AIB Student Card

• Special introductory annual interest rate of 3.83% (variable) on purchases for the first 12 months from account opening (Fees, Charges and Important Information).

  
  

• Annual interest rate of 14.85% (variable)

  
  

• Annual Percentage (APR)  20.5% (variable)
  Representative Example: Assuming a credit limit on your card of €1,500, you used your full limit to make a single card purchase immediately after receiving your card, and you repaid in equal monthly payments over 12 months at an interest rate of 14.85% variable, (Representative 20.5% APR variable), the total amount you will pay back is €1,620.66 which includes Government stamp duty charge of €30.00. Interest charged would be €120.66.

  
  

• No annual bank fee
  (Government stamp duty of €30.00 is charged annually per credit card account). Other fees and Charges may apply (Fees, Charges and Important Information).

  
  

• Up to 56 days interest free credit
  If you clear your balance in full and on time each month, you can avoid paying interest.

  
  

• Contactless Payment
  The card is enabled for Contactless payments. When the transaction is less than €30, you can choose to touch and pay where you see the contactless symbol  For more information please click here




• Mobile Payments You can pay for your purchases quickly and securely using Google Pay™ and Apple Pay. Simply touch and pay for items that cost €30 or less with Google Pay/Apple Pay. For items over €30 you can pay using Google Pay/Apple Pay depending on the retailer. Just look for the below symbols:

    

• Be a third level student in full time education

• Have an AIB Student Plus account

• Be over 18

• Have held a bank account for a minimum of 3 months

• Spread your repayments
  With an AIB Student Visa Card, you decide how much you want to repay from the minimum amount (3 % or €6.35, whichever is greater) to the full outstanding balance by direct debit. The Student Visa Card must be paid by direct debit.

• Customer Service

  If you have any queries, contact us on (01) 668 5500 (or +353 1 6685500 from abroad). If your card is Lost or Stolen, please contact us 24 hours a day, 7 days a week on: 1800 24 22 27 within Ireland (or +353 1 269 5022 from abroad). We’re here to help.




• Secure Online Shopping

  Secure Internet Shopping for peace of mind when shopping online with Verified by Visa.




• Instant cash
  You can use your AIB Student Visa Card along with your PIN (Personal Identification Number) to withdraw cash at any ATM (Automatic Teller Machine) or Bank that displays the Visa logo at home and abroad. Annual cash interest rates and fees and charges apply, please view Important Information for fees and charges for more information.
  




• Emergency Cash Facility
  In emergency situations, if your credit card is lost or stolen when abroad, we can, on approval, provide you with emergency Cash up to US$5,000.00 (subject to available credit, Cash Advance and Currency Conversion fees and charges may apply). The emergency cash is normally available within 48 hours in most countries. In order to claim emergency cash you will be required to present your passport as proof of identity at a Western Union outlet near your location, as advised by our customer service staff. If your credit card is lost or stolen please call us immediately on (01) 668 5500 (or +353 1 668 5500 from abroad).

To comply with legislation to combat money laundering and terrorist financing, we will need to see suitable documentation to verify both your identity and your current permanent address.

What you need: 
 

• Proof of Identity: a valid Passport, Driver’s Licence, EU National Identity Card

• Proof of Current Permanent Address (documents must be no more than 6 months old): Utility Bill, Correspondence from a regulated financial institution (insurance/assurance co., bank, credit card company or investment company), Correspondence from a government department/body.

We will require a certified copy of your Proof of Identity and two certified copies of your proof of address. Your documents can be certified by a practicing solicitor, Garda or certified at your local AIB Branch. 

Note: The name on your photographic identification must exactly match the name on your proof of address. Please talk to one of our staff at your local AIB branch if you don’t have the documentation outlined above.

We are required by law to collect and verify your Personal Public Service Number (PPSN) or Tax Reference Number (TRN). This is required by the Central Bank of Ireland’s Central Credit Register for customer identification.

In order to verify your PPSN/TRN you may need to provide us with an original or electronic version (for example, a PDF or photo) of a document showing your PPSN/TRN and full name. For a full list of acceptable documents and more information on how to provide it, visit www.aib.ie/ccr or your local AIB Branch.