Travel and Foreign Exchange
Are you planning on going on holiday?
Did you know you can use your AIB Debit or Credit Card to conveniently and securely access money or pay for goods and services abroad? It offers you access to your money in millions of locations worldwide and means you don’t have to carry lots of cash. You can use your card in shops, hotels, filling stations, restaurants etc. abroad – anywhere that displays the Visa or MasterCard logo.
Why choose AIB Foreign Exchange?
Going abroad, sending or receiving money internationally is less hassle with AIB. We can help you with all the essentials including how to use your Debit Card to arranging Travel Insurance.
Foreign Exchange Rates
Information on AIB Buy rates for incoming International Payments
Information on AIB Sell rates for outgoing International Payments
Information on AIB Foreign Currency Note Exchange Rates
Key Information
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How much will it cost to use your card abroad?
When using your AIB Debit or Personal Credit Card(s) to pay in currency other than Euro, currency conversion fees apply.For more information refer to: Schedule of International Transaction Charges.Note: In addition to the charges outlined in the Schedule of International Transaction Charges, account transaction fees may also apply. For more information refer to:A Guide to Fees and Charges for Personal Accounts or Business Fees and Charges.
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What exchange rate applies when using my AIB cards abroad?
Exchange rates for AIB Debit Card holders and Credit Card holders are set by Visa on a daily basis.To view the rates for all other currencies visit the Visa website.
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I need to send money/pay for goods internationally, what are my options?
- Send an International Payment which is the quickest and most convenient way to send money abroad. All you need is the IBAN and BIC information of the receiver. You can make International Payments online using AIB Internet Banking* or alternatively you can complete the relevant International Payment. Application Form (Paylink or Paylink Euro) and submit it through your branch for processing.
- Pay using your AIB Debit or Credit Card.
- Set up a Single Euro Payments Area (SEPA) Direct Debit or SEPA Standing Order, for more information, visit our business site.
Important Information
- Charges may apply. Please see our Schedule of International Transaction Charges brochure for more information.
- Foreign Exchange rates may apply. Any transactions involving a currency conversion are subject to variable exchange rates. Retail foreign exchange rates are available from any AIB branch for reference purposes.
- Exchange rate losses may occur where an outgoing International payment is refused by AIB or the receiving bank due to incorrect or incomplete payment information.
- Exchange rate losses may also apply in the case of cancellation or amendment to a payment transaction and unpaid items
- The most effective means of sending or receiving money cross border is generally by International Payment. Drafts and cheques (including international euro cheques) not drawn on a bank in the Republic of Ireland cannot be cleared through the Irish clearing system. Clearing rules and clearing cycles differ depending on the country/location of the bank on which the draft/cheque is drawn. Due to the absence of a central European or international clearing system for paper, there is no standard mechanism or time period for clearance of paper items i.e. drafts and cheques.
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I need to receive a payment from abroad, what are my options?
- The quickest and most convenient way to receive money from outside of Ireland is electronically by International Payment. You will need to provide your IBAN and BIC information to the sender of the payment. This information is available on your account statement.
- You can receive payment by certain foreign cheque*. AIB accept the following foreign currency cheques from the following countries and process them on either a negotiation or collection basis*.
GBP United Kingdom
USD United States of America
AUD Australia
CAD Canada- For regular payments from Europe, set up a SEPA Direct Debit or SEPA Standing Order. For more information, visit our business site.
Note:*Negotiation: AIB generally accept foreign currency cheques and international euro cheques for credit to your account on the business day of receipt and where applicable, the relevant currency exchange rate on that business day is applied.*Please note that some foreign banks have and will discontinue to offer some paper clearing services. Cheques and drafts may not be sent on collection. Please contact your local branch for the most up to date information on lodging foreign cheques.Collection: In certain circumstances, foreign currency cheque and international euro cheques may be sent for payment on a collection basis at the Bank's discretion. A foreign cheque collection is where a cheque is sent directly by mail/courier to the foreign bank on a special presentation basis requesting irrevocable/final payment. There is no standard payment cycle, and your account will only be credited when AIB is in receipt of final payment from the foreign bank. Where applicable, the exchange rate used is the prevailing exchange rate on the date of receipt of funds from the foreign bank, not the date the cheque is sent for collection.Important Information
- Charges may apply. Please see our Schedule of International Transaction Charges brochure for more information.
- Foreign Exchange rates may apply. Any transactions involving a currency conversion are subject to variable exchange rates. Retail foreign exchange rates are available from any AIB branch for reference purposes.
- Exchange rate losses may occur where an incoming international payment is returned to the sending bank by AIB due to incorrect or incomplete payment information.
- Exchange rate losses may also apply in the case of cancellation or amendment to a payment transaction and unpaid items.
- The most effective means of sending or receiving money cross border is generally by International Payment. Drafts and cheques (including international euro cheques) not drawn on a bank in the Republic of Ireland cannot be cleared through the Irish clearing system. Clearing rules and clearing cycles differ depending on the country/location of the bank on which the draft/cheque is drawn. Due to the absence of a central European or international clearing system for paper, there is no standard mechanism or time period for clearance of paper items i.e. drafts and cheques.
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AIB Travel Insurance
To ensure your holiday is a memorable one for all the right reasons, it’s worth getting travel insurance before you go. At AIB we have a wide variety of Travel Insurance policies to suit your needs, wherever your travels take you!We offer European and Worldwide single-trip and annual multi-trip cover as well as the following:Backpacker Travel InsuranceOver 65’s Travel InsuranceBusiness Travel InsuranceFollow the link below to get a quote in just a few minutes.
I Need To
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Use an ATM abroad
With the AIB Debit Card, you can travel even lighter, knowing that you can access your cash from ATM’s worldwide. For more information refer to: Schedule of International Transaction Charges.You can use your card for cash withdrawals from ATM’s worldwide (up to a daily limit of €600) where the Visa symbol is displayed.Please note: Some ATMs abroad particularly in non-European locations, the daily cash withdrawal limit may be reduced to €250 or less. Local ATM limits may also apply.
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Buy Foreign Currency
Please note that FX Services in branches are ONLY available to AIB account holders.
AIB buy and sell foreign currency notes for the following countries:AustraliaSouth AfricaCanadaSwedenSwitzerland Czech Republic Thailand Hungary United Arab Emirates New Zealand United KingdomPoland United States of America - You must complete a Foreign Currency Note Order Form when ordering currencies (other than Sterling and US Dollars). This form is available in a print version from any AIB Branch or alternatively you can download the form from the link in the 'Downloads' section on this page.
- Orders must be placed and paid for in advance.
- Please allow up to 10 working days for delivery of your foreign currency order.
- Currencies are sold in multiples of foreign note values dependent upon the currency denominations. See the list of Foreign Currencies and Multiple Values section by clicking on the link below.
- When you place your order in the branch, you will be given the full detail of the transaction i.e. exchange rate, commission, currency amount and euro total and advised when the order will be available for collection. If you post the completed order form to the branch, this information will be posted to you.
- You can collect the order yourself or nominate a third party to collect your order on your behalf.
Foreign Currencies and multiple values
Learn more about Foreign Currencies and multiple valuesLearn more about Terms and Conditions for Foreign Currency Note OrdersImportant Information
- Charges may apply. Please see our Schedule of International Transaction Charges brochure for more information.
- Foreign Exchange rates may apply. Any transactions involving a currency conversion are subject to variable exchange rates. Retail foreign exchange rates are available from any AIB branch for reference purposes.
- Exchange rate losses may apply in the case of cancellation or amendment to a transaction or unpaid items.
- The most effective means of sending or receiving money cross border is generally by International Payment. Drafts and cheques (including international euro cheques) not drawn on a bank in the Republic of Ireland cannot be cleared through the Irish clearing system. Clearing rules and clearing cycles differ depending on the country/location of the bank on which the draft/cheque is drawn. Due to the absence of a central European or international clearing system for paper, there is no standard mechanism or time period for clearance of paper items i.e. drafts and cheques.
Help and Guidance
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Contact Details for lost or stolen Debit/Credit Cards
Telephone no: 1800 242227 (or +353 1 269 5022 if calling from outside the Republic of Ireland) Please save this number into your phone.Alternatively, you can log in to AIB Internet Banking and use the ‘Report a Card Lost or Stolen’ feature by selecting ‘Manage My Accounts’ and then select ‘My Cards’.
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Top Travel Tips from AIB when using your AIB Debit or Credit Card abroad
- Memorise your PIN for your AIB Debit Card and AIB Credit Card. Do not write it down or stick it in your wallet or purse!
- Remember to bring your AIB Card Reader with you, in case you need to transfer funds while away.
- Just bring enough local currency for your immediate spending needs.
- Make sure the expiry dates on your AIB Cards are valid for the duration of your holiday. You might want to double-check the expiry date on your passport also!
- When using AIB Internet Banking on a PC, never leave your PC unattended and always make sure you log-out of the service when you’re finished.
- Don’t keep your cards, money and passport in one place in case you lose them or they are stolen.
- Always shield your PIN when using an ATM or Point of Sale Terminal.
- When paying for goods and services keep your card in view at all times.
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AIB Internet Banking
While abroad, AIB Internet Banking offers you quick and easy access to a range of banking services and products. Access your account at a time that suits you, check your balance, pay your bills, transfer money and much more.You can access Internet Banking through logging onto aib.ie or alternatively using the AIB Mobile Banking App or AIB Tablet Banking App which can be downloaded for free from the Apple App Store or Google Play Store. More information on ways to bank.Remember, certain transactions require Card Reader authentication. Ensure to bring your AIB Card Reader with you.If you need assistance, contact our Customer Service team on 0818 724 724 (or +353 1771 24 24 when calling from abroad).To find details of specific current security threats to our Internet and Mobile Banking customers and alerts that you should be aware of visit our Security Centre.
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Single Euro Payments Area (SEPA) Direct Debit
A SEPA Direct Debit (SDD) is the standard across Europe for the collection of funds between a debtor (payer) and the creditor (payee). The SDD scheme allows you to collect direct debit payments across all 33 SEPA Countries. For more information, visit our business home page.
For all service related queries, please visit our Help Centre.
Other Information
Allied Irish Banks, p.l.c. is an agent of AIB Insurance Services Limited in relation to provision of general insurance products. AIB Travel Insurance is exclusively underwritten by ACE European Group Limited. AIB Insurance Services Limited is regulated by the Central Bank of Ireland.
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