Credit Cards Fees and charges

Fees and charges for Personal AIB Credit Cards

The types of fees we charge

Annual Fees

Ascent card
€120 (Authorised User fee €80).

Personal premier card (This card is not available for new customers)
€100.

Cash Advance Fee

1.5% of value (Minimum €1.90). For Personal Premier Visa cardholders, the Cash Advance Fee is 1.75% of value (Minimum €1.90).

For CLICK and ‘be’ cardholders this fee will apply for accounts both in debit and credit. For all other credit card types, this fee will not apply if your account is in credit for the full amount of the transaction when it is debited to your account.

Currency Conversion Fees

Transactions performed abroad may be subject to a Currency Conversion Fee as illustrated in the table below.

Note: No Currency Conversion Fees apply on Euro transactions.

AIB Visa

	AIB
FX Transactions - Visa Europe Region	1.75% of transaction value
FX Transactions - Visa Rest of World	2.75% of transaction value

Late Payment Fee

Should payments not be made in accordance with the Agreement, a Late Payment Fee of €7.00 will be applied to the card account.

Over Limit Fee

The Over Limit Fee of €7.00 will apply, the first time your balance exceeds your credit limit in each statement period.

Returned Payment Fee

Should any payment either by cheque or direct debit be returned unpaid, a Returned Payment Fee of €7.00 will be applied to the card account.

Miscellaneous Charges

Copy Sales Voucher Fee
Should you request a copy of a sales voucher, a €5.00 fee per voucher will be applied to the card account.

Copy Statement Fee
Should you request a copy of a statement, a €4.00 fee per statement will be applied to the card account. Alternatively there is no fee if you view & print your e-statement from Internet Banking.

Government Stamp Duty

Government Stamp Duty of €30 is charged annually per Credit Card account.

All fees and charges are subject to change.

More information

We will cancel your card if you lose it at home or while travelling. In most countries, we can offer you an emergency cash advance facility if you are overseas within 48 hours provided by Visa. Fees and charges may be applicable for currency conversion and cash advance and is subject to credit limit availability.

Lending criteria, 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.