When we charge fees
We charge your account every three months at the end of March, June, September, and December. If in any quarter the fees and charges exceed €10.00, we will provide you with a detailed breakdown of the amount being charged at least ten business days before they are charged. A breakdown of amounts of €10.00 or less is available on request.
We also calculate and charge fees when your account closes.
Why we charge fees
Just like paying a standing charge for gas and electricity; banking is no different, we charge a fee for what we do.
What you get for the fee you pay
On your current account, for a fee of €4.50 a quarter:
We invest in keeping your money safe from criminals
A Debit Card, which is accepted anywhere you see the Visa logo
Access your account through online banking 365 days a year
Provide access to AIB branches across the country
How to pay fewer fees
Use cashback on your debit card to get two transactions for the price of one
Use contactless (card or device), tapping is currently free
Use an ATM to get cash out, it's cheaper than over the counter
Pay bills by direct debit, keeping enough money in your account to cover them
Set up and change standing orders for free
Who doesn't get charged fees?
We don’t charge maintenance and transaction fees on these accounts
- Advantage Account, if you are aged 66 or over.
- Junior/Student Saver Account.
- Basic Bank Account.
- Student or Student Plus Account.
- Graduate Account.
- If you pay your mortgage with us from our Current Account.
- Personal Demand Deposit Account.
While we don't charge maintenance and transaction fees on these accounts you may have to pay government charges and other service charges as detailed in 'A Guide to Fees and Charges for Personal Accounts'. You may have to pay service charges, for example, when there is not enough money in your account to cover a payment.
Masterplan Account holders are not charged transaction fees on their account and are charged an account maintenance fee of €4.50 per quarter or part thereof.
What else do you get for your fee?
It is easy to manage your money safely through our mobile app or internet banking service.
You can talk to us in more than 170 local branches and service centres in Ireland or you can ring us Monday to Friday 9:00 to 17:00 excluding bank holidays. Some of our branches are open on Saturdays and you can use some branch services from early in the morning to late in the evening. In the places where we don’t have a branch, we take to the road in our community bank.
We are working on new ways to make banking easier and more secure for you.
Looking for more information?
Before proceeding please read our Site Use Terms and Conditions, Privacy & Cookie statements which apply to your use of this website. AIB and AIB Group are registered business names of Allied Irish Banks, p.l.c. Registered Office: 10 Molesworth Street, Dublin 2.
