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.

--------------------Start of Accordion Container---------------------------

Click on edit button to enter Accordion Header

Personal Bank Account

  • --------------------Start of Accordion---------------------------

    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.


    A Way to Bank Free of Maintenance and Transaction Fees

    What’s more, if you maintain a minimum daily credit statement balance of €2,500 in your account for each fee quarter, you can qualify for maintenance and transaction free banking.

    Find out more about ‘A Way to Bank Free of Maintenance and Transaction Fees'. This offer is available until further notice. Certain other charges may still apply, see a Guide to Fees and Charges for Personal Accounts for further information on this.


    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.


    * Top Up by Text is not available to Three mobile customers.

    --------------------End of Accordion---------------------------

-------------------End of Accordion Container---------------------------

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.

--------------------Start of Accordion Container---------------------------

Click on edit button to enter Accordion Header

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.

  • --------------------Start of Accordion---------------------------

    Find out how to open a new AIB Personal Current Account.

    You will need to provide us with the following documentation:


    Proof of Identification Requirements

    In order to comply with legislation to combat money laundering and terrorist financing, we’ll need to verify both your identity and your current permanent address when you are opening a Personal Bank Account. You will need to provide the original of one Photo ID and one Proof of Address and if you’re not currently resident in Ireland, you will need to provide two proof of address documents.


    In order to comply with our obligations under legislation, we may, at our discretion at any time seek further information and documentation from you to verify your identity.


    Suitable Proof of Photographic Identification:

    • Current Valid signed Passport

    • Passport Card

    • Current Valid Driving Licence - must contain photograph (Irish Provisional accepted),

    • Current EU National Identity Card


    Please note the photo and expiry date must be clearly visible.


    Suitable Proof of Address:

    Documents must be issued to you at your home address within the past 6 months

    For example:

    • Utility Bill e.g. telephone, mobile, gas, electricity, heating, oil, waste collection (where a utility bill is a first bill, a second form of address verification is required)

    • Correspondence from a Regulated Financial Institution operating in the Republic of Ireland (Insurance / Assurance Co., Bank, Building Society, Credit Union, Credit Card Company)

    • Correspondence from a Government Department / Body

    • Additional documents can be accepted for 3rd Level Students - Refer to your local Student Officer



    If you are not currently resident in Ireland, you will need to provide two proof of address documents.

    The name on your photographic identification (e.g. name on your passport) must exactly match the name on your proof of address (e.g. full name on your gas bill).

    If you are opening an account for a child as a Parent / Guardian you will need to provide a copy of the child’s Birth Certificate or the applicable Court Order (or other relevant documentary evidence) in order to prove Parenthood / Guardianship. In addition, you will need to provide your own suitable Proof of Identity and Proof of Address, as detailed above.

    Please talk to one of your staff by contacting any of our branches or our Customer Service Helpline (1890 724 724 (+353 1 7712424 from outside Ireland), lines are open Monday to Friday 8am – 9pm and Saturday 9am- 6pm – except for Bank Holiday weekends ), if you do not possess the documentation outlined above.

    Photocopies of documents are not acceptable.


    Personal Identification Requirements


    One of our Customer Service Officials will be happy to take you through the next steps for opening your new Personal Current Account with AIB.

    --------------------End of Accordion---------------------------

  • --------------------Start of Accordion---------------------------

    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.

    --------------------End of Accordion---------------------------

-------------------End of Accordion Container---------------------------

Related Products