A current account that helps make managing your money easy and convenient.

Our Personal Bank Account provides you with easy access to your money, helps you manage your bills on the go and is available to any person who is aged 16 years and over.

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Personal Bank Account

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    Features and Benefits

    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 and fee advices by post or sign up for a free, convenient and secure method of receiving your eStatements and eFee Advices online.

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


    No Fees

    Owning a home can be expensive, one where every cent counts, so we hope banking free of maintenance and transaction fees will help.

    If you have an AIB private dwelling house (PDH) mortgage for your home, we’ll waive the maintenance and transaction fees on the current account you use to pay your mortgage. It doesn’t matter if you’re a new or existing mortgage customer. All you need to do is set up your direct debit to pay your mortgage from an AIB Personal Bank Account.

    For more information please refer to the ‘No Fees’ – Mortgage Benefit page


    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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    Ways to Open

    On your Smartphone

    All we need to see is proof that you:


    • Live in the Republic of Ireland
    • Have an EEA Passport
    • Are over 18 years of age.



    Click here to read more details about opening a current account on your mobile.

    In your local branch

    Book an appointment in your local branch

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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 8am – 9pm and Saturday 9am – 6pm), 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

Frequently Asked Questions

View our Personal Current Account Frequently Asked Questions

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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    Personal Identification Requirements

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    How to minimise your bank fees and charges

    You can reduce the level of your fees by using automated/self service transactions where possible:

    • Use your AIB Debit card when you are making purchases in Euro. It’s more economical than writing cheques or making paper cash withdrawals.

    • When you use your AIB Debit card and request cashback as part of the same transaction, you pay for only one transaction rather than two. (The cashback facility is at the discretion of the retailer.)

    • Use AIB Phone & Internet Banking to pay bills, transfer funds from one account to another or check the balance and transactions on your account. This is less expensive than cheques or paper withdrawals and more convenient.

    • Alternatively you can now pay a wide range of bills by direct debit, for example utilities, insurance, mortgages, and subscriptions. This will save you money and ensure that your bills are always paid on time.

    • Use your AIB Debit card for Euro cash withdrawals. This is cheaper than cheques or paper withdrawals and more convenient (please note some ATM providers may charge an additional fee for this service).

    • Use an AIB Credit card to pay for goods and services in over 40,000 outlets in Ireland. When you receive your credit card statement, you can clear your account using AIB Phone & Internet Banking or by direct debit.

    • Standing Orders can be set-up, amended and cancelled free of charge via AIB Phone & Internet Banking.

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