Credit and Debit Cards FAQ's

Credit Card:

• Apply for a Credit Card via AIB Internet Banking*
  

• Add Authorised User
  

• Add/Adjust Direct Debit*
  

• Request a replacement Credit Card*

• Temporarily Freeze your Credit Card

• Report a Credit Card as Lost or Stolen
  

• Request a PIN reminder for your Credit Card*
  

• View your Credit Card Terms & Conditions
  

• Request a copy of Transaction Voucher/Record*
  

• Change Credit Card address*
  

Debit Card:

• Temporarily Freeze your Debit Card

• Report a Debit Card as Lost or Stolen

• Request a PIN reminder for your Debit Card*

• Request a replacement Debit Card*

* You will need an AIB Code Card or AIB Card Reader to apply for a Credit Card and for the services above marked with an asterisk.

You can apply for the following Credit Cards through AIB Internet Banking:

1. CLICK Visa Card

2. 'be' Visa/Mastercard

3. AIB Platinum Visa Card

4. AIB Student Mastercard

If your Credit Card application is successful both your PIN and your Credit Card will be sent to you separately by post within 5 business days. We will write to you within 5 business days if your application has been unsuccessful.

Generally the 1^st April.  The tax year for credit cards runs from 2^nd April to the following 1^st April.  It’s generally collected on the 1^st April in arrears (meaning you are paying from the previous 2^nd April to the current 1^st of April).

Revenue have amended the charging period to bring it in line with the calendar year.  This will mean that GSD on credit cards will be charged on the 1^st January 2024 in arrears.

To facilitate the change and a shorter chargeable period (2 April 2023 to 31 December 2023), a reduced GSD of €22.50 will be charged on the 1^st January 2024.  If you close your card during this period (2^nd April 2023 to 31^st December 2023) you’ll be charged €22.50 on closure.

From 1^st January 2024, GSD for credit cards will revert back to €30 and you’ll be charged on the 1^st January 2025.   

Government Stamp Duty information on fees is available here:  https://aib.ie/Fees-and-Charges/government-fees-and-charges

If you switched your credit card provider to us from another bank, they will have charged you Government Stamp Duty on closure. You should ask your previous provider for a letter of closure, confirming that Government Stamp Duty was paid on the old card, for the period in question (Refer to FAQ above for current charging period ) and send it to us. You will then not be charged stamp duty by us for that period.

It is possible to have one Authorised User on your Credit Card account. To add an Authorised User to your Credit Card

• Log in to AIB Internet Banking

• Click 'Manage My Accounts' on the left of the screen

• Click the 'My Credit Card(s)' tab on the top of this page

• Select the Credit Card you would like the Authorised User to access

• Under 'More Available Options' click 'Add Authorised User'

• This will link you to an online application form. As a signature from the Authorised User is required by AIB you will need to print the form when completed and forward to the address displayed on the form. If you are unable to print this form, please call AIB Credit Card Centre on + 353 1 6685500 requesting an Authorised User paper application form to be sent to you by post

Please Note: It is not possible for an Authorised User to be added to the AIB Student Mastercard.

Yes, it is possible to set-up a Direct Debit to your Credit Card account at any stage

To do this simply:

1. Log in to AIB Internet Banking

2. Click 'Manage My Accounts' on the left of the screen

3. Click the 'My Credit Card(s)' tab on the top of this page

4. Select the Credit Card you would like to update

5. Under 'More Available Options' click 'Set up Direct Debit'

6. The Direct Debit set-up screen will be displayed. Once you have completed the required information, click the next button

7. Enter the code from your AIB Code Card or AIB Card Reader to confirm your Direct Debit details

8. You will then be returned to the confirmation screen with a message to confirm that you have successfully set-up your Direct Debit

Please Note: Direct Debits will take effect after 2 business days, therefore if your current statement payment due date falls within the next 2 business days your new Direct Debit will not be effective for payment until your next Credit Card statement payment due date. You can find the payment due date on your most recent statement. You should check this date before setting up a Direct Debit online to pay your Credit Card bill.

Yes, you can increase or decrease your monthly Direct Debit amounts or change the account from which your Direct Debit payment is taken.

To do this simply:

1. Log in to AIB Internet Banking

2. Click 'Manage My Accounts' on the left of the screen

3. Click 'My Credit Card(s)' tab on the top of this page

4. Select the Credit Card you would like to update

5. Under 'More Available Options' click 'Amend Direct Debit'

6. Enter the code from your AIB Code Card or AIB Card Reader

7. Your existing Direct Debit details will be displayed. Once you have amended your details, click the next button

8. You will then be returned to the confirmation screen with a message to confirm that you have successfully adjusted your Direct Debit

Please Note: Direct Debits will take effect after 2 business days, therefore if your current statement payment due date falls within the next 2 business days your Direct Debit adjustment will not be effective for payment until your next Credit Card statement payment due date. You can find the payment due date on your most recent statement. You should check this date before adjusting a Direct Debit online.

This is the date by which the minimum payment should reach your account.

DD Plus (Direct Debit Plus) means that, as a customer of AIB, you can sign up for a Direct Debit using methods other than a paper mandate form, for example by using the Internet or telephone.

The Direct Debit Guarantee is a guarantee provided by AIB as a member of the Direct Debit scheme, in which banks and Originators of Direct Debits participate.

If you authorise payment by direct debit then:

• Your Direct Debit originator will notify you in advance of the amounts to be debited to your account

• Your bank will accept and pay such debits, provided that your account has sufficient available funds

If it is established that an unauthorised Direct Debit is charged to your account you are guaranteed a prompt refund by your bank of the amount so charged.

You can cancel the Direct Debit instruction by writing to your bank in good time or alternatively you may contact us by telephone at 01 6685500 or outside Ireland +353 1 6685500.

When signing up for Direct Debits online, the OIN is displayed on the screen for information purposes only. The OIN is the Direct Debit Originator Identification Number, a 6-digit reference number assigned to AIB under the DD Plus scheme and used to identify AIB as the originator when processing Direct Debit payments.

You can cancel the Direct Debit instruction by writing to your bank in good time or alternatively you may contact us by telephone at 01 6685500.

No, however Direct Debits are mandatory on a Student Mastercard account.

To access your eStatements,
Log into AIB Internet Banking using your 8 digit Registration Number and 3 random digits from your Personal Access Code (PAC). Periodically, a third security question may be requested at login stage on Internet Banking.

To view your eStatements please follow the steps below:

1. Click on Accounts and select My Statements
2. Select the view icon under ‘View eStatements’ in order to see your statements for that account
3. A screen listing the available eStatements will be displayed to you
4. When you have finished viewing your eStatement, for security, make sure you close the eStatement browser window as it will not automatically close when you log out of AIB Internet Banking.

Your eStatements will be available for viewing online as often as you receive them by post.  With effect from the 28th of October 2015, Credit Card eStatements issued from the 21st of October 2014 will be available to view for up to 7 years.

We will send a text alert when your eStatement is available online and to tell you the date your Credit Card payment is due and the amount of the payment. This text alert will come from 'AIB'. 

That’s ok, however, that means receiving paper statements in lieu of an eStatement alert. If you want to stop receiving these alert messages, just log in to Phone and Internet Banking  using your registration number and 5 digit PAC, select Accounts and My Statements. Here, you can switch paper statements back on using the On/Off toggle. Once you switch your paper statements back on, you’ll have opted out of eStatement text alerts.

Your payment due date will remain unaffected by signing up for Credit Card eStatements. It will continue to be clearly displayed on your eStatement and you must continue to ensure that you make your payment by this date.

You will have the option to set-up a Direct Debit online to pay your Personal Credit Card bill.

When setting up a Direct Debit online to pay your Credit Card bill, you should check to see when your next payment date is due. You can find this date on your most recent statement.

If your current payment due date falls within the next 2 business days then your current payment must be made by an alternative method. The new Direct Debit will not take effect in time for this payment.

If your payment due date is more than 2 business days from the date you set-up the new Direct Debit online, then your current payment will be made by Direct Debit.

As you will no longer receive your paper statement in the post it is recommended that you sign-up for payment by Direct Debit.

Alternatively you can pay your Credit Card bill by clicking on the 'Transfers & Payments'  link in AIB Internet Banking or via the Automated Self Service option by phoning 0818 724 724. You will need to use a code from your AIB Code Card or AIB Card Reader to complete any of the above.

If your card has been lost or stolen it is extremely important that you report this as soon as possible. Follow the steps below to report your card lost or stolen:

1. Log in to AIB Internet Banking
2. Click 'Manage My Accounts' on left side of the screen
3. Click the 'My Card(s)' tab on the top of this page
4. Select the card you would like to report as lost or stolen
5. Select Report your Card as lost or stolen and follow the steps

Where applicable a new card will be automatically ordered for you. If a new card has not been automatically ordered for you, you will be advised on screen. When reporting a Credit Card as lost or stolen you will also have the option of ordering a new PIN or retaining your existing one.

Once a card has been reported as lost or stolen by the Primary Card holder or the Authorised User both cards will automatically be cancelled.

If your Card is damaged you can request a replacement of your existing Credit Card

1. Log in to AIB Internet Banking

2. Click 'Manage My Accounts' on the left of the screen

3. Click the 'My Credit Card(s)' tab on the top of this page

4. Select the Credit Card you would like to replace

5. Under 'More Available Options' select 'Request Replacement Card' and follow the steps

Your existing PIN is still valid with your replacement card. Should you require a reminder of your current PIN you can do so through the pin reminder Service on AIB Internet Banking if your Credit Card is registered.

No, you can only request a replacement card for yourself through AIB Internet Banking. An Authorised User can request a replacement card by logging into their AIB Internet Banking profile, if they are registered.

Upon receipt of your replacement card you should cut your existing card in two (through the signature box, magnetic strip and Chip) and return them to AIB Card Issuing FREEPOST PO Box 708, Sandyford, Dublin 18

• You can request a PIN reminder by logging in to AIB Internet Banking

• Click 'Manage My Accounts' on the left of the screen

• Click the 'My Credit Card(s)' tab on the top of this page

• Select the Credit Card you would like to update

• Under 'More Available Options' select 'Request a PIN Reminder'

No, you can only request a PIN reminder for yourself through AIB Internet Banking. An Authorised User can request a PIN reminder by logging into their AIB Internet Banking profile if they are registered.

No, you cannot request a PIN reminder for your Personal Debit Card on AIB Internet Banking. To do this you will need to contact your AIB branch or contact a Customer Service Adviser on 0818 724 724 or when abroad +353 1 771 2424.

You can view the Terms and Conditions of your existing Credit Card by logging in to AIB Internet Banking.

• Click 'Manage My Accounts' on the left of the screen

• Click the 'My Credit Card(s)' tab on the top of this page

• Select the Credit Card you would like to view

• Under 'More Available Options' select 'View Credit Card Terms and Conditions'

Please Note: you then need to select the Terms and Conditions for your card type from the list.

A Copy Voucher is a copy of the transaction receipt from the retailer showing the transaction details.

Yes, a Copy Voucher Fee will be applied to your Credit Card account for each Copy Voucher sent to you. Please click here for the list of fees.

You can request a Copy Voucher by logging in to AIB Internet Banking selecting 'statements' in the left menu and clicking the 'request a Copy Voucher' at the top of your Credit Card transactions page. You then select the transaction(s) you wish to request a Copy Voucher(s) for by ticking the check box to the right of the transaction.

The transactions displayed have occurred in the last 60 days, up to a maximum of 22 transactions. If you wish to request a copy voucher for a transaction that has occurred in the last 60 days and is not displayed please contact + 353 1 6685500.

You can change your Personal Credit Card account address by logging in to AIB Internet Banking

• Click 'Manage My Accounts' on the left of the screen

• Click the 'My Credit Card(s)' tab on the top of this page

• Select the Credit Card you would like to update

• Under 'More Available Options' select 'Change Credit Card Address'

No, you cannot change your address for your other AIB accounts through AIB Internet Banking. To do this you will need to contact your AIB branch or contact a Customer Service Adviser on 0818 724 724 or when abroad +353 1 771 2424. A Code from your AIB Code Card or AIB Card Reader will be required to change your address over the telephone.

No, an Authorised User cannot change the Credit Card address. This service is available to Principal cardholders only.

Contactless is the faster way to pay for your purchases quickly and securely. Simply touch and pay for items that cost €30 or less with your card/Android Pay^TM. For items over €30 you can pay using Android Pay^TM depending on the retailer.

Here’s how it works

1 Look for the contactless symbol at the till.

2 Touch to Pay simply hold your card or your mobile device flat against the reader. If using a mobile device you may be required to wake up or unlock it.

3 Go wait for confirmation and you’re done. 

Card: To activate contactless on your new card, complete a Chip & PIN or ATM transaction and then you’re good to go.

Android Pay: Get the app on the google play store, add your debit or personal credit card and follow the on screen instructions. Once registered, simply wake up your device and hold it against the reader. To find out more go to aib.ie/androidpay

No transaction fees apply to credit cards, for debit cards the transaction fee is waived on contactless transactions until further notice, additional charges may apply when using your card abroad. Foreign currency fees and charges are detailed in our ‘Schedule of International Charges’. These brochures are also available from any AIB Branch.

If there is a Contactless symbol (pictured below) located on the front of your card, then your card is enabled for Contactless payments.

Contactless functionality will be available on all new and replacement personal and business credit cards ordered from 27th February 2017.

It is an EU Regulation setting out rules for cross border payments and information to be provided around currency conversion charges within the EU.

From 12 April 2021 we will send you a text for the first transaction that you make, in a month, in any non-euro EEA currency with a merchant, face to face or online, or at an ATM.

They are Bulgaria, Czech Republic, Hungary, Poland, Romania, Sweden, Denmark, Norway, Iceland and Liechtenstein.

No, only the first time in each month. If you transact in another non-euro EEA currency that month, we’ll send you another text message

All AIB Credit and Debit cardholders who use their card to make a payment transaction in a non-euro EEA currency.

You can opt out of receiving these messages by calling Card Services on +353 1 6685500 and asking them. This number is available 9-5 Monday to Friday.

No

Yes, we updated our terms and conditions in January 2021 and these changes were communicated to you in October 2020. We also communicated this change to our Debit and Credit cardholders through email.

Yes, we will text you immediately after the payment transaction is approved (24 hours a day)

No

No, it will be a ‘do not respond’ message. There are contact details on aib.ie if you need to contact us.

If you wish to cancel your transaction you will need to contact the merchant.

The text message will come from AIB. It will not contain any links to click.

Here is an example text:

For your non-euro transaction we’ll typically charge you X.XX% (variable) over the ECB FX rate for this. For more, including how to opt out see our website.

FX rates can be found here: https://aib.ie/our-products/current-accounts/foreign-exchange/fx-rates-in-eea

We will text you for all types of payment transactions (online, in person, over the phone and ATM) in a non-euro EEA currency.

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 you opt out, it will only be about these texts. You will still receive other texts from us about your card.

No, only the primary cardholder will receive a text message.

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.

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: https://aib.ie/our-products/current-accounts/foreign-exchange/fx-rates-in-eea

The currency exchange rates for credit cards are available here: https://aib.ie/our-products/credit-cards/fx-rates-in-eea

Yes

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.

Great Britain is not in the EU anymore. 

Please contact our Fraud Department. Please see our fraud FAQs for more information https://aib.ie/help-and-guidance/text-alerts-faqs.

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.