AIB uses cookies to enhance your browsing experience and to create a secure and effective website for our customers.
By using this site you agree that we may store and access cookies on your devices, unless you have disabled your cookies.
AIB Debit Card Fees and Charges
Published Date 11th September 2012
| Point of Sale Purchase and Cash Withdrawal Transactions | EUR 0.20 |
Transactions in euro incur no other charges.
Non-euro transactions also attract additional charges as follows:
Currency Conversion Fees
| Point of Sale Purchase Transactions | 1.75% of euro value (Minimum of EUR 0.46, Maximum EUR 11.43) |
| Cash Withdrawal Transactions | Up to 3% of euro value depending on currency |
Commission Charges
| Cash Withdrawal Commission | 1% of euro value (Minimum EUR 1.27, Maximum EUR 6.35) |
Scheme Charge
A MasterCard Scheme Charge also applies to all non-euro currency transactions:
| Transaction Location | MasterCard Scheme Charge |
|---|---|
| Within MasterCard Europe Region | 0.10% of value |
| Outside MasterCard Europe Region | 0.39% of value |
| Point of Sale Purchase, Contactless* and Cash Withdrawal Transactions | EUR 0.20 each |
*The transaction fee on Contactless transactions will be waived until 29th November 2013.
Transactions in euro incur no other charges.
Non-euro transactions also attract additional charges as follows:
Currency Conversion Fees
| Point of Sale Purchase including Contactless Transactions | 1.75% of euro value (Minimum EUR 0.45, Maximum EUR 11.00) |
| Cash Withdrawal Transactions | 2.5% of euro value |
Commission Charges
| Cash Withdrawal Commission | 1% of euro value (Minimum EUR 2.00, Maximum EUR 6.00) |
| ATM Transactions | EUR 0.20 |
Transactions in euro incur no other charges.
Non-euro transactions also attract additional charges as follows:
Currency Conversion Fees
| ATM Cash Withdrawal Transactions | Up to 4% of euro value depending on currency |
Commission Charges
| ATM Cash Withdrawal Commission | 1% of euro value (Minimum EUR 1.27, Maximum EUR 6.35) |
Where applicable, account transaction fees are charged to your account quarterly. The fee quarters end on the last working Friday of February, May, August and November each year. Where currency conversion fees and MasterCard scheme charges apply (Maestro only), they are included in the amount debited to your account for the transaction. Any commission charge will be shown separately.
Other third party charges including local Banks or ATM surcharges may possibly apply to cash withdrawals. These charges are outside of our control and where applied may be included in the transaction value notified by those banks to AIB.
Full details on fee quarters and all the fees and charges that will apply to your new AIB Debit Card are contained in "A Guide to Fees and Charges for Personal Accounts". Foreign currency fees and charges are also detailed in our "Schedule of International Transaction Charges" brochure. Both publications are available from any AIB branch.
Government Stamp Duty
Debit Cards are liable to an annual Government Stamp Duty charge which is applied in January, for the previous year. Under current legislation the following Government charges apply:
EUR 2.50 per card applies where the card is used for either an ATM/in-branch transaction or a point of sale transaction and EUR 5.00 per card applies where the card is used for both.