We are making important changes to our terms and conditions.
The changes are because of:
The changes are because of:
-
Single Euro Payment Area (SEPA) Instant Credit Transfers Regulation 2024
Terms and conditions for the following payment Accounts are changing:All Current, Demand Deposit and Masterplan Accounts including:
- Student, Student Plus and Graduate Accounts
- Advantage Account
- Personal Bank Account
- Basic Bank Account
- Junior/Student Saver Account
- Youth Savings Account
- Personal Demand Deposit Account
- Demand Deposit Account
- Online Saver Account
- Business Current Accounts (including Business Start Up Account and Young Farmer Account)
- Masterplan Account
All Personal Credit CardsCorporate, Business and Purchasing Cards -
Consumers Rights Act (CRA) 2022
Terms and conditions for the following Accounts are changing:All Current, Demand Deposit and Masterplan Accounts including:
- Student, Student Plus and Graduate Accounts
- Advantage Account
- Personal Bank Account
- Basic Bank Account
- Junior/Student Saver Account
- Youth Savings Account
- Personal Demand Deposit Account
- Demand Deposit Account
- Online Saver Account
- Business Current Accounts (including Business Start Up Account and Young Farmer Account)
- Masterplan Account
All Personal Credit CardsAll Debit CardsDigital WalletPhone and Internet BankingKiosk BankingCurrency Current AccountsCurrency Call Deposit AccountsCurrency Fixed term Deposit AccountsTreasury Deposit Accounts (ROI and UK)Personal Fixed Term Deposit AccountLodgement Cards
Private Banking Accounts
Direct Deposit Accounts
Sterling Current Accounts -
Operational changes and clarifications
Terms and conditions for the following Accounts and services are changing:All Current, Demand Deposit and Masterplan Accounts including:
- Student, Student Plus and Graduate Accounts
- Advantage Account
- Personal Bank Account
- Basic Bank Account
- Junior/Student Saver Account
- Youth Savings Account
- Personal Demand Deposit Account
- Demand Deposit Account
- Online Saver Account
- Business Current Accounts (including Business Start Up Account and Young Farmer Account)
- Masterplan Account
All Personal Credit CardsAll Debit CardsCorporate, Business and Purchasing CardsLodgement CardsPhone and Internet BankingKiosk BankingCurrency Current AccountsCurrency Call Deposit AccountsCurrency Fixed term Deposit AccountsPersonal Fixed Term Deposit Account
We have also updated our Schedule of International Transaction Charges to provide for incoming SEPA Instant Credit Transfers. SEPA Instant Credit Transfers have not resulted in the introduction of any new, or changes to existing customer fees or charges.
To view our current terms and conditions and our updated terms and conditions, which are effective on the 9 January 2025, please click here.
To accept these changes, you do not need to do anything, and you can continue to use your accounts and services. We appreciate your business, but if you do not want to accept the changes, you have the option, free of charge, to close your Account, clearing anything you owe on it first, or let us know that you are ending your agreement with us. You can do so by writing to or visiting your local AIB Branch. If we do not hear from you before 9 January 2025, these changes will apply to your accounts and/or services.
Please take some time to read the information. You can save any of the terms and conditions and the summary of changes to keep for future reference, by downloading the PDF file.
If you have a question, please refer to our customer questions and answers by clicking here or call us on 0818 664 015 (Monday-Friday 09:00-17:00, excluding bank holidays).
Thank you for choosing to bank with us.
Accounts and Services Terms & Conditions
Summary of Changes
Click here to view the summary of changes.
Current & Deposit Accounts
- Existing terms and conditions
- Updated terms and conditions effective from the 9th of January 2025
Credit & Debit Cards including Digital Wallets
- Existing terms and conditions
- Updated terms and conditions effective from the 9th of January 2025
Kiosk Banking
- Existing terms and conditions
- Updated terms and conditions effective from the 9th of January 2025
Phone & Internet Banking
- Existing terms and conditions
- Updated terms and conditions effective from the 9th of January 2025
Lodgement Card
- Existing terms and conditions
- Updated terms and conditions effective from the 9th of January 2025