Helping our customers through difficult times.

At different life stages your family budget can come under strain. The most important step is to acknowledge your new financial situation, and seek advice as quickly as possible.

Key information

Step by Step Process to Managing your Borrowings

Step 1 - Review your Finances

Setting out your monthly income and outgoings is the first step towards improving your financial situation. You can download our Monthly Income & Expenditure Planner to help you get a clear picture of where your money is going and any changes you need to make.

Step 2 – Take Action

Once you have a clear and realistic picture of your financial situation, you may be able to take action to make immediate improvements.


Manage your spending

  • Keep a ‘spend diary’ for the month. You may be surprised at how some small regular items can add up to a substantial monthly amount. If they’re optional, you could save that amount by cutting back here.

  • Maximise your income

  • Check that you are getting all the tax credits and reliefs to which you are entitled (e.g. Tax Relief at Source, medical and dental expenses)

  • Explore other ways of bringing in additional income, for example renting out a room or taking on a part-time job.


Step 3 - Get in touch

The sooner you talk to us the easier it will be for us to find a solution to your financial difficulty. Simply get in touch with us and we will arrange for an experienced adviser to talk to you in confidence, at a time that suits you.

For more information please pick up the Managing your Personal Borrowings Guide from your AIB branch or download it below.

What we can do to help:

There are various ways we can work with you to try find a solution to your financial difficulty and help you manage your debts with AIB. If you have loans with other banks or financial institutions you will need to speak to them directly. Every person's case is different but to give you an idea of potential solutions, here are a number of options we can explore:

  • Consolidating your AIB personal debts into one loan (personal loan, credit card debt, overdraft can all be combined)

  • Extending the term of your existing AIB loan(s) to help your cash-flow

  • Moving to interest-only payments for a period to help you get back on your feet

  • Repayment Break (usually 3-6 months) - deferring payments until your situation improves

However, flexible repayment options may appear cheaper in the short-term but could be more expensive over the life of the loan and are subject to approval. Do remember that the sooner you speak to us about your financial difficulty, the easier it will be for us to work with you on a satisfactory resolution.

Warning: This new loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term.

Talk to Us

  • 1890 252008 in relation to your Mortgage

  • 01 6685500 about your Credit Card

  • 01 7715695 regarding your Finance & Leasing Loan

If you wish to discuss your personal loan or overdraft, contact your local Branch or Relationship Manager. Please view the link for Branch Locator on the right of the page for contact details.

Fees and Charges

Below is a guideline to our fees and charges which you may be charged if your account falls into arrears. By contacting us early you may be able to avoid some of these fees and charges.

Credit Card Overlimit Fee - This charge applies the first time your balance exceeds your credit limit in each statement period €7.00
Late Payment Fee - This charge applies should payment not be credited to your account by the payment due date as specified on your statement
Returned Payment Fee - This charge applies should any payment either by cheque or direct debit be returned unpaid €7.00


Unpaid Item Charges This charge applies when cheques, direct debits or standing orders are presented for payment on your account and are returned unpaid €10 per item
Referral Item Charges These charges apply when cheques, withdrawals, direct debits and standing orders are presented for payment on your account and, when paid, place the account in an unauthorised overdraft position €5.15 per item, up to a maximum of five items per day
Surcharge Interest This is an interest that is charged on unauthorised borrowings. It is charged if your account is overdrawn without our agreeing to give you an overdraft facility or if you exceed an authorised limit. Loans and Overdrafts: 12% (variable) per annum
Mortgages: 6%(variable) per annum
Finance & Leasing loans: up to 15% per annum

Help and Guidance


Family Finance Budgeting Tool
Try out our easy-to-use online household budgeting tool.

Personal Lending Interest Rates
View our current rates charged on lendings.

Help Centre
For all service related queries please visit our Help Centre.

If you find yourself in financial difficulty, you may find it useful to get independent money advice from agencies such as:

Other Information

Lending criteria, 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.  

Allied Irish Banks p.l.c. is regulated by the Central Bank of Ireland.