Easy access to your money.

Manage your bills on the go.

Never miss a payment.

International transfers.

Stay in Control.

Benefits for you as an AIB Basic Bank Account holder:

• No maintenance fees
• No transaction fees

• on any annual anniversary of the date of opening of your AIB Basic Bank Account the total annual value of lodgements to your AIB Basic Bank Account in the previous year exceeds the national minimum wage threshold; or
• your AIB Basic Bank Account has been open for 5 years or more (regardless of the total annual value of lodgements to your AIB Basic Bank Account).

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

• Subject to terms & conditions, customers legally resident in the EU aged 16 or over who do not hold a personal payment account with any bank in Ireland or who have received notice that their Personal Payment Account (or all of them if they have more than one) will be closed are eligible for the benefits specified above.
For further information on our fees and charges, refer to our the AIB Fees & Charges and Schedule of International Transaction Charges booklets 

Additional Services

• 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.

You can open a AIB Advantage Account, where you don't have to pay maintenance and transaction fees.

You can visit any of our branches to open a new AIB Advantage Account once you are aged 66 or over.

If you already have a Personal Current Account with us, you can change to an AIB Advantage Account by visiting or writing to any branch to tell us you want to move your Personal Current Account to an AIB Advantage Account.

Once a year we will also write to Personal Current Account holders who are aged 66 or over and eligible to move to an AIB Advantage Account. This will be done within a year of turning 66. We will then automatically move these accounts two months after the date we write to the account holder(s).

If you have a joint account, everyone on the account must be aged 66 or over to qualify for an AIB Advantage Account.