Find a branch

We are making changes to our debit card terms and conditions, to introduce a new service called ‘Click to Pay’.

Click to Pay is a secure online checkout service that lets you make purchases with participating retailers without entering your card details each time. This service is offered by AIB, together with Visa, and is separate from click to pay services offered by Visa.

The table below outlines the changes we are making to the debit card terms and conditions. The new set of debit card terms and conditions come into effect on the 20 May 2026. We’ve also included links on this page where you can read the current debit card terms and conditions, as well as the new version.

Please let anyone with an additional debit card on your account know about these changes. If you are under 18, you may need to discuss this with a parent or guardian. 

Do I need to do anything?

To accept these changes, you don’t need to do anything.

If you don’t want to accept these debit card terms and conditions changes, you can cancel your debit card before 20 May 2026. You can do this by contacting us on (01) 2695022, or from outside of Ireland on + 353 1 2695022 (Monday-Friday 9:00-17:00, except bank holidays).

If we don’t hear from you before 20 May 2026, these changes will apply to your debit card.

What are the changes to our debit card terms and conditions?

What does this look like in my debit card terms and conditions? 

Where text has been amended within a condition, we have highlighted the new text in purple and in italics.

Where can I find this?
‘Card’ means the debit card issued by us to you for the purpose of effecting Transactions on the Account in accordance with the terms of this Agreement. This incorporates all elements of the Card, including, without limitation, the chip, which is the embedded circuit on the Card, and Card number. The term also includes a ‘Digital Card’, defined below;
Definition
(amended)
‘Click to Pay’ is a secure online checkout service we provide and is available with participating Merchants. It lets you make online purchases without entering your Card details each time. The service or its name may change, be updated, replaced or cancelled from time to time. References in this Agreement relate only to the Click to Pay service we provide. They do not apply to click to pay services offered directly by Visa or any other Card Scheme; 
Definition
(new)
‘Digital Card’ means the Card and/or any virtual or digital representations of your Card, for example, registered in a Digital Wallet and/or registered with Click to Pay;
Definition
(amended)
2.11 Where Click to Pay is available for your Card, and subject to eligibility, we will automatically register you for this service. Eligibility may vary, for example, your Card must not have expired or been cancelled and you must have a verified email address and verified mobile number. If your contact details are not verified or become unverified, Click to Pay won’t be available for your Card. You can choose to use Click to Pay at the online checkout of participating Merchants and you can opt out at any time by contacting us. For security reasons, you may be asked to take additional steps to confirm your identity. This could include using Security Details and/or using a Safeguard System. For more information, visit AIB Website.
Condition
(new)
Section 4 - Keeping your Card Safe and Secure
By ‘Security Details’ we mean any security process we may require you to follow or use to make an instruction or confirm your identity or access a Device for certain functionality on that Device (for example, a passcode, password, biometric information such as facial recognition, fingerprint or voice).
Condition
(amended)
4.9 If we are notified of safety concerns for your Card, Device or Security Details, we may cancel the Card. If the Card is in your possession, you must immediately destroy the physical Card. If your Card is registered to a Digital Wallet and/or Click to Pay, your replacement Card should automatically update in the Digital Wallet and with Click to Pay by the time you receive your replacement physical Card.
Condition
(amended)

Debit Card Terms and Conditions

Questions and Answers