Schedule of AIB International Transaction Charges

How we charge fees

The cost of an international payment is based on our charges and the charges of other banks involved in the transfer, such as intermediary (Agent) banks and the receiving bank.

All international payments through AIB Internet Banking are made on a "Shared/SHA" charging basis. This means that as you send the payment, you pay our charges and the person you are sending the payment to pays all the other bank charges (the receiving bank’s and any Agent Bank’s charges). These may be deducted from the amount before it is credited to account of the person you are paying. This means that the full amount of the payment may not be paid to their account.

However, under EU legislation intermediary (Agent) banks may not deduct any charges from any EEA currency payments made to EEA destinations. The full amount of the payment must be transferred to the Receiver's Bank. The Receiver's Bank may, subject to agreement with the Receiver, deduct their fee from the payment amount before they credit the Receiver's Account.

Intermediary (Agent) Banks or the Receiver's Bank may charge where amendments/investigations/cancellations to payment instructions are requested.

In addition to the international payment charge, we apply account transaction fees.

We apply an exchange rate to an international payment when there is a difference in currency between one account and the other. You can see the standard exchange rates online. These variable exchange rates are subject to change at any time.

The types of fees we charge for each type of international payment.

With Inpay Euro you can receive euro payments for free from most European countries.
With Inpay Global you can receive any amount in major currencies. We charge €6.35 for amounts over €127.

Product/Service	Charges	Features
In Pay Euro	€0	Incoming Euro payments which originate in a Single European Payment Area (SEPA) zone country
In Pay Global	€6.35 for payments greater than €127	Incoming payments in major currencies
Paylink Euro Standard	€0	Non-urgent outgoing euro payment from euro account Any amount Receiver’s Bank must be located in the *SEPA zone* and be reachable for SEPA Credit Transfers
Paylink Euro Urgent	€12.70 Electronic Instruction €25 Paper Instruction	Urgent outgoing euro payment from euro account Any amount Receiver’s Bank must be in the SEPA zone
Paylink Standard	€15 Electronic Instruction €20 Paper Instruction	Non urgent outgoing payment from euro or currency account, excluding Paylink Euro payments Any amount in major currencies to most destinations worldwide
Paylink Urgent	€22.50 Electronic Instruction €32 Paper Instruction	Urgent outgoing payment from euro or currency account, excluding Paylink Euro payments Any amount in major currencies to most destinations worldwide.

More information

Required information

If you are making an international payment you will need;

The full name and address of the payee;
Their IBAN/account number;
Their Business Identifier Code (BIC) or routing code; and
The reason for the payment

Some countries have specific requirements for payments so it’s important to check any details provided to you by the payee and make sure you provide this information to ensure that there are no delays.

You can find more information about the various fees and charges associated with your personal account and its process in the document given below.