Personal Current Account Fee FAQs

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  • I recently received a letter that told me AIB were going to remove free maintenance and transaction fees when I have kept a minimum balance of €2,500 in each quarter in my account. Is this correct?

    The previously communicated removal of free maintenance and transaction fees when you have kept a minimum balance of €2,500 in each quarter in your account has been suspended and will not now take place on 30th May 2020.

  • I recently received an email that told me AIB were going to remove free maintenance and transaction fees when I have kept a minimum balance of €2,500 in each quarter in my account. Is this correct?

    The previously communicated removal of free maintenance and transaction fees when you have kept a minimum balance of €2,500 in each quarter in your account has been suspended and will not now take place on 30th May 2020.

  • I recently received a letter that told me AIB were going to start charging 1c for each contactless transaction from 30th May 2020 is that correct?

    The previously communicated introduction of 1c charge for contactless transaction has been suspended and will not now take place on 30th May 2020.

  • I recently received an email that told me AIB were going to start charging 1c for each contactless transaction from 30th May 2020 is that correct?

    The previously communicated introduction of 1c charge for contactless transaction has been suspended and will not now take place on 30th May 2020.

  • What am I getting for paying for my fees?

    In return for the quarterly fees and charges our customers receive a full service Current Account, safe and secure easy payments, access to their money worldwide and use of their debit card for daily transactions. In addition, customers can bank with us over the phone, online, through our award-winning mobile app, at ATMs, in over 200 local branches and through every An Post Office.

  • Will any customers continue to get maintenance and transaction fee free banking?

    Yes we will continue to provide banking free of maintenance and transactions fees for:

    • Student Accounts;

    • Graduate Accounts;

    • Advantage (aged 66 years+);

    • Basic Bank Accounts

    • Current Accounts for our customers who pay their AIB private dwelling house mortgage from that account and

    • Current Accounts for our customers who keep a minimum balance of €2,500 in each quarter.



  • I keep a balance of €2,500 in my current account, can I continue to bank for free?

    Yes, you will continue to be able to bank free of maintenance and transaction fees if you hold €2,500 each day in your current account for the entire quarter.

  • I don’t pay fees because I have a mortgage with you and I pay it from my AIB current account. Will I still be able to bank for free?

    Yes. You can continue to bank free of maintenance and transaction charges on that current account.

  • What is a contactless transaction?

    A contactless transaction is one where you ‘tap’ your debit card or phone to pay for something.

  • What is the fee for a contactless transaction?

    Each contactless transaction is free until further notice.

  • Can I reduce the fees you’re charging me?

    Yes, you can. There are many ways you can reduce fees. We suggest you check out the following webpage that will help you:
     

  • How will you tell me about my fees?

    • If your fees and charges are more than €10 in any fee quarter, we will give you a detailed breakdown of the amount we are charging at least 10 days before we apply the charge to your account.
    • If you are registered for online banking then this will be available under ‘Statements & Fees’ when you log in online (eFee Advice), and if not we’ll write to you (Fee Advice).
    • If your fees are €10 or less you can call into your branch and ask us for a breakdown.  
  • Can I get a breakdown of my fees online?

    If your fees are more than €10, this is available in your online banking under ‘Statements & Fees’.
     

    Click here for step-by-step directions.
     

    If your fees are €10 or less, you can call into your branch and ask us for a breakdown.

  • What account fees will you charge me for?

    We charge a quarterly account maintenance fee for maintaining your account and there are also fees for the transactions on your account.
     

    Details of account maintenance and account transaction fees are available in our ‘A Guide to Fees and Charges for Personal Accounts'

  • When do you charge maintenance and transaction fees?

    We charge our maintenance and transaction fees to your account each quarter in March, June, September and December on the 28th day or where the 28th is not a business day, the next business day.


    The next time we will charge fees will be 30 March 2020.

  • How do you charge the fees?

    We debit your fees directly from your account quarterly in March, June, September and December on the 28th day of the month or where the 28th is not a business day, the next business day.
     

    Account fees are calculated each quarter on the last working Friday of February, May, August and November.

  • Can I change the date on which you charge me fees?

    No, we charge all personal customers on the same day.

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