We have made important changes to our terms and conditions.
The changes were because of:
The changes were because of:
-
Single Euro Payment Area (SEPA) Instant Credit Transfers Regulation 2024
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 CardsCorporate, Business and Purchasing Cards -
Consumers Rights Act (CRA) 2022
Terms and conditions for the following 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 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 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 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 Single Euro Payments Area (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.
View our current terms and conditions, which are now effective.
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.
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 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
Current & Deposit Accounts
- Updated terms and conditions
Credit & Debit Cards including Digital Wallets
- Updated terms and conditions