A Way to Bank Free of Maintenance and Transaction Fees

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.

 

Please Note:

  • This offer does not apply to the Online Overdraft or Masterplan products

  • Each personal current account must qualify in its own right.

  • There is no change to the existing terms and conditions for Students, Graduates and AIB Advantage Account customers

 

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 cheques Free mobile top up transactions
Free lodgements Free withdrawals
 

In addition, no quarterly account maintenance charge will apply.

 

Notes:
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.

More Ways to Bank Free of Maintenance and Transaction Fees:

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Advantage-Acount
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How to Minimise Transaction Fees

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.

Important / Regulatory Wording

Debit Cards are liable to annual Government Stamp Duty which will be charged at a rate of €0.12 per ATM transaction. Government Stamp Duty only applies to ATM transactions carried out within Ireland (excluding Northern Ireland). This charge is capped at €2.50 if you only use your debit card for ATM transactions and capped at €5 if you use your debit card for both purchases and ATM transactions. Government Stamp Duty charge on debit cards is applied in January, for the previous year. Government Stamp Duty of €0.50 per cheque applies.