Student Travel and Finance

This account is available to any person enrolling or currently enrolled in any full time third level educational course. Courses must have a minimum duration of one academic year. The AIB Student Plus Account brings lots of extra benefits such as:

• No account maintenance or transaction fees
  - Banking Free of Maintenance and Transaction Fees does not extend to Bank Service Charges. Full details of our fees and charges are published in our booklet 'A Guide to Fees and Charges for Personal Accounts'. This booklet is available from any AIB branch.

• A Debit Card which can be used at home and abroad
  - Terms and conditions apply. Debit Cards are liable to an annual Government Stamp Duty charge which is applied in January of each year. For more Information please click on AIB Debit Card.

• Commission-free purchase and sale of foreign currency notes
  * To avail of this additional benefit, you must advise staff at the time of each transaction that you are an AIB Student Plus Account holder. These additional financial benefits are only available on face to face transactions undertaken at the branch and are not available on any transactions undertaken at an ATM, AIB Self Service banking or through any other electronic means.

• First and second year students can apply for an overdraft of up to €1,000 interest free, and third and fourth year students can apply for an overdraft of up to €1,500 interest free
  - Authorised overdraft facilities above €1,500 will be charged at the Bank's Standard Variable 'A' rate for Personal Overdrafts. The Standard Overdraft Facility Fee will also be waived for the period that you hold an AIB Student Plus Account. Credit Facilities over €600 may require a parent/guardian guarantee. 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. Security may be required.

Click here for more information on the AIB Student Plus Account features and benefits.

• Don't forget to bring some cash for immediate expenses e.g. taxis, public transport, tips, food. Make sure to order your foreign currency notes at least 10 days in advance from your local AIB branch.
   

• Bring a range of payment methods (credit card, debit card and cash) and don't keep them all in one place! Order and pack your AIB Card Reader in case you need to make new international transfers or set up standing orders while you're away.
   

• Check the expiry dates on your cards and your passport!
   

• Always shield your PIN when you are using an ATM or Point of Sale terminal.
   

• When paying for goods and services keep your card in view.
   

• Make sure that you have some travel insurance in place. If your trip is interrupted or your luggage is lost, you'll be glad you bought it.
   

• Make a copy of your Travel Itinerary; leave a copy with a family member or someone who you will be in constant contact with.
   

• Check if you need a visa for the country you are visiting.
   

• Make sure you have access to sufficient money to cover expenses and access to emergency funds.
   

• If you are a registered AIB Phone & Internet Banking customer, you should download the AIB Mobile Banking app to your smartphone before you go - as well as allowing you to transfer funds and check your balance, it has a Foreign Exchange Calculator and any AIB phone numbers you may need while you're away. Data charges may apply. Click here for more information.