Personal Bank Account

You can earn 0.25% AER on credit balances up to EUR 1,000. To qualify for interest, all you have to do is use our phone or internet banking services at least once during the relevant fee quarter. You must be registered for AIB Phone & Internet Banking to qualify - simply call 1890 724 724 to register today.

Benefits of the Personal Bank Account

A way to bank free of maintenance and transaction fees*

When we open a personal Current Account for you we will give you an AIB Debit Card and register you for AIB Phone & Internet Banking.

To qualify to bank free of maintenance and transaction fees, all you need to do each fee quarter is to make a purchase with your AIB Debit Card AND use AIB Phone & Internet Banking to make a debit transaction like paying a bill. Please refer to our Related Information section for more details.

Your AIB Debit Card

Your AIB Debit Card is widely accepted at supermarkets, petrol stations, department stores and other retail outlets. It is also accepted world wide in over 120 countries at millions of retail outlets and ATMs where the Maestro and Link symbols are displayed. You can also use your card to pay for goods and services by phone and over the internet where Laser is accepted.

AIB Phone & Internet Banking

With AIB Phone & Internet Banking you have access to your accounts at a time and a place that is convenient to you. You can check the balance on your account, pay a range of bills, transfer money to any account in the Republic of Ireland and abroad, top up a mobile, order a statement and do much more.

Regular Statements

Easy-to-read personal current account statements, listing all your account transactions in Euros (you can also get this information anytime through AIB Phone & Internet Banking).

eStatements

AIB Internet Banking offers you the choice to receive your current account statements online instead of receiving paper statements by post. Before you can switch to eStatements you will need to be registered for AIB Phone & Internet Banking and have an AIB Code Card.

Overdraft facility

Arranging an overdraft can help you get through those times when you run out of cash unexpectedly. It allows you to access additional funds on your account up to an agreed figure. Overdrafts are subject to terms, conditions and financial status and are not available to persons under 18 years of age.

Up to 1,000 more places to bank with AIB

AIB and an Post can make your banking more convenient than ever. You can do a significant part of your banking at your local Post Office.

Please view our Related Information section for more details.

Exemption from fees and charges

There is no change to the existing free maintenance and transaction banking arrangements for customers with the following account types: Online Overdraft, Gain, Masterplan, Student Accounts and Graduate Accounts. You may also be exempt from fees and charges* if you have an AIB Debit Card and are registered for AIB Phone & Internet Banking.

*Other charges still apply. Please see our booklet 'A Guide to Fees and Charges for Personal Accounts'. This offer is available until further notice.

A.E.R. is the annual equivalent rate.
Details of our current rates are correct at 27/01/09. They may vary from time to time. Details of our correct rates are displayed on posters in our branches.

For the purpose of earning credit interest, a month means the period starting on day 16 of each month and ending on day 15 of the following month. When day 15 occurs on a weekend or public holiday the monthly period will end on the previous working day and the start date for accrual of credit interest for the next month will be the next calendar day.

Terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age. Security may be required. A Facility Fee of EUR25.39 per annum or per overdraft sanction will apply
Debit Cards are liable to annual Government Stamp Duty. Currently EUR2.50 per card applies where the card is used for either an ATM/in branch transaction or a Point of Sale transaction, and EUR5.00 per card applies where the card is used for both. Government Stamp Duty of EUR 0.50 per cheque applies.

Allied Irish Banks, p.l.c. is regulated by the Financial Regulator.

Fees and charges

View our Personal Account Fees and Charges in our Related Information Section.

View our Interest Rates in our Related Information section.

Legal Notice

Terms and Conditions apply.

• Terms and Conditions for Current Accounts and Demand Deposit Accounts

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