Student Plus Account Regulatory Information
Important/Regulatory Information
1. 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. For Student Loans, a typical EUR1000 three-year loan to students will have monthly repayments of EUR32.09 APR 10.06%. If the APR does not vary during the term of the loan the total cost of credit of this loan i.e. total amount repayable less the amount of the, would be EUR155.24.
2. The AIB Student Plus Account, associated benefits and any promotional offers or discounts offered in connection with same replace any other benefits, promotional offers or discounts that may have been advertised. The AIB Student Plus Account and associated benefits, and any promotional offers or discounts are subject to change.
3. The AIB Student Plus Account Terms and Conditions are available from any branch of AIB and from www.aib.ie
4. Banking Free of Maintenance and Transaction Fees does not extend to the following charges:
- Government Charges
- Special same day high value payments
- Cheques lodged to your account and returned unpaid
- Direct debits or standing orders presented on your account and returned unpaid
- Referral fees.
In addition, it does not extend to the following foreign currency charges:
- Sale of international euro and foreign currency bank drafts
- Non euro currency card transactions (Purchase and ATM)
- International payments (inwards and outwards).
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 Current Accounts'. Foreign currency fees and charges are also detailed in our 'Schedule of international transaction charges' brochure. Both brochures are available from any branch of AIB.
5. Government Stamp Duty of EUR30 is charged annually per credit card account. Debit Cards are liable to annual Government Stamp Duty charge which is applied in January of each year. Currently EUR5.00 per card applies where the card is used for either an ATM/In Branch transaction or a Point of Sale transaction, and EUR10.00 per card applies where the card is used for both.
6. You must hold an AIB Student Plus Account to apply for the offered benefits or discount on an overdraft and/or a Personal loan, for an AIB mc˛ Student MasterCard Credit Card or for Commission-Free Foreign Exchange.
7. Each product has its own specific terms and conditions which also apply. Rates are correct as at 18th November 2008 and are subject to change.
Terms and conditions apply. Allied Irish Banks, p.l.c. is regulated by the Financial Regulator.