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

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.

1890 252008 in relation to your Mortgage

0818 251 008 in relation to your Mortgage

01 6685500 about your Credit Card

01 6685500 about your Credit Card

01 7715695 regarding your Finance & Leasing Loan

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

This 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
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 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.

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