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Top Up by Text

Top Up by Text allows AIB Phone & Internet Banking customers to Top Up prepaid mobile phones with a free text message to 50131.

In order to use the service, customers must register their mobile phone details using AIB Internet Banking (www.aib.ie/internetbanking) or by calling AIB Phone Banking on 0818 724 724.

Once you have registered you can use the service from your phone e.g. to Top Up your own registered phone by EUR15 simply text "topup" to the Top Up by Text number 50131. For more details on how to use the service, how to Top Up by a different amount or how to Top Up someone else’s phone, view our  How to Use Top Up by text section. The Top Up by Text service is available on all Vodafone, O2 and Meteor numbers with an 087, 086 or 085 prefix only.

If you are not an AIB Internet Banking customer and wish to avail of this service, and the many additional services and benefits of AIB Internet Banking, simply view our Next Steps section to register today.
Terms and Conditions apply

Benefits of Top Up by Text
Features of Top Up by Text
Important Security Notes
Service Availability
Service Fees & Charges
How to register for AIB Internet Banking
How to register for Top Up by Text
How to use Top Up by Text
How to unsubscribe from Top Up by Text
Contact Us


View Top Up by Text FAQ's in our Related Information section.

Benefits of Top Up by Text

  • The service is convenient - allowing you to Top Up using your own mobile phone;
    All text messages relating to this service are FREE. However, the standard automated/self service transaction fee of EUR0.20 applies for each transaction.
  • It's simple and easy to use - with a handy short command i.e. TOPUP;
  • You can Top Up your phone when you have zero credit as there are no text message charges for this service;
  • You can Top Up while abroad (please note that availability while roaming is dependent on your mobile operator. Additional operator charges may apply.);
  • You can Top Up your own phone or any other pre-paid phone.


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Features of Top Up by Text

  • You can Top Up your phone in amounts between EUR10 and EUR40 in multiples of EUR5;
  • Credit is applied to your phone within 15 minutes;
  • Top Ups can be completed using both bill pay and pre paid registered phones i.e. you can Top Up someone else's pre-paid phone even if your phone is a bill pay phone;
  • The service is secure - you can only initiate requests to Top Up a phone from the mobile phone number which you register with us through our secure and authenticated AIB Internet Banking channel. To confirm the Top Up by Text request you will be asked to submit random digits from your Personal Access Code (PAC).
  • If you change networks and retain your existing phone number, e.g. move from Vodafone but retain your 087 number, you do not have to re-register - you can continue to use the Top Up by Text service; If you change phone numbers you can continue to Top Up by simply amending your phone number by selecting the Top Up by Text from the Mobile Top Up section on AIB Internet Banking.


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Important Security Notes

It is important that you delete all messages sent or received relating to Top Up by Text. This includes any messages saved in your "sent" folder on phones that have this feature.

For security reasons, your Top Up by Text request will time-out if you do not reply or receive a response within fifteen minutes.

You will only receive a text message from AIB in relation to the Top Up by Text service from our specific shortcode 50131. Should you receive a request for your banking details e.g. Personal Access Code (PAC) from any other number please do NOT reply and report any such incidents to us immediately by email to alert@aib.ie or by calling 0818 724 724.

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Service Availability

Top Up by Text is available to all AIB Internet Banking customers, on most mobile networks in the Republic of Ireland (i.e. O2, Meteor or Vodafone) and while roaming abroad. Availability while roaming is dependent on your mobile operator and additional operator charges may apply.
Top Up by Text is available between 7.00 a.m. and 3.00 a.m. The services will be unavailable for periods of time outside these hours (i.e. between 3.00 a.m. - 7.00 a.m.)

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Service Fee & Charges

There is no text message charge for using Top Up by Text. However, the standard automated/self service transaction fee of EUR0.20 applies for each Top Up by Text transaction (Please click here  to see how you can bank free of maintenance and transactions fees) This transaction fee will be debited from your account, as detailed in your quarterly Fee Advice statement.


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How to register for AIB Internet Banking

You can register for Top Up by Text three ways:

  • Online through AIB Internet Banking

    Apply in our Next Steps section.

  • By Phone

    Call 1890 724 724 to speak with one of our Customer Service Advisers.

  • Call to a branch

    Call into your nearest AIB branch with photographic identification, complete an application form and you will be registered immediately


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How to register for Top Up by Text on AIB Internet Banking

Step 1: Log in to AIB Internet Banking
Step 2: Click 'Mobile Top Up' on the left of the screen
Step 3: Click the 'Top Up by Text' tab at the top of the page
Step 4: Enter your 10 digit mobile phone number
Step 5: Select whether your phone is a Prepaid or Billpay phone
Step 6: Select the account you wish to debit for the amount of the Top Up
Step 7: When you click 'Next' you will be requested to enter one random digit of your PAC.
You are now registered for Top Up by Text and can start topping up immediately.
Handy Hint: It's a good idea to save AIB's 50131 number as "AIB Top Up by Text" in your mobile contacts, so you don't need to remember the number.


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How to use Top Up by Text

Step 1

To Top Up your own registered phone by EUR15, text TOPUP to 50131
To Top Up your own registered phone for any other value, text 'TOPUP' and the value of the top up required separated by a space to 50131, e.g. 'TOPUP 20' (You can Top Up your phone in amounts between EUR10 and EUR40 in multiples of €5)
If you want to Top Up another pre-paid phone, simply text the word TOPUP, the value required, the phone number you wish to Top Up and mobile phone provider (O2, Meteor or Vodafone) all separated by spaces to 50131, e.g. topup 30 0871234567 vodafone.

Note you can abbreviate the name of the provider to a single letter i.e. V (Vodafone), O (O2), M (Meteor) e.g. TOPUP 30 0871234567 v


Step 2

You will receive a response from AIB confirming your request and requesting three random digits of your Personal Access Code (PAC)

Step 3

Reply (to 50131) with the requested three PAC digits, e.g. 297 to 50131

Step 4

You will then receive a confirmation message from AIB stating that your Top Up request is being processed
For security reasons, your text request will time-out if you do not reply within fifteen minutes.


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Summary of Commands

Command What it means
TOPUP Top Up my own registered phone by EUR15
TOPUP 20 Top Up my own registered phone by EUR20 (key in the amount you wish to Top Up by)
TOPUP 25 0871234567 V Top Up by EUR25 (key in the amount you wish to top up by) the phone number 0871234567 (key in full 10 digit phone number you wish to top-up) on Vodafone (key in the first letter / full name of the phone's mobile network operator) network

 

How to unsubscribe from Top Up by Text

You can unsubscribe from the service at any time by logging in to AIB Internet Banking.

Step 1: Log in to AIB Internet Banking
Step 2: Click 'Mobile Top Up' on the left of the screen and click the Top Up by Text tab at the top of the screen.
Step 3: Select Cancel Registration.
Step 4: Confirm the Cancel Registration request
Step 5: You can re-register to use Top Up by Text at any time. Unsubscribing from Top Up by Text will not affect your AIB Internet Banking registration.

Contact us

Details on how to contact us are in our Next Steps Box at the top of this page.
(International Telephone Number:  +353 1 771 2424)

Next Steps

Related Information

  • AIB Internet Banking

    To avail of this you must be a registered user of AIB Phone & Internet Banking

    Find out more

  • Top Up by Text

    Find out more


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Tel: + 353 16600311 Registered in Ireland : Registered No. 24173. Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland. Copyright Allied Irish Banks, p.l.c. 1995