Changes to AIB’s Terms and Conditions

SEPA Instant Payments

SEPA Instant Payments let you make credit transfers in seconds. These payments are processed 24 hours a day, 7 days a week.

More about SEPA instant payments

The changes were because of:

Terms and conditions for the following payment Accounts have changed:

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 Cards

Corporate, Business and Purchasing Cards
The European Accessibility Act (EAA) came into effect on 28 June 2025.

We’ve introduced this statement below into our terms and conditions for Current, Demand Deposit, Masterplan Accounts, Kiosk Banking, Phone and Internet Banking and all Personal Credit Cards:
- AIB is committed to ensuring that our products and services are accessible and available to as many people as possible. We aim to continuously improve our standards of accessibility, and our products, services and processes will evolve as we adapt to meet our customers’ needs. We are committed to designing accessibility into everything we do for our customers, and we welcome your feedback. You can find out more in our Accessibility Statement or in our branches.
Terms and conditions for the following Accounts and services have changed:

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 Cards

Corporate, Business and Purchasing Cards

Phone and Internet Banking

Kiosk Banking

Internet Business Banking (iBB)

Accounts and Services Terms & Conditions

Current & Deposit Accounts

Credit Cards

Phone & Internet Banking

Kiosk Banking

Internet Business Banking (iBB)

Summary of Changes of our Terms and Conditions

Summary of Changes (PDF, 12 pages, 259KB)

Questions & Answers

SEPA Instant Payments

Verification of Payee

Current & Deposit Accounts

Credit Cards

- Personal Credit Card (PDF, 11 pages, 264KB)
- Corporate, Business and Purchasing Cards (PDF, 9 pages, 816KB)

Kiosk Banking

- Kiosk Banking (PDF, 6 pages, 230KB)

Phone & Internet Banking

- Phone and Internet Banking (PDF, 8 pages, 306KB)

Internet Business Banking (iBB)

- Internet Business Banking (PDF, 10 pages, 674KB)