A Personal Overdraft gives you a credit facility on your current account for temporary or occasional use. This gives you access to money when you really need it.
Customers with a Personal Bank Account Plus or Current Account can apply for a Personal Overdraft up to an agreed amount.
Easy access to funds: You can access the overdraft when you use your AIB Debit Card, when withdrawing cash from an ATM, or when you write a cheque or pay a bill. You can also access your overdraft through AIB Internet Banking.
Automatic renewal: If you operate your account within the agreed terms, then your overdraft can be automatically renewed when the term of the overdraft expires.
An overdraft facility fee of €25.39 per annum or per overdraft sanction, whichever is the more frequent, will be applied. Interest is charged at the Bank's Standard Variable 'A' Overdraft Reference Rate. The variable interest rate is calculated on the daily debit balance and charged quarterly in March, June, September and December.
Please read A Guide to Fees and Charges for Personal Accounts for full information on fees and charges.
If you have a sole Personal Bank Account or an AIB Advantage Account and are registered for AIB Phone & Internet Banking, you can apply for your overdraft online through AIB Internet Banking or through the AIB Mobile App and get a decision on your application within 3 business hours*.
You can apply for an overdraft for an amount up to that of your monthly income with a range between €500 to €10,000. For amounts over €10,000 please contact your local branch or call us on 1890 724 724.
If you are a Student Plus Account or Graduate Account holder and wish to avail of a Reduced Rate Overdraft, please apply through your local branch. Alternatively you can call the AIB Student & Graduate Centre on 1890 788 336, lines open 8am to 9pm Monday - Friday and Saturday 9am to 6pm.
An overdraft facility fee of €25.39 per annum or per overdraft sanction, whichever is the more frequent, will be applied. Interest is charged at the Bank’s Standard Variable ‘A’ Overdraft Reference Rate. The variable interest rate is calculated on the daily debit balance and charged quarterly in March, June, September and December.
*Although we aim to provide a decision within 3 business hours, this period may be extended for technical or other legitimate reasons. You can apply online through AIB Internet Banking, the AIB Mobile App. You can also book a branch appointment or phone AIB Direct Banking 1890 724 724 if you would like to speak to someone in person. Lines are open Monday to Friday 8am to 9pm and Saturday 9am to 6pm (closed on Saturday of Bank Holiday weekends).
Under normal circumstances, you can apply for an overdraft for an amount up to that of your monthly income. Depending on your circumstances, the overdraft could be arranged for a greater amount.
Simply call 1890 724 724 (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 about applying for an overdraft with AIB.
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