FAQ

• What are the factors to be considered before borrowing?

  Take the long term view, add up how much it will cost you to take out a loan including the interest and make sure you can manage to pay it all back on time.

• How will I start budgeting for the family?
  Try estimating future costs and income and working out how to finance, or save the difference. It’s the sort of planning that gets you ready for life’s twists and turns.
  
• I have questions about savings and deposit accounts

  Call 0818 724 725 (lines are open Monday to Friday 9am – 5pm), or drop into any AIB branch. We’ll be happy to answer your questions and help you find the right kind of savings account.

• How will I start saving for the child’s future when we are preparing for new baby?
  Start saving for your child’s future today with the AIB Online Savers Account. If you’re an AIB customer then you can set it up in minutes through the Mobile Banking App or Internet Banking.
  
• How do I manage and pay my bills through AIB account?

  You can manage your bills through mobile banking, internet banking, tablet banking and/or in your branch. Click here for more details.

• What should I do if I can’t pay my arrears?
  • If you’ve missed a payment, you should repay your arrears as soon as you can. If you can’t pay back your arrears, you should take action straight away.
  • For mortgage arrears, call us on 0818 251 008
  • For loans, call us on 01 7725714
  • For credit cards, call us on 01 668 5500.
  • If you call us, we promise to listen, be open-minded and not to judge. Our people have helped thousands of customers to get finances back on track. We can also give you contact details for third party advisors that can give independent advice. You may have to fill out a Standard Financial Statement. Learn more about our SFS and MARP process or read our MARP booklet.
• What is an online notice deposit account?

  Online notice deposit account requires seven days’ notice to access your funds, making you less likely to make withdrawals. . There’s no minimum opening balance required and it’s all online so you can easily check your balance every time you log into your account. Click here to learn more.

• What are the support available from the government to deal with the Cost of Living crisis?

  Department of social protection has announced various policies to support us in the cost of living crisis. Click here to read more about the various support offered by the government.

• Is renting a room in my house is tax-free?

  The rent-a-room relief lets you earn up to €14,000 per year tax-free if you rent out a room (or rooms) in your home to private tenants. check Renting out a room in your home (citizensinformation.ie) to learn about the terms and conditions.