Is this cross border payment regulation text for online transactions as well as point of sale and over the phone transactions?
We will text you for all types of payment transactions (online, in person, over the phone and ATM) in a non-euro EEA currency.
Can I opt out of this service?
Yes, for credit cards only the primary credit card holder will be able to opt out of receiving these messages. Each debit cardholder on an account can opt out individually.
If I opt out of this cross border payment regulation text message option will it mean I won’t get other texts from AIB about my card?
If you opt out, it will only be about these texts. You will still receive other texts from us about your card.
If someone else is authorised to use my credit card, will they also get a cross border payment regulation text?
No, only the primary cardholder will receive a text message.
If I change my mind will I be able to opt back into receiving these cross border regulation text messages?
Yes, you can opt back in to receiving these text messages by calling Card Services on +353 1 6685500. This number is available 9-5 Monday to Friday.
What happens if I don’t receive the cross border payment regulation text?
It will not have an impact on the payment being processed.
What is the ECB rate?
The ECB rate is the euro reference exchange rates published by the European Central Bank.
The currency exchange rates for debit cards are available here.
The currency exchange rates for credit cards are available here.
Can I still receive the text message if I don’t have an Irish mobile number?
Will I still get the cross border payment regulation text if my address is registered in a country that doesn’t use euro?
Yes, you will still receive the text message if you are using your AIB Debit or Credit card to make non-euro EEA currency transactions.
How come I won’t get a cross border payment regulation text message when I make a purchase from a UK company?
Great Britain is not in the EU anymore.
Is the rate on the cross border payment regulation text the exact rate I will be charged?
When you use your Debit or Credit card to pay for something that is not in euro, Visa will convert that payment to euro using the exchange rate that applies on the day the transaction hits your account, which may not be the day of the transaction itself. Please note that this amount may be more or less than the amount stated at the time the transaction was initiated.
I got a cross border payment regulation text message but I didn’t make this transaction
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