdraft, reduced rate loan, mc2 Student MasterCard, open a savings account or even just help you manage your money more effectively.

Alternatively you can contact our dedicated Student Centre for assistance by calling 1890 STUDENT/1890 788 336 (lines open 8am-9pm Monday to Friday, and 9am-6pm Saturday).

Who can avail of an AIB Student Plus Account?

The AIB Student Plus Account is available to any person enrolling or currently engaged in any full-time third level educational course, which includes full-time post-graduate studies, with a minimum duration of one academic year.

Want to open an account? Here’s what to do next.

Speak to a Student Adviser in your local AIB branch and apply for a new AIB Student Plus Account or convert your existing Current Account today. Alternatively you can fill out our Student Plus Account Application form available through our application form at the top of the page and drop it into your local AIB branch. Contact our dedicated Student Centre on 1890 788 336 for any financial assistance you may require. Our phone lines are open Monday to Friday 8am to 9pm and Saturday 9am to 6pm.

* This offer is restricted to first year third level students who open or convert to an AIB Student Plus Account between 19^th May 2010 and 29^th October 2010 inclusive and can only be availed of once by each customer. If you avail of the Student Travelcard offer on campus, or in agents, you must pay a photo fee of €3. See Terms and Conditions and Important Regulatory information for the AIB Student Plus Account.

** Other charges still apply. Full details of all the fees and charges associated with a personal current account are contained in 'A Guide to Fees and Charges for Personal Accounts'. Foreign currency fees and charges are also in our 'Schedule of International Transaction Charges' brochure. These brochures outline the fees and charges applicable to your account and how to avail of the exemptions offered. Both brochures are available from any branch of AIB and online at www.aib.ie.

^† In order to receive this benefit you must identify yourself as an AIB Student Plus Account holder and request the benefit at the time.

Important / Regulatory Wording

• Important Regulatory Information for an AIB Student Plus Account and Associated offers
• Terms and Conditions for an AIB Student Plus Account and Associated offers
• A Guide to Fees and Charges for Personal Accounts

Back to Top