General Central Account Opening FAQs
-
When will AIB Contact me?
Once you complete your enquiry form AIB will contact you as soon as possible. Our hours of operation are Monday – Friday 9am-5pm.
-
I have a missed call from you/AIB?
Unfortunately you can’t call us back on the number we called you from. But, if we are unable to reach you we will leave you voicemail advising the next steps. We will try 3 times in total and if we are unable to make contact with you then we will close the enquiry and you will be required to resubmit your request.
-
How long will it take to open my account?
Account opening times can vary, depending on the account opening team being provided with relevant customer details.Once you have submitted your enquiry and we have successfully contacted you, and issued you with the form electronically via DocuSign, it is important that you return your DocuSign in a timely manner, to avoid delay in opening your account. Once we have received your completed DocuSign application form we will email you with your next steps which includes you calling to a branch to verify your identity. Once your identification has been approved, we will issue your AIB Debit card and PIN which will take up to 5 working days to receive.
-
How long will the process take?
Once you have provided your completed DocuSign and provided your CJA documents in branch to verify your identity, your account should be up and running within 5 working days.You will receive a text/email once your account is ready to transact.
-
I have submitted an enquiry and I have not received a call or an email?
If we are unable to contact you on the number provided, we will send you an email to advise of the next steps.Please check your Spam and Junk emails, the email will have been sent to the email address provided.If you have not received a call or email within 5 working days, please resubmit your application.
-
I have not received a DocuSign envelope?
AIB will send your DocuSign detail to the email address which you have provided us, and you will also receive a text on phone number provided with a one time pass code to access your DocuSign.If you have received your code, and not received email please check your junk/spam emails.
Sole Trader Central Account Opening FAQs
-
Which account should I pick?
Your DocuSign will contain a choice of all business current accounts you can open which we believe suit your needs and therefore you can apply for (based on the information you have provided us). You’ll see the ‘Key Features, Benefits & Restrictions’ for all accounts at the start of the application form to allow you to choose which account you would like to open.The DocuSign document will contain further information for each of these accounts and you can also refer to our website if you need more information to make your decision.
-
What is a Trading Name?
A trading name is a name you can use for your business that is different to your own name. A trading name must be registered with the Companies Registration Office (CRO) before it can be used by your business. Not every sole trader or company has a trading name, so if you do not have one you can leave this box blank.If you do have a trading name you can attach & submit your certificate of trading name with your application within the DocuSign system.
-
What is the purpose of the account?
What will the account be used for? Our business current accounts are ideal for business trading. Other potential uses could be Investments.
-
What is the Source of Income (the source of the money you are putting in the account)?
Where will the money come from? Some examples are trading income, rental or investment income or client funds.
-
What is estimated annual turnover of the account?
How much money will be going through the account over the next year? If you are unsure of the exact amount you can make a best estimate, or base it on the turnover of the previous year if you expect it to be similar (if applicable).
-
What is the Country where Established?
Where is your business set up? This is the country where your business is located.
-
What is Country where Operating/Trading?
What countries are you actively operating from or trading with. You may trade with & operate from a number of countries so multiple options are available here.
-
Products and services
Statements: You can choose how often the statements are sent and the date of the first statement. If it is not possible for operational reasons to issue you with a statement on this date, we will issue you with a statement on this date in the next month/quarter/year.
You can also get details of your transactions through our online channels and you can get bank statements through AIB Internet Banking. You can also contact us to ask for a statement (we may charge a fee for this).Chequebook: If you require a chequebook you can select the size of the chequebook you need. You may not require a chequebook. As a reminder, if you wish you can use AIB Internet Banking and iBusiness Banking to make payments.Lodgement requirements: You can request a lodgement book for making paper lodgements over the counter, or you can request lodgement cards for making lodgements at a self-service machine.This is ideal if you have employees required to make lodgements on your behalf.You will also be able to lodge using your Business Debit Card. -
I can’t submit my form
If you are having difficulty submitting your form it may be because some information is missing. Please check the form for sections that are not filled.
Joint Account - FAQ’s
-
I want to open a joint account with more than two people on the account, can I open it through this process?
To open an account with more than two people, you will need to make an appointment in one of our branches Click Here
-
I don’t want to open my joint current account on the website or mobile app. Can I open it in a branch?
Yes you can open your account in one of our branches Click Here
-
I am already a customer with AIB, can I open my joint account through this process?
Yes, you can open your joint current account through this process, as long as it’s only two customers on the account. You will still need to come in to a branch to verify your identity and provide a copy of your signature.
-
I have a bank account with another financial institute in the Republic of Ireland, is it possible to move this account to AIB?
Yes, you can switch your account to us. Here’s how to do it: Click Here
-
I want to open a current account on my own, as well as a joint account. Can I do this?
You can open a sole current account on your own through our mobile app Click Here
-
I would like to open a joint student account
It is not possible to open a joint student account, however you can apply to open a student account on your own Click Here
-
One or other of us need some extra help opening an account. Who do we call?
We have a team ready to help. You can contact them on 0818 227 056 9:00 to 17:00 Monday to Friday.
-
It looks like the bank emailed me looking for information to open a joint current account. Is this a legitimate email?
If you or another applicant has enquired about opening a current account, then yes, we will email you looking for the details we need. If you have not enquired about opening a current account with us, please disregard the email.
-
I haven’t received my online application form yet, the other applicant has received an email. When will I receive mine?
The application form is sent to the first person. When they have filled it in, it goes to the second person named on the account. Once they have completed the form then we will open the account for you.
-
I have received my online application form but have not received the sms text in order to access the application form. What can I do?
Unfortunately the mobile phone number provided is incorrect. You will need to resubmit your enquiry form and ensure the correct contact details are provided for both customers.
-
I’m 66 years of age but was not offered a AIB Advantage account for my joint current account?
In the case of joint current accounts everyone on the account has to be aged 66 or over to avail of a AIB Advantage Account. Your current account will be converted once both customers are 66 years of age.
-
I do not agree with the account type the other applicant has chosen, can I change it?
When you are in the electronic application form (DocuSign) you can decline to sign if you are not in agreement with the account type, the signing authority or debit card options selected. You will then need to resubmit the enquiry form and re-start the process.
-
Can myself and the other applicant bring our identity documents to different branches?
Yes, both applicants can go to different branches at different times.
-
I was not given a debit card on my joint account, how can I order one?
Depending on what you chose for who can sign for the account, you may not be able to get a debit card. If you have chosen ‘Anyone’ to sign you can order a debit card Click Here
-
I would like Phone and Internet Banking on my joint current account
You can register for Phone and Internet Banking when you come in to branch with your identity documents. If you have chosen ‘Anyone’ to sign as your signing instruction, you will be able to use online banking, but not if you chose ‘Both’ to sign.
-
What happens to the funds in our joint current account if the other account holder passes away?
You both need to discuss and agree what happens to the funds before you complete the application form (DocuSign). You can agree to pay the surviving account holder by ticking the box in the application form (DocuSign). Otherwise the funds may not automatically be paid to the surviving account holder, but to your successors/estate.
-
How long will it take to open my account?
Once you both sign the documents we sent through DocuSign we will email you with your next steps. When we have checked your identity documents with you in our branch we’ll send you your debit card and PIN within five working days.