A current account with all the essentials you need to help make managing your money easy and convenient.

The AIB Advantage Account is a current account that you are eligible to apply for if you are aged 66 or over.

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AIB Advantage Account

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    Features and Benefits

    Enjoy banking free from maintenance and transaction fees with an AIB Advantage Account.

    If you are aged 66 or over, you can benefit from banking free from maintenance and transaction fees on your AIB Advantage Account. See A Guide to Fees and Charges for Personal Accounts for more information.


    Easy access to your money.

    Pay for goods and services with our AIB Debit Card in store or online or use your card to make cash withdrawals at ATMs in Ireland and anywhere in the world where Visa Debit is accepted.

    Terms and conditions apply. Debit cards are liable to annual Government Stamp Duty. Government Stamp Duty 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


    Manage your bills on the go.

    Pay your bills in any AIB branch or through AIB Phone and Internet Banking. Manage your money on the move and download our mobile banking app. See our full range of Ways to Bank Options.


    Never miss a payment.

    Use your AIB Current Account to set up Standing Orders and Direct Debits to automate the scheduling of your regular payments.


    International transfers.

    Send funds in all major currencies from your account to most destinations worldwide through AIB Internet Banking or in any AIB branch. Find out more about International Transfers.


    Deal with unexpected expenses.

    Apply for an overdraft to help you through those times when you really need it. A Personal Overdraft gives you a credit facility on your current account for temporary or occasional use.

    Terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age.  Security may be required. An overdraft facility fee of €25.39 per annum or per overdraft sanction, whichever is the more frequent, will be applied.


    Stay in Control.

    Receive regular statements by post or sign up for a free, convenient and secure method of receiving your eStatements online.

    Before you can switch to eStatements you will need to be registered for AIB Phone & Internet Banking.


    Benefits for you as a Personal Customer aged 66 or over:

    If you are aged 66 or over and have a personal account with AIB Bank, you can receive the following benefits in any AIB branch by notifying branch staff that you are eligible:

    • Foreign Exchange free of Commission Charges
      Commission-free Foreign Exchange applies only to the purchase and sale of foreign currency notes, the purchase of international euro and foreign currency cheques and bank drafts and the sale of international euro and foreign currency bank drafts. Find out more – link to Schedule of International Transaction Charges.

    • Domestic Euro Bank Drafts free of Service/Commission Charges
      The sale of domestic euro Bank Drafts is free of service/commission charges – Medallion Stamp Duty €0.50 applies per draft.

    How to obtain these Benefits and the General Conditions that apply.

    • Personal Customers aged 66 or over who hold any personal account with AIB Bank are eligible for the benefits specified above.

    • As a Personal Customer aged 66 or over you must advise staff at the time of each transaction request that you are eligible for these benefits.

    • AIB reserves the right to seek further proof of identification and proof of date of birth from you at any time a service or benefit is requested.

    • These services are only available on face-to-face transactions undertaken in the branch and cannot be applied to any transactions undertaken at an Automated Teller Machine (ATM), AIB Self-Service Banking or through any other electronic means.

    • The above described benefits are available for Personal Customers only. Examples of Personal Customer accounts are Current Accounts, Personal Credit Card Accounts, Mortgage Accounts and Deposit Accounts.

    • For further information on our fees and charges, please refer to our booklet A Guide to Fees and Charges for Personal Accounts.


    Additional Services.

    Top up any Meteor, Vodafone, eMobile, Three and Tesco mobile on the move. Find out more about Mobile Top Ups.

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Talk to Us

Simply call 1890 724 724 (+ 353 1 771 2424 from outside Ireland, lines are open Monday to Friday 9am – 5pm), or drop into any AIB branch. We’ll be happy to answer any questions you may have and find the right kind of current account for you.

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Help and Guidance

Register for AIB Internet Banking today

With secure online and mobile banking, you can manage your money while you’re on the move 24/7

Help Centre

For all service related queries please visit our Help Centre.

Glossary of Terms
This document explains the fees outlined in the Fee Information Document.

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    How to Apply

    To convert your existing personal current account to an AIB Advantage Account, simply call in to any AIB branch and nominate the personal current account(s) which you would like to convert. Alternatively, you can advise your branch in writing.


    Eligible current accounts not identified by you will not automatically be converted to the AIB Advantage Account.
    If you are aged 66 or over but do not have a personal current account with AIB you can contact any AIB branch and open a new AIB Advantage Account.


    Please note that in the case of joint accounts all parties to the account must be aged 66 or over to qualify for an AIB Advantage Account.
    There is no limit to the number of AIB Advantage Accounts you may maintain in your sole name or in joint names with another or others, provided all parties to the account(s) are aged 66 or over.

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    Identification requirements

    You will need to provide us with the following documentation:

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

    Suitable Proof of Identity:
    1. Current Valid signed Passport
    2. Current Valid Driving Licence - must contain photograph (Irish Provisional accepted)
    3. Current EU National Identity Card

    Suitable Proof of Address:
    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, building society, credit card co.), Correspondence from a government department/body.

    Please talk to one of our staff by contacting any of our branches or our customer service helpline (1890 788 336 (+ 353 1 771 2424 from outside Ireland), lines are open Monday to Friday 9am - 5pm), if you do not possess the documentation outlined above.

    The name on your photographic identification (e.g. name on your passport) must exactly match the name on your proof of address (e.g. full name on your gas bill).


    Personal Identifications Requirements

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