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Credit Transfer

(Making Payments)

What is a Credit Transfer?

This is when you ask us to transfer money, from your account to another account.

These are the types of Credit Transfer we provide

International Payments

You can make payments from your own accounts in all major currencies to most destinations worldwide through internet banking, self-service kiosk or in branch. You can use the forms below for these payments.

Under International Payment, we have two options. Please use the correct form and read the Terms and Conditions on the back of each document.

  • Paylink Euro (PDF, 3 pages, 208KB) - you can send euro, as a SEPA Standard, or a SEPA Instant payment to countries and territories in the Single Euro Payments Area (SEPA) countries. Euro Urgent payments can also be used to send euro payments quickly, typically of high value, where the recipient’s bank is, or is not, in the SEPA scheme. We charge for Euro Urgent payments.

  • Paylink (PDF, 3 pages, 294KB) - you can transfer in all major currencies to most destinations worldwide on a standard, or urgent basis, excluding euro payments allowed through Paylink Euro.

More information on the product features and charges.

SEPA Credit Transfer

With a SEPA credit transfer you can transfer euro payments from one account to another within the SEPA zone.

The different types of SEPA credit transfers you can make online:

  • Pay a contact - transfer euro from your AIB accounts to another AIB account with just the use of their phone number. You can set up How to pay a contact? here.

  • Zippay - available in your mobile app from early 2026, for more information click Zippay

  • Between my accounts - transfer money between your AIB ROI Euro Accounts.

  • Pay another account – transfer euro from your AIB account to another AIB account or to an account with another bank within the SEPA zone (Ireland and overseas).

  • Pay a bill - options to easily pay bills, up to 28 days in advance.

You can make credit transfers through the following:

  • Internet banking

  • Mobile banking

  • Phone banking

  • In branch

  • Self-service kiosk within the branch

Fees and charges,.

Cut off times