AIB Personal Current Account
You can manage your everyday banking easily, anywhere and anytime with the AIB Mobile app.
AIB Personal Current Account
The AIB Personal Current Account offers the freedom and flexibility to manage all your everyday banking needs, easily and securely, using our AIB Mobile app.
With an AIB Current Account you have access to the AIB Mobile app. Features & benefits of the AIB app:
The AIB Mobile app makes everyday banking easier. Use it to:
Transfer up to €1,000 directly each day if your contact is an AIB customer and you have their phone number.
Make a one-off payment of up to €1,000 to another Irish bank account*.
View, change and cancel standing orders.
Check or cancel direct debits easily.
View, print, save and share up to seven years of statements.
Making purchases and withdrawing money from your AIB Personal Current Account in Ireland and worldwide is simple with the AIB Debit Card. Use it in shops, at ATMs, online and wherever Visa Debit is accepted.
Safeguarding your banking
Tap your transactions to see more information about each transaction, such as its time, date and type.
Lost your card? Prevent unauthorised access to your money by freezing your card easily. You can also unfreeze it if it’s then found.
Need a replacement card? Use the app to cancel your old one and have a new card posted to you.
Login securely if your smartphone offers Fingerprint Authentication for Android and FaceID or TouchID for Apple.
You can also use the AIB mobile app to:
Open a Savings Account.
No need to visit a branch. You can open a savings account using the AIB Mobile app.
Statement of fees.
You can see your statement of fees in the app. Find out how to minimise your fees here.
*Transaction limits apply, learn more here. Transaction fees and charges may apply. AIB Mobile Banking is available 20 hours a day, subject to our Terms and Conditions.
Open an account in minutes using the AIB mobile app
Opening a sole AIB Current Account using the AIB Mobile app is simple if you:
Are aged 16 and over Live in the Republic of Ireland.
Not eligible to open a current account using the AIB Mobile app? Here are other ways to open one:
Existing Customers with Internet Banking
If you are already a customer, we have all the details we need and we can open an account for you more easily at the branch or via the "Apply & Open" tab on your AIB Internet Banking.
Open an account at your AIB local branch
Staff at your local AIB branch will be very happy to help you open an AIB Current Account. You can book an appointment to do so here.
When you attend your appointment, you’ll need to bring:
One proof of ID. One proof of address.
AIB Personal Current 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. The AIB Debit Card available with the AIB Basic Bank Account does not have contactless functionality.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 & Internet Banking, if you are registered for Phone & 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 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 (subject to relevant Fees & Charges – refer to the AIB Fees & Charges and Schedule of International Transaction Charges booklets).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.Benefits for you as an AIB Basic Bank Account holder:
All AIB Basic Bank Account holders are eligible for the following benefits for not less than the first 12 months:
- No maintenance fees
- No transaction fees
Note: Other charges are still applicable (including certain service charges and international transaction charges).
We will convert your AIB Basic Bank Account to another account to which additional fees and charges will apply where:- 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).
Terms and conditions apply.
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
Top up any Meteor, Vodafone, eMobile, Three and Tesco mobile on the move. Find out more about Mobile Top Ups. -
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.
Important documents
Information leaflet
Application forms
Terms and conditions
Fees and charges
Need more support?
Please visit our help centre for commonly asked questions on our servies and accounts management.
If you need extra help for any reason, click here.
If you're a business customer and want to open a business account, click here.
Can't find what you're looking for?
Please talk to one of our staff by contacting any of our branches or our customer service helpline 0818 300 245 (+ 353 1 771 2424 from outside Ireland), lines are open Monday to Friday 9am – 5pm), if you do not possess the documentation outlined above. We’ll be happy to answer any questions you may have and find the right kind of current account for you.
Related products
Regulatory Information
Do you want to switch your Personal Current Account from AIB to another bank?
If so, you must get a Switching Pack from the bank that you wish to transfer your account into and follow the steps that are outlined. This process is in line with the Central Bank of Ireland's Switching Code. Please contact your branch if you need more information.
Before proceeding please read our Site Use Terms and Conditions, Privacy & Cookie statements which apply to your use of this website. AIB and AIB Group are registered business names of Allied Irish Banks, p.l.c. Registered Office: 10 Molesworth Street, Dublin 2.
Tel: +353 (0)1 6600311 Registered in Ireland: Registered No. 24173 Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland. Copyright Allied Irish Banks, p.l.c. 1995