International Payments Q&As
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(Transfers only for SEPA Zones)
- Log into the app.
- Tap the ‘Payments’ option in the bottom tab.
- Tap ‘Send a bank transfer’.
- Enter the amount you want to ‘Send’.
- Then, tap ‘From Account’. This is the account you want to send the money from.
- Then, tap ‘To Account’. This is the company or person you want to pay. If you are setting up a new person to pay, tap ‘New’ in the top right-hand corner of pop-up screen. We will ask you to answer some fraud awareness questions. You will need the payee account name and IBAN. We use Selfie Check to save the payee.
- Once you’ve created and saved the payee, you can add a message for you and the person you are paying under ‘Add a reference’.
- Before you press ‘Continue’, select the ‘Payment type’. The payment type will default to ‘Instant’ (money normally arrives within seconds) but you can choose ‘Standard’ (money arrives on the same or next business day).
- The ‘Verification of Payee’ check (that is where we check the name of the person you are paying against the name on their account) is done at this point, and you will be given one of the four possible answers:
- Match – the name fully matches.
- Details do not match – the name does not match.
- Match not possible – we are unable to check the name.
- Close match - the name does not fully match
- Confirm the details are correct and tap ‘Continue’. If the details do not match, you should not make the payment. Check the details of the payee.
- If you’ve not saved the person you want to pay, you will be asked to complete Selfie Check, before you send the payment. This is to confirm that it is you who is making the payment.
- You can see the completed payment in the ‘Recently paid’ section of the ‘Payments’ tab.
Send againWith ‘Send again’, you can repeat a payment by tapping the transaction. No need to start again. Just tap the payment and follow the steps to repeat it.You can also adjust the amount or the account you are sending money from.AIB Internet BankingPlease ensure the following information is included on all international payment instructions to avoid any delay:- details of who you are paying as well as your details.
- reason for the payment , for example e.g. invoice number & and goods description, salary, house purchase, school fees etc and so on.
You can use the additional information area.If you have a question about international payments, please contact 0818 724 724 or if calling from outside the Republic of Ireland, please contact + 353 1 771 2424. -
AIB Internet BankingPlease ensure this information is included on all international payment instructions to avoid any delay:
- details of who you are paying as well as your details.
- reason for the payment , for example e.g. invoice number & and goods description, salary, house purchase, school fees etc and so on.
You can use the additional information area.If you have a question about international payments, please contact 0818 724 724 or if calling from outside the Republic of Ireland, please contact + 353 1 771 2424.AIB Mobile Banking (Transfers only for SEPA Zones)1. Log into AIB mobile app.2. Click the 'Pay & Transfer' menu.3. In the 'Pay and Transfer' menu select ‘Pay another account”.4. Select the account to debit.5. Select ‘Pay Someone New’6. Answer the Fraud awareness question7. The country of payment prefills to ‘Ireland’ so use the drop down to select country where the person you’re paying has their bank account, and enter the payee details - ‘Full Name’ and ‘IBAN’ and select ‘Continue’.The verification of payee check is done at this point and you will be given one of the four possible answers:- Match – The name fully matches.
- Close match – The name does not fully match.
- Details do not match – The name does not match.
- Match not possible – We are unable to check the name.
8. Follow the instructions on screen. -
When you want to send a payment to your friend in another bank there are two options:
- An International payment
- A Single Euro Payments Area (SEPA) Payment
An International payment is sent through the Society for Worldwide Interbank Financial Telecommunication (Swift) network and a SEPA payment is sent through the SEPA Scheme. -
Depending on the payment currency, destination and the channel used either the sender pays a charge for an international payment or it is or is shared between the sender and the receiver.
Under EU legislation the charges must be shared by both parties where the payment is in any currency within the European Economic Area (EEA). For example, any payment from a customer's account with AIB destined for Belgium will be made on the basis that the AIB customer pays AIB's charge and the receiver in Belgium pays thier banktheir bank charge.
We’ve detailed our charges for Outgoing International Payments for our customers in the table below.
Customers using our Internet Banking can only send payments on a 'Shared' charging option. If you want the Sender charging option please complete the Paylink Application form available in your local AIB branch or on www.aib.ie.
Charging Option
Impact on the Sender
Comment
Can I use this option to make payments to EEA Country
Can I use this option to make payments to non-EEA Country
SHARED ('SHA')
This is where the sender opts to pay their bank's charge and the receiver pays the charges of all other banks.
The sender pays our charge and any other bank charges may be deducted from the payment amount before it is paid to the receiver. This means that the full amount of the payment may not be credited to the receiver's account.
Yes
Yes
SENDER ('OUR')
The sender opts to pay their bank's charge and the charges of all other banks.
The sender's account will be debited with our charges initially and with all other bank(s) charges when notification is received from the bank(s) involved, which could be some time after the payment was actually executed.
The charges of Intermediary (Agent) Banks and/or the receiving bank may be higher than similar charges applied in Ireland.No
Yes
In the following cases, payments must be made on a 'Shared' charging basis:Paylink Euro payments
Paylink payments in any currency to an EEA destination and
All International Payments made using the AIB Internet Banking/Kiosk service
*EEA = EU Member States and Iceland, Monaco, Switzerland, Liechtenstein, Norway, San Marino.
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The cost of an international payment is based on our charge and the charges of other banks involved in the transfer, such as Intermediary (Agent) banks and the receiving bank.
All International Payments using the AIB Internet Banking channel are made on a "Shared/SHA" charging basis. This means that when you send a payment, you pay our charge and the receiver pays all the other bank charges (i.e. the Receiving bank and any Agent Bank charges) which may be deducted from the amount before it is credited to the Receiver's Account. This means that the full amount of the payment may not be credited to the Receiver's account.Under EU legislation Intermediary (Agent) banks may not deduct any charges from EEA Currency payments 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.
*EEA= EU Member States and Iceland, Monaco, Switzerland, Liechtenstein, Norway, San Marino.Our charge for international payments are detailed under the Frequently Asked Question "What is a Paylink?" and "What is a Paylink Euro?" . For more information on International Payments please refer to the Schedule of International Transactions Charges (PDF, 33 pages, 492KB) brochure, available in your branch or on this site.
In addition to the international payment charge, account transaction fees will apply.
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Your payment could be rejected if information is missing or entered into the wrong place by the sender.
The sender needs your Business Identifier Code (BIC) and International Bank Account Number (IBAN), or your BIC, National Sort Code (NSC) and Account Number.
Examples of your account details will look like:
BIC – AIBKIE2DXXX
IBAN – IE12AIBK93000012345678
NSC & Account Number – 930000 12345678
If this is not the cause of the problem, ask the sender to also contact their bank and check why your payment got rejected.
Payment Options and Amounts
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An AIB internet banking and Kiosk Banking customer can initiate an International payment, by selecting ‘Standard/Urgent’ option. For further information on the list of currencies and cut off times applicable to Urgent/Standard international payments, please refer to ‘Destinations & Currencies for International Payments’ sections.
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Click ‘Make an International Payment’ on the Main menu.
From the drop down menu select the currency, destination and payment type, then click 'next'.
Select the account you would like to debit and click 'next'.
Complete the receiver information in the spaces provided and click 'next'
Read through the form again to ensure that you have entered all information correctly.
If you logged in with REG and Personal Access Code (PAC) you will need your CARD and PIN to verify the transaction, or if you logged in with CARD and PIN you will need your REG and PAC to verify, and click 'confirm' to complete the transfer.
The status of your payments may be viewed in 'My Payment Logs’, Business Help link.
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With Kiosk Banking you can:
Your Accounts: Log in with Card & Pin or Reg & PAC to view your account balances and transactions
Print your NSC and Account Number details, with your BIC and IBAN numbers
Transfer Funds: Between your own accounts, or to another Irish account
Transfer Funds to international accounts
Pay Bills, including utilities and your AIB Credit Card bill
Standing Orders: Create, View, Amend and Cancel any scheduled Standing Orders
Direct Debits: View and Cancel whenever you want
Mobile Top-up: Top-up any pre-paid mobile phone on the Vodafone, Three and Tesco Mobile networks
Serve Notice for your Online Notice Deposit accounts
Manage your Statements: View and print previously issued statements, and turn paper statements on and off
Payment Logs: View Payments made in and out of your accounts
Historical Transactions: View and search the last 24 months of transactions on your Current Accounts and Credit Cards Accounts
Quickly access and print the last three months' or last six months' of transactions on your Current Accounts and Credit Card Accounts
Statements: View up to 7 years of statements, and print proof of address
Manage my Details – notify AIB of your new postal address, email address, and up to three telephone numbers
Manage your Credit Cards – report lost or stolen, request PIN reminder, amend direct debit to pay your credit card bills, request a limit increase, order a replacement card
Apply for an AIB CLICK Credit Card
Open an Online Saver Account
Manage your Debit Cards - report lost or stolen, order a replacement card
Register for Internet Banking, so you can access your accounts when and where you want
Forgotten Reg & PAC: Get a reminder of your Internet Banking Registration Number, and be able to reset your PAC (Personal Access Code)
Order a Card Reader to use with your Internet Banking
Stop cheques
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Paylink Euro payments are payments in euro to a Single Euro Payments Area (SEPA) zone country i.e. EU Member States and Norway, Iceland, Liechtenstein and Switzerland. See the full list of (SEPA) countries here. To qualify for the Paylink Euro Standard or Instant the payee's bank must be reachable via the SEPA Credit Transfer (SCT) Scheme.
Product Description & Pricing for Paylink Euro on AIB Internet Banking.
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Paylink payments can be sent in all major currencies to most destinations world-wide on a standard or urgent basis.
Product Description & Pricing for Paylink on AIB Internet Banking.
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Click 'Transfers and Payments' on the left of the screen.
Click 'I want to transfer money internationally' and click 'start'
From the drop down menu select the currency, destination and payment type, then click 'next'.
Select the account you would like to debit and click 'next'.
Complete the receiver information in the spaces provided and click 'next'
Read through the form again to ensure that you have entered all information correctly.
Enter the code from your AIB Code Card or AIB Card Reader and click 'confirm' to complete the transfer.
The status of your payments may be viewed in 'My Payment Logs', located within the 'Transfer & Payments' section on the left of the screen.
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Learn more about AIB Code Card
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Learn more about the AIB Card Reader
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International payments can be made from a suitable account already set up on your AIB Internet Banking profile.
While inputting your payment details, there is a drop down option which will show you a list of the accounts that you can make international payments from.
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The maximum amount that may be transferred is limited in aggregate to €10,000 for personal users, and €30,000 for business users*, in any business day and the preceding non-business day period.
Payment Type
Personal Users
Business Users*
Paylink (Standard and/or Urgent)
€10000
€30000
Paylink Euro (Standard and/or Urgent)
€10000
€30000
*Customers registered for AIB Internet Banking who hold at least one open suitable designated AIB Business account. -
Enter the payment amount in space provided. The format allows for the decimal place.
The exception to this is Japanese Yen (JPY), which has no decimal places in its currency.
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The Bank Identifier Code (BIC), is a unique identification code for a specific financial institution. BIC codes consist of either 8 or 11 alphanumeric characteristics.
AIB's BIC is AIBKIE2D.
Based on payment instructions together with the receiver's International Bank Account Number (IBAN), the BIC facilitates streamlined processing of International payments.
BIC codes consist of either 8 or 11 alphanumeric characters and can be verified using the following website: Society for Worldwide Interbank Financial Telecommunication (SWIFT) website.
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The 'International Bank Account Number' or 'IBAN' is a standard for quoting account numbers across Europe. The use of an IBAN and the beneficiary bank BIC code (Bank Identifier Code) enables your International Payment to be made automatically and ensures the correct identification of your receiver's bank account.
How will the IBAN be identified?
An IBAN contains additional characters in front of a normal recipient domestic account number. These characters consist of a 2-letter country code followed by a 2-digit check number.
For Example: IBAN AT611904300234573201Using IBAN on Payment Instructions
Please note that the IBAN in printed format (such as an invoice) is likely to be prefaced by the word IBAN e.g. IBAN AT611904300234573201
- You should NOT enter the word IBAN on any input to the bank.
- You should not include any spaces when quoting the IBAN. The IBAN should be presented as a continuous string of alphanumeric characters i.e. AT611904300234573201
Lengths and formats of IBANs across Europe
There are standard lengths and formats of alphanumeric characters for IBANs in respect of each country - e.g. in Ireland, the standard is 22 characters. When completing payment instructions, please ensure that the receiver's IBAN corresponds in length to the country specific IBAN length.
Destinations & Currencies for International Payments
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Paylink Euro payments may be sent to any Single Euro Payments Area (SEPA) zone country. The Republic of Ireland is excluded for International Outgoing payments on AIB Internet Banking. View a full listing of applicable SEPA zone countries.
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The following are the currencies currently available on AIB Internet Banking for making international transfers:
Code
Currency
Standard
Urgent
AED United Arab Emirates Dirham Yes N/A AUD Australian Dollars Yes Yes CAD Canadian Dollars Yes Yes CHF Swiss Francs Yes Yes CZK Czech Koruna Yes Yes DKK Danish Krone Yes Yes EUR Euro Unit Yes Yes GBP Pound Sterling Yes Yes HKD Hong Kong Dollars Yes Yes HUF Hungarian Forints Yes Yes INR Indian Rupee Yes N/A ILS New Israeli Shekel Yes N/A JPY Japanese Yen Yes Yes MXN Mexican Peso Yes N/A NOK Norwegian Krone Yes Yes NZD New Zealand Dollars Yes Yes PHP Philippines Peso Yes N/A PLN Polish Zlotys Yes Yes QAR Qatari Rial Yes N/A SAR Saudi Riyals Yes N/A SEK Swedish Krona Yes Yes SGD Singapore Dollars Yes Yes THB Thai Bahts Yes N/A TRY Turkish Lira Yes Yes USD US Dollars Yes Yes ZAR South African Rands Yes Yes -
A cut-off time is the latest time on any business day that AIB can effect a payment in a particular currency for the payment execution timeframe indicated in our product descriptions. E.g. An Urgent payment in GBP received by AIB via AIB Internet Banking channel before 15.00 hours can be processed for execution to the Receiver for same business day i.e. the minimum execution timeframe will be same business day. If it is received after 15.00 hours it may be processed for execution on the next business day i.e. the minimum execution timeframe will be 1 business day.
*Euro (standard) payments in Euro to a SEPA zone country up to a maximum of €10,000 (Personal Users) and €30,000 (Business Users) made before 2.00pm on a Business day may be credited to the Beneficiary bank the Same Business Day.
Payments up to a maximum of €10,000 (Personal Users) and €30,000 (Business Users) made after 2.00pm on a Business day will be credited to the Beneficiary bank the Next Business Day
The cut-off times for outgoing International Payments initiated on AIB Internet Banking are listed below.
Please be aware that these cut-off times are meant as a guide and may change, in particular over the Christmas & New Year period.
SEPA Instant payments are not subject to cut-off times and can be made 24 hours a day on all calendar days. Please see SEPA Instant Payment FAQ's.
A Business Day means a day (other than a Saturday, Sunday or public holiday) on which we are generally open for business in Ireland and, where in relation to execution timeframes in respect of a payment to an account with another bank, a day on which the payee's bank is also open for business.
While we will process your payment requests when we recieve them, due to local banking practices in certain regions of the world such as Africa, South America, Caribbean and areas of the Middle East and Asia, delivery times and service standards may vary.
Code
Currency
Euro Standard Cut-Off Time to SEPA zone Country
Euro
Urgent Cut-Off Time to SEPA zone CountryEUR
Euro Unit
14:00
15:00
Code
Currency
Standard Cut-Off Time
Urgent Cut-Off Time
AED
United Arab Emirates Dirham
13:30
N/A
AUD
Australian Dollars
15:30
14:30
CAD
Canadian Dollars
16:00
14:00
CHF
Swiss Franc
16:00
15:00
CZK
Czech Koruna
16:00
15:00
DKK
Danish Krone
16:00
15:00
EUR
Euro Unit
16:00
15:00
GBP
GB Pound Sterling
16:00
15:00
HKD
Hong Kong Dollars
15:30
12:30
HUF
Hungarian Forints
16:00
15:00
ILS
Israeli New Shekel
13:30
N/A
INR
Indian Rupee
13:30
N/A
JPY
Japanese Yen
15:30
14:30
MXN
Mexican Peso
15:30
N/A
NOK
Norwegian Krone
15:30
15:00
NZD
New Zealand Dollars
16:00
14:30
PHP
Philippines Peso
11:30
N/A
PLN
Polish Zlotys
16:00
14:30
QAR
Qatari Rial
13:30
N/A
SAR
Saudi Riyals
13:30
N/A
SGD
Singapore Dollars
15:30
12:30
SEK
Swedish Krona
15:30
15:00
THB
Thai Bahts
15:30
N/A
TRY
Turkish Lira
15:30
13:30
USD
US Dollars
16:00
15:30
ZAR
South African Rands
15:30
14:30
Our minimum timeframes** for payments are indicative only. We do not guarantee that the payment will reach the receiving bank within the indicated minimum execution timeframe. Delivery times may vary. We are not responsible for failure for the receiving bank to pass on the payment to the receiver.Our maximum execution timeframes for payments represent the maximum execution cycle permitted by law for payments in EEA currencies within the EEA. The actual execution timeframes are more likely to be reflected by the minimum execution cycles indicated.
**Execution timeframe is a minimum of same business day and a maximum of 1 business day subject to cut off times for EUR payments.
Execution timeframes for EEA Currency payments to EEA countries a minimum of 2 business days and a maximum of 4 business days subject to cut off times.
For more information on International Payments please refer to the Schedule of International Transactions Charges (PDF, 33 pages, 492KB) brochure, available in your branch or on this site.
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Cut-Off Times for receipt of payments from Sepa Zone(1) and Other EEA Currencies (Subject to value date requested on the payment)
Currency Code
Currency Name
Cut-off time for receipt of payment (GMT)
EUR
Euro
15:45
GBP
Sterling
16:00
CHF
Swiss Franc
15:30
CZK
Czech Koruna
15:30
DKK
Danish Krone
15:30
HUF
Hungarian Forint
15:30
NOK
Norwegian Krone
15:30
PLN
Polish Zloty
15:30
SEK
Swedish Krona
15:30
*Cut-off times do not apply to Instant Credit Transfers, as an Instant Credit Transfer can be processed on any Calendar Day.
Cut-Off Times for receipt of payments in non-Sepa currencies (Subject to value date requested on the payment)
Currency Code
Currency Name
Cut-off time for receipt of payment (GMT)
AED
UAE Dirham
14:00
AUD
Australian Dollar
15:00
CAD
Canadian Dollars
14:30
HKD
Hong Kong Dollar
13:00
ILS
Israeli Shekel
14:00
INR
Indian Rupee
14:00
JPY
Japanese Yen
15:00
KWD
Kuwaiti Dinar
14:00
MXN
Mexican Peso
16:00
NZD
New Zealand Dollar
15:00
OMR
Omani Rial
14:00
PHP
Philippine Peso
12:00
QAR
Qatari Rial
14:00
SAR
Saudi Arabian Riyal
14:00
SGD
Singapore Dollar
13:00
THB
Thai Baht
16:00
TRY
Turkish Lira
14:30
USD
US Dollar
16:00
ZAR
South African Rand
15:00
(1) SEPA zone = EU Member States, Iceland, Liechtenstein Norway and Switzerland. There are a number of additional SEPA zone territories. Other EEA currencies, supported by AIB, are: CHF - Swiss Franc, CZK – Czech Koruna, DKK –Danish Krone, HUF – Hungarian Forint, NOK – Norwegian Krone, PLN – Polish Zloty, SEK – Swedish Krona.
Please note that currency payments received after the cut-off time for that currency will receive value 1 day later than the value applied to payments received prior to cut-off time.
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An exchange rate is applied to an international payment, when the currency of the payment is different to the currency of the debit or credit account. Standard exchange rates which are applicable on the relevant business day quoted are available to view online at AIB website. These variable exchange rates change are subject to change at any time.
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To ensure that your outgoing international payment is made correctly you should have the following minimum information:
(a) The name and address of the receiver to whom you are transferring the funds.
(b) Either the BIC or the full name and address of the foreign bank branch at which the receiver maintains their bank account.
(c) The International Bank Account Number (IBAN) or normal bank account number of the receiver's account with the foreign bank.
(d) The national bank code (where available) of the bank branch at which the receiver's account is maintained. This is not required if an IBAN is provided.
Please ensure that the information provided is accurate and complete. Failure to provide the correct information may result in your International Payment being returned to your account for a lesser amount due to foreign bank fees and charges and/or exchange rate losses.
Further detailed information on country specific formatting requirements.
IBAN is mandatory for all International euro payments to SEPA zone countries. For incoming and outgoing non SEPA International Payments, AIB recommends using the IBAN and BIC where they are available.
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We are unable to send payments to certain destinations. If the country you wish to send a payment to does not appear in the Country drop-down list in the payment input screen, please contact your local branch for more information.
Routing & Status of International Payments
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In order to deliver an international payment service, AIB relies on the services of Intermediary Banks to provide us with access to the local payment system in each country.
Most international payments are made in the currency of the Receiver's country e.g. USD payments to the USA or GBP payments to the UK. With these payments, the Intermediary Bank is located in the country of the receiver and they will pass the proceeds of the payment to the receiver's bank through the national banking system in the country. The Intermediary Banks will normally deduct their fees or charges from the payment amount before the payment is passed to the receiver's bank.
Sometimes payments are made in a third currency i.e. a payment that is not made in the currency of the Sender or the receiver's country. For example a payment from Ireland in USD sent to Japan. With such payments, we may be able to send a payment order directly to the receiver's bank and arrange the USD settlement for the payment from their USD bank account in the USA to the Japanese bank's USD account in the USA.
In some cases the Japanese bank may not be an agent bank for us. In such case we will try to identify a bank in the USA, where the Japanese bank maintains an account. We will then send the payment through its US Agent bank to be passed to the US Agent bank of the Japanese bank. In such a payment a minimum of two Agent banks would be involved, both of which will apply a charge for handling the payment.
On rare occasions we may not be able to identify the US Agent bank for the Japanese bank and may request the customer to obtain this information from the receiver of the payment.
Due to the complexity involved in delivering payments to the receiver's bank and the extent of our intermediary bank network (approximately 1800 banks worldwide), it is not possible for us to indicate the amount of any Intermediary bank charges that may be deducted from a payment or charged back to the Sender.
We try to limit the amount of charges applied by Intermediary (Agent) banks, by routing payments through recognised clearing and settlement systems directly to the Receiver's Bank (e.g. Target, European Banking Authority (EBA), STEP 2) or through preferred Intermediary banks selected by us or nominated by the receiver's bank.
The charges of Intermediary (Agent) Banks and/or the Receiving Bank may be higher than similar charges applied in Ireland.
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The status of a payment can be viewed in the 'Payment Logs'.
This can be accessed by clicking 'Transfers & Payments' on the left of the screen.
'My Payments Logs' tab is at the top of this screen.
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Status
Definition
Pending
We have received the payment but processing of the payment has not commenced.
Processing
We have received the payment and processing has commenced. The payment is awaiting confirmation.
Complete
The payment has been processed and has been released by us. This does not mean that the money has been credited to the receiver's account by the receiving bank.
Rejected
The payment has been rejected.
Returned
The payment has been returned from the receiving bank as they were unable to apply funds to the receiver's account.
If your International Payment on AIB Internet Banking displays a status of 'Rejected' and you need to establish the reason for this, please contact 0818 724 724 or if calling from outside the Republic of Ireland, please contact + 353 1 771 2424 -
We use unique references for all incoming and outgoing international payments that are either credited to or debited from your account. These references are quoted on your payment log or on paper advise.
If you have a question about International Payments, please ensure to quote the reference. For any queries, please contact 0818 724 724 or if calling from outside the Republic of Ireland, please contact + 353 1 771 2424.
Reusing Payments
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You may re-use the payment details for a previously made International Payment on the basis that the status of the payment is 'COMPLETE'.
The status of your International Payments may be viewed in the Payment Log. If the international payment details that you wish to re-use have a 'COMPLETE' status you may select the 'RE-USE' button.
You will be required to input the following information:
account you wish to debit to make the International Payment - this is a mandatory field
message to receiver
amount of the payment - this is a mandatory field
message to appear on your statement
Requesting a recall or amending an international payment
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Once accepted by us for execution, an international payment is irrevocable, it cannot be cancelled. In the case where you want to request a recall of the international payment, we will endeavour to recall this instruction.
However, in the instance where you wish to recall a payment that has been confirmed through AIB Internet Banking, we suggest you contact the beneficiary directly and request they return the funds directly. There is no guarantee that we can action the recall request, as the Receiver will have to authorise their bank to debit the funds from their account
If an international payment is recalled, exchange rate losses may be incurred if the international payment was subject to an exchange rate conversion either on the sending or receiving side. In addition the recalled payment may also be subject to a deduction of fees and charges by intermediary and/or receiver banks.
Intermediary (Agent) Banks or the receiver's bank may also charge where investigations are requested.
Please see 'Useful Contacts' below.
Other information
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A payment product code is a three digit code used to identify our payment products and the payment fee related to it. From the 2 July 2018 you will see these payment product codes on your account ledger and statements. The table below outlines each product code and the type of instruction you used:
Product Code
Our payment service
Instruction Type
O03
Paylink Euro SEPA Standard
Paper Instruction
O03
Paylink Euro SEPA Instant
Paper Instruction
O08 Paylink Euro SEPA Standard Electronic Instruction O08 Paylink Euro SEPA Instant Electronic Instruction O20
Paylink Euro Urgent
Paper Instruction
O19
Paylink Euro Urgent
Electronic Instruction
O02
Paylink Standard
Paper Instruction
O05
Paylink Standard
Electronic Instruction
O01
Paylink Urgent
Paper Instruction
O04
Paylink Urgent
Electronic Instruction
I12
InPay Euro
*N/A
I03
InPay Global – For amounts greater than €127
*N/A
*N/A = Not Applicable
The charges associated with these Product code are outlined in our Schedule of International Transaction Charges (PDF, 33 pages, 492KB) brochure on our website.
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The receiver account number must be in IBAN format for all international payments to EEA countries and certain Non-EEA countries. List of IBAN mandatory countries (PDF, 5 pages, 253KB).
We recommend that the IBAN is used in conjunction with the BIC of the receiver's bank to ensure correct identification of the receiver's bank branch and their account number within that branch. Further detailed information on country specific formatting requirements.
Please contact the receiver in these countries to obtain their correct IBAN account information and BIC details before initiating any payments.
Failure to provide IBAN account information for payments to these countries may result in your payment being delayed, cancelled or returned by the receiver's bank.
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A CLABE (Clave Bancaria Estandarizada), is an 18-digit number, to uniquely identify Mexican account holders, to guarantee the correct posting of electronic payments. The CLABE is assigned to each bank account in Mexico.
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An IFSC code (Indian Financial System Code) is an 11 character alphanumeric code that uniquely identifies a bank-branch in India.
A PIN (Postal Index number) is a 6 digit postal code which helps to identify the location of the bank-branch in India.
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When making international payments to certain countries, Purpose of Payment (PoP) codes are mandatory. Without this information your payment will be delayed or rejected by the receiving bank. List of these countries and the related codes.
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The most effective means of sending or receiving money cross border is generally by International Payment. Drafts and cheques (including international euro cheques) not drawn on a bank in the Republic of Ireland cannot be cleared through the Irish clearing system. Clearing rules and clearing cycles differ depending on the country/location of the bank on which the draft/cheque is drawn. Due to the absence of a central European or international clearing system for paper, there is no standard mechanism or time period for clearance of paper items i.e. drafts and cheques.
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International payments and certain domestic payments are made by AIB via the Belgium-based Society for Worldwide Interbank Financial Telecommunication (SWIFT). SWIFT processes payments on behalf of financial institutions worldwide and is currently the only organisation providing such a service. All transactions processed in Belgium are replicated in a backup system ('mirror site') in the United States of America (US). Maintaining a geographically separated back-up infrastructure to ensure continued operation is in line with international standards and supervisory requirements.
On foot of official subpoena(s), transaction data held in the US 'mirror site' may be disclosed to US, or other authorities for the purposes of combating terrorism and other serious crime. Therefore, any information you provide to AIB in order to effect a SWIFT payment could potentially be disclosed to US authorities, and by instructing AIB to execute a payment, you are implicitly giving your consent to such a disclosure.
AIB reserves the right to amend this notice at any time, and you should regularly check for any amendments.
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For any queries relating to International Payments on AIB Internet Banking, please contact 0818 724 724 or if calling from outside the Republic of Ireland, please contact + 353 1 771 2424.
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We provide a comprehensive suite of International Payment products to facilitate customers in sending and receiving international payments. Further detailed information on international payments.
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A ‘Receiver Bank Code’ is specific to the country. You can get this code from your payee.
For example, if you make a payment to the UK, the NSC (National Sort Code) is the ‘bank code’ and you need it to make the payment on Internet Banking.
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