AIB Current Accounts

Learn about what current accounts are provided by AIB and how you can avoid maintenance and transaction fees.

A current account is a must for anyone receiving income or a benefit so you can easily access your money when you need it. With different banks offering various fee structures and features, it’s important to compare your options to find the right account for your financial needs. Read on to learn more about AIB current accounts, features, fees and how to make the switch.

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4 €

Maintenance fee

0.20 €

ATM fee

Compare AIB current accounts in Ireland

Name Product Maintenance fee Fee period ATM transaction fee
AIB Personal Current Account
4 €
Monthly
€0.20 per withdrawal
A current account that's available for anyone 16 years and over and gives you easy access to your money. Plus, there are two ways to have account fees waived.
AIB Student Plus Account
0 €
Monthly
€0
A handy student account designed to make it easy for you to manage your banking in college. There are no quarterly maintenance and transaction fees to worry about.
AIB Graduate Account
0 €
Monthly
€0
A convenient graduate account which may let you qualify for a €1,000 interest free overdraft. No maintenance and transaction fees apply.
AIB Student Account for 2nd Level Students
0 €
Monthly
€0
A current account for students aged between 12 and 18 years, who are in part time or full-time second level education. If you apply for a debit card, AIB will cover the annual Government Stamp Duty.
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As one of Ireland’s four largest banks, AIB offers the whole caboodle of personal and business banking, as well as insurance, mortgages and other services. Here’s our guide to the various AIB current accounts, and how to pick the best one for you.

What is AIB?

With 200 outlets and over 2,000 ATMs in Ireland, plus phone banking, Internet banking and mobile/tablet apps, AIB gives you flexibility and easy access when it comes to managing your money.

As well as day-to-day banking services, this bank provides savings options with competitive rates, personal loans and mortgages, insurance products and has financial advisors in every branch to guide you through planning for your future.

What current accounts does AIB offer?

Key features of AIB current accounts

  • AIB debit card. AIB current accounts come with a Visa debit card that you can use at home or abroad for in-store or online purchases.
  • Overdraft. Add an overdraft to your current account for times when you have unexpected bills and need a little extra cash to see you through until payday. This is available for all accounts except the AIB Student (2nd level) for 12-to-18-year-olds.
  • International transfers. Send all major currencies from your account to most worldwide destinations.
  • Joint account. Manage your household expenses more effectively by opening a joint account with your partner or housemate.
  • Different ways to bank. AIB provides services in branch, online or by phone. You can also download the mobile banking app to access your account wherever you are.
  • Statements. Get statements by post or online through internet banking.
  • Mobile top-ups. Easily top up your Vodafone, Tesco Mobile, Three, eir Mobile or Meteor prepaid phone at any time.
  • Open on your phone. No need to visit a branch to open a new account. Simply download the AIB mobile banking app and follow the instructions.

Fees and limits

While some banks offer zero transaction fees or free maintenance on their current accounts, AIB does charge for both.
  • Maintenance fee each quarter: €4.50
  • Contactless payments: Free
  • ATM withdrawals and cash or cheque lodgement via machines: €0.35
  • Automated payments: €0.20 (direct debits, standing orders, payments and transfers through internet and phone banking)
  • Paper or staff-assisted transactions: €0.39 (cash and cheque withdrawals, cash and cheque lodgements, bank draft lodgements and withdrawals)
  • Government stamp duty is charged at a rate of €0.12 for each ATM transaction in Ireland. If you only use your card for ATM transactions then your fees are capped at €2.50, but if you use your card for both ATM transactions and purchases your cap is €5.

How to sign up with AIB

AIB’s current accounts give you flexibility and easy access to manage your money, but keep an eye out to check if you’ll be charged any fees when making transactions. And before you make a final decision be sure to use our table above to compare other current accounts available in Ireland.

Verdict

Opening an account for the first time should be straightforward and you’ll be able to manage your money in no time.

You’ll be able to pop into an AIB branch, apply online or follow the steps below to open a personal current account using your smartphone.

Step 1. Download the AIB mobile banking app onto your smartphone.
Step 2. Enter your personal details in order to register for an account.
Step 3. Next, you’ll need to verify your identity over the phone by having a video chat with an AIB representative.
Step 4. After receiving an address verification code, enter this code into the app.
Step 5. Your account should be active and you can start managing your money!

Do note that some of AIB current accounts such as the AIB Advantage account need to be opened in a branch, so check for the specific requirements on the AIB website.

Compare a range of current bank accounts in Ireland

Name Product Maintenance fee Fee period ATM transaction fee
VIALET Current Account
0 €
Monthly
€2 + 2% per withdrawal
An IBAN account you can use to manage your money and spend in over 200 countries worldwide, fee-free.
N26 Bank Account
0 €
Monthly
€2 per withdrawal
Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
Wirex Standard
0 €
Monthly
2% per withdrawal

Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

Benefit from an array of digital payment features, including a free prepaid Wirex card and unlimited fee-free transfers at interbank rates - with zero monthly subscription fee.
Wise Multicurrency Account
0 €
Monthly
€0.50 + 1.75% per withdrawal
Wise (formerly TransferWise) is an international account with over 50 currencies, instant and very convenient money transfers, a card to spend in any currency, bank details to be paid in 30 different countries and multi-currency direct debits.
Revolut Standard
0 €
Monthly
€1 + 2% per withdrawal
Enjoy no monthly fee, no currency conversion fees up to €1,000 per month and hold an array of currencies in your account.
AIB Student Account for 2nd Level Students
0 €
Monthly
€0
A current account for students aged between 12 and 18 years, who are in part time or full-time second level education. If you apply for a debit card, AIB will cover the annual Government Stamp Duty.
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