Personal current account customers who maintain a minimum daily credit statement balance of €2,500 in the account for each fee quarter can qualify for maintenance and transaction free banking.
The statement balance is the end of day account balance. It is not impacted by any uncleared items, e.g. due to cheques lodged but not yet cleared or pending debit card transactions. You can view this balance when you receive your statement or eStatement (it is the balance that appears in the Balance column), on AIB Phone, Internet or Kiosk banking or at an AIB ATM.
Customers are responsible for making provision for any debit transactions that could bring the account balance below €2,500. This includes debit interest, quarterly maintenance and transaction fees, other bank charges and government stamp duty. Your account will be charged account maintenance and transaction fees for the entire fee quarter if it has not met the revised criteria.
Account fees are calculated quarterly on the last business Friday of February, May, August and November. The fees will be charged on the 28th (or where the 28th is not a business day, the next business day) of March, June, September and December.
If you don't qualify for maintenance and transaction free banking, you can still reduce the level of your fees by using automated/self service transactions whenever possible. For information on how you can minimise transaction fees click here.
Credit Interest does not apply to AIB personal current accounts.
Certain other charges may still apply, see A Guide to Fees and Charges for Personal Accounts. This offer is available until further notice.
By qualifying for this offering you will benefit from:
|Free ATM withdrawals
||Free direct debit transactions
|Free automated credits (e.g. salary)
||Free AIB Phone & Internet Banking transactions
|Free AIB Debit Card transactions
||Free standing order transactions
||Free mobile top up transactions
In addition, no quarterly account maintenance charge will apply.
Within ROI and Eurozone. Non-euro transactions will attract the normal foreign exchange charges, commissions and scheme fees. Please see our booklet 'Schedule of International Transaction Charges'.
AIB Phone & Internet Banking includes AIB Phone Banking, AIB Internet Banking and AIB Mobile Banking.