Mobile Banking FAQs

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  • Do I need to register to use AIB Mobile Banking?


    You must be registered for AIB Phone & Internet Banking to use the Mobile App. You can log into the AIB Mobile Banking service using your existing 8 digit Registration Number and 5 digit Personal Access Code (PAC) during initial set up of the App. For every subsequent log in you will only need to enter in the 3 random digits from your PAC.

    You can sign up to AIB Phone & Internet banking here


  • What payment options are available on AIB Mobile Banking?

    • Transfer funds between your own accounts
    • Transfer funds to other Irish accounts which have already been setup and saved using AIB Phone & Internet Banking
    • Transfer up to €1,000 per day to Irish accounts which have not been setup before.
      • These accounts cannot be saved on the App.  To transfer more to someone new, or to save their details please log into AIB Internet Banking on your browser and have your AIB Card Reader ready to confirm the request.
    • Pay your existing bills, or set up new utility bills on the App. 
    • Credit Card bills must be setup using AIB Phone and Internet Banking, but once that’s done you can pay them using the App at any time in the month.
    • Top Up mobile phone numbers (Vodafone, Meteor, Three, eir Mobile, Tesco Mobile)



    Transaction limits apply to these payments, to find out more click here.

    Some transaction fees may also apply, for more information click here.


    International payments are not available on the App as these require a card reader.  To access those payments please log into the browser AIB Internet Banking.


  • What other services are available on the App?

    Banking is more than just moving money around.  All of this is readily available in your App too;


    • Quick Balance lets you view up to 2 account balances without logging in.

    • Check your account balances and available funds (branch banking accounts, credit card, home mortgage, AIB Finance & Leasing, ARK Life/Aviva)

    • View recent & pending transactions on your accounts

    • Search for recent and incoming payments on your account using the Payment Logs

    • View & cancel your Direct Debits and Standing Orders

    • View up to 7 years of bank statements

    • Cancel and replace your AIB Credit/Debit Card if it has been lost, stolen, retained by an ATM, or if you have never received it

    • Add a Travel Note to your Debit & Credit cards

    • Sync your app with your SmartWatch to view Quick Balance on your watch

    • Apply for a Personal Loan for up to €30,000

    • Apply for a Loan Top-Up to increase an existing loan to a maximum of €30,000

    • Apply for an AIB Click Credit Card

    • Order a Replacement card for your damaged AIB Credit/Debit Card

    • Apply for Travel Insurance



    If you encounter any difficulties with using these services, please call our Customer Service Advisers on 0818 724 724 (International +353 1 771 2424).

    If you encounter any problem with your mobile phone internet connection, you should contact your mobile network provider.


  • What is Quick Balance?


    Quick Balance is an optional feature that allows you to view your account balance and available funds of up to 2 selected accounts without logging into the App by holding the button on the PAC (Personal Access Code) entry screen.

    We recommend that you keep your phone locked to prevent other users from viewing this balance.


  • Can I turn off the Quick Balance feature?



    Yes, Quick Balance can be turned on and off as often as you like. To change your Quick Balance settings go to the ‘Services’ menu within the App, then select ‘App Settings’ and select the Quick Balance option.


    You can also change the accounts that you nominate for Quick Balance on this page of the Services menu. (Quick Balance can display up to 2 accounts of your choice). 



  • I have lost my phone, can I unregister my Registration Number from the phone?



    No need to panic, we have your back.  Log into AIB Internet Banking or AIB Tablet Banking, select the ‘Services & Settings’ menu option and from the dropdown select ‘Manage My Devices’. 

    This screen will show you a list of devices that your Registration Number is linked to.  Press the ‘Remove’ button and follow the on-screen instructions to unregister. Once your phone is unregistered it will no longer retain the quick balance functionality and access to your mobile App with your registration number.  We strongly advise that you unregister your phone if you have lost it to ensure continued security.


    Or you can call a Customer Service Advisor on 0818 724 724 (+353 1 771 2424)



  • I tried to set a new PAC number but I received the error to say my details didn’t match your records. What do I do?

    To reset your PAC you need all of the details that AIB holds on your file.  If you have received this error it’s best to call our Customer Service team on 0818 724 724 (+353 1 771 2424).  Our Advisors can help you to reset your PAC and update your details accordingly.

  • How do I sync my SmartWatch with my Mobile App?


    Apple iWatch:

    Update your AIB Mobile Banking App in the App Store to version 4.2 or above.

    When you pair your watch to your phone, pressing ‘Install All’ will automatically sync your AIB Mobile Banking App to your iWatch.

    In your ‘Apple Watch’ App you can adjust the settings to select the option to display the AIB App on your watch.


    Android SmartWatches:

    Update your AIB Mobile Banking App in the App Store to version 5.2 or above.

    Log into the AIB App on your phone and select the ‘Quick Balance’ option under the ‘Services’ menu.  When your phone has been paired with a SmartWatch the options to enable or disable Quick Balance on the watch will appear in this menu.


  • How do I turn notifications on/off (on my app and my watch)?

    Turning Phone Notifications on/off:



    Notifications are automatically switched on for anyone with AIB Mobile App version 5.6.3 or above.

    To adjust or disable notifications, go to your phone settings and locate the AIB Mobile App in your App manager.



    After updating to the app to version 4.8 or above, within the AIB app go to App Settings then select ‘Push notification’ and select “Ok” in the pop up message that appears.  This turns on app notifications.


    To disable notifications, go to your iPhone settings > AIB Mobile > Notifications


    Help us to help you – we want the app notifications to be useful for you.  What would you like your app to notify you about?  Tell us at or on Twitter @AskAIB


    Turning SmartWatch Notifications on/off:
    You can disable notifications on your smartwatch, but keep them enabled for your phone.  There are different ways to manage this depending on the type of smartwatch that you own:

    Open your Android Wear app on your phone, and go to the settings of that app to enable/disable your smartwatch notifications from AIB.

    Open your iWatch app and select “Notifications” to enable/disable your Apple Watch notifications from AIB. 

  • I need to log into another profile with a different Registration Number, how do I do this?


    When you open the App, before entering your PAC, press the icon on the top right corner of the screen to access “One time login”. 


    Once you have entered the 8 digit Registration Number and 3 random PAC digits of the other profile you will have access to all the full functionality in the App.  After logging out of this profile your details will not be stored on the phone.


    Please remember though, if you are giving your phone to a friend/family member, they could see your Quick Balance if you have it turned on.  


  • What do I require to access AIB Mobile Banking?


    To access AIB Mobile Banking our customers require:

    1.      Either an iPhone running on iOS 8 or above, or an Android phone running on version 5.0 or above

    2.      The AIB Mobile App downloaded from the Apple App store or Google Play store

    3.      Log on details for AIB Phone & Internet Banking

    4.      An internet connection

    Customer connectivity to AIB Mobile Banking, using the mobile phone signal, will depend on the telecom provider's mobile / wi-fi / broadband network speed. This may vary depending on:

    1. The number of customers accessing the mobile provider's network at any given time.
    2. Whether the phone is receiving a 3G signal from the mobile provider's network.
    3. The type of phone, operating system and/or browser being used.

    If you encounter any problem with your mobile phone internet connection, you should contact your mobile network provider /broadband or wi-fi service provider.


  • What are my Available Funds?


    Your 'Available Funds' show the actual amount you can transfer or withdraw from your account including where applicable any overdraft limit approved on your account. The amount is subject to transaction limits and takes into account "Pending transactions" which have not yet been processed to your account.* Depending on your account set up 'Available Funds' may also include items which have not yet cleared and also items which may later be returned unpaid on your account.


    If you have €500 in your account with pending debit card transactions of €200 and an overdraft of €500:

    Your 'Available Funds' would be €800.

    If the Bank has agreed to a set-off arrangement where the balance in one of your accounts may be used when making payment decisions on another of your accounts, the available funds on your current account may be increased or decreased by the available funds in another current account(s) held by you. i.e. the available funds are combined. To calculate the actual available funds amount, amalgamate the available funds amount in each current account.

    If you have available funds in account A of €1000 CR and available funds of €200 DR in account B, your combined available funds is €800 CR.

    * Note: There may be debit card transactions which are not reflected in your 'Pending' section of the transaction screen or 'Available Funds' where they have not yet been advised to us due to the nature in which the retailer / merchant processes debit card transactions.


  • What is my Balance?


    The "Accounts overview screen" Balance

    The balance that appears on your Quick Balance service will depend on which account you have selected for this service. See the section on Quick Balance for more information.

    For some customers the balance will only include transactions which have been processed to their account. This does not include any Debit Card transactions not yet posted to their account including those in the "Pending" section of the account transactions screen.

    Other customers will see a balance which does take account of "pending transactions" which have not yet been processed to the account. For these customers this balance will not include items lodged to their account which have not yet cleared.

    In all cases any items lodged may later be returned unpaid on the account. If you want to further understand how your balance operates please contact a Customer Service Advisor on 0818 724 724 or +353 1 77 12 424.

    Account Transaction Screen Balance

    This is the screen that appears when you select an account from the initial overview screen. The balance that appears at the top of the screen is your account's opening balance on today's date amended to reflect any lodgements, withdrawals or payments made on your account today. It does not include any Debit Card transactions not yet posted to your account including those appearing in the "Pending” section of the screen.

    * Note: There may be debit card transactions which are not reflected in your 'Pending Debit Card Transactions' or 'Available Funds' where they have not yet been advised to us due to the nature in which the merchant processes debit card transactions.


  • What are my Pending Transactions?

    Your 'Pending Transactions' are displayed in the recent transaction screen of your account.  These are transactions which you have completed but have not yet been processed to your account. These transactions generally process to your account within a number of days after the transaction has been completed. However, the timelines can vary as this will depend on the retailer / merchant. Please note there may be debit card transactions that do not appear on this list where they have not yet been advised to us due to the nature in which the retailer / merchant processes debit card transactions.

  • Is AIB Mobile Banking secure?

    Yes. AIB Mobile Banking is a secure, safe and convenient way to manage your money on the go. The service provides the same high level of security as you enjoy on AIB Internet Banking. 

    When you initially set up, first you enter your 8-digit Registration number followed by the 3 random digits from your PAC (Personal Access Code). After this initial setup process you will only need to enter in the 3 random digits from your PAC at each subsequent log in. The set up process for the App will securely tie your Registration number to your mobile phone. You can unregister your Registration number from your phone within the App or if you have concerns of fraud you can also unregister the App via Internet Banking, Tablet Banking or by calling a Customer Service Advisor on 0818 724 724 or +353 1 77 12 424. 

    To ensure you can access your accounts over the Internet with the utmost confidence, we use the highest levels of industry standard security. As part of this security we use 128-bit Secure Socket Layer (SSL) encryption to protect your information.

    AIB Mobile Banking will automatically log you out after 4 minutes of inactivity. You must be actively browsing to stay connected (i.e. switching between accounts).

    This feature aims to protect you against unauthorised access. You will need to log in again if you wish to continue using AIB Mobile Banking.



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