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Frequently Asked Questions

Standing Orders

AIB Internet Banking now offers you the ability to set up, amend and cancel standing orders online. Whether it is a standing order for saving or paying your monthly rent, you can now update them from the comforts of your own home.

The 'standing order' option is located under 'transfer money' within AIB Internet Banking.

Questions

Answers

What is a standing order?

A standing order is an instruction given to your bank to debit your account and credit your chosen account for a fixed amount on a set frequency (weekly, monthly etc.).

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What are the fees associated with standing orders?

Standing order set-up, amend and cancel functions on AIB Internet Banking are available Free of Charge. Please note that the standard automated/self service account transaction fee applies. Please see our booklet 'A Guide to Fees and Charges for Personal Current Accounts'.

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What is displayed when I click the standing order tab in the Funds Transfer menu?

  • If you have active standing orders on your AIB Internet Banking profile you will see a list of these standing orders.
  • You can view details of all standing orders on a particular account by clicking the account dropdown list.
  • You can set-up a new standing order by clicking the 'new standing order' button.

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What does each status of a standing order mean?

  • "Active" status indicates the standing order is active/valid for the account and will be debited on the next defined payment date.
  • "Cancelled" status indicates the standing order has been cancelled by the customer, or at the customer's request.
  • "Expired" status indicates the standing order has matured or reached the final payment date.

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How do I set up a standing order using AIB Internet Banking?

  1. Select 'standing order' under 'transfer money' on the left-hand side menu.
  2. Click the "new standing order" button and the set-up screen will be displayed.
  3. Upon completing all the mandatory fields (marked by an *) correctly, click the "confirm" button.
  4. You will be asked to confirm the set-up of your standing order by entering a Code from your code card, and then click the Confirm button.
  5. You will then be returned to the standing order 'homepage' with the following message: "Standing order set-up successfully".

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How do I amend a standing order?

  1. Select the standing order you wish to amend, by clicking on the Receiver Name. The standing order details screen is displayed.
  2. Click the "Amend" button.
  3. The amend screen is displayed and the following fields can be updated or amended (whichever you prefer)

    - Sender Reference

    - Receiver Name

    - Receiver Reference

    - Payment Amount in Cent

    Please note, if you wish to amend any other field in the standing order, you will have to cancel the standing order and set-up a new standing order with the new details.
  4. Once you have made your changes, click the "Confirm" button. The confirmation screen is displayed, and an asterisk (*) appears beside the amended fields. To accept these changes, click the "Confirm" button.
  5. You will then be returned to the standing order 'homepage' with the following message: "Standing order amendment has been accepted, please allow a maximum of 3 business working days for standing order amendments to be processed"

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How do I cancel a standing order?

  1. Select the standing order you wish to cancel, by clicking on the Receiver Name. The standing order details screen is displayed. Click the "Cancel standing order" button.
  2. You will be required to enter a random digit from your PAC and click the "Confirm" button to verify your cancel instruction.
  3. You will then be returned to the standing order 'homepage' with the following message: "Standing order cancellation has been accepted, please allow a maximum of 3 business working days for standing order cancellations to be processed"

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How do I view all the details of an active standing order on an account?

  1. Select the 'standing order' option which is located under 'transfer money'
  2. A list of active standing orders is presented to you in a table. Click on the Receiver Name and all the details of the standing order will be presented to you.

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How do I view details of all standing orders on a particular account?

To view the details of all standing orders on a particular account,

  1. Select the 'standing order' option which is located under 'transfer money'.
  2. A list of active standing orders are presented to you in a table. Below the table is a section titled "All standing orders" with a drop down list of all your AIB Internet Banking accounts with valid standing orders attached to them.
  3. Select the account you wish to view, and click the "Go" button.
  4. The next screen lists all the standing orders associated with the selected account, whether they are Active, Cancelled or Expired. If you have more than 10 standing orders linked to the account, a link appears as "View More" and the full list of standing orders will be returned after clicking it.

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What details does my standing order history log display?

The standing order history log records the changes that have been made to the selected standing order since May 2006. For each change made, it stores the date and time, the action completed, the details amended and the channel used to complete the change. All standing order instructions inputted by you on AIB Internet banking will list Internet as the channel

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How long does it take to set up/amend/cancel a standing order?


Set up
A standing order can be set-up for the next business working day if processed before 20.00 (Irish Standard Time) on a business working day. Should the date you select be a weekend or bank holiday, your account will be debited on the next business working day.

Example 1: If you set up a standing order before 20.00 on a Friday, the earliest this first payment can be processed is the following Monday, if it is not a bank holiday

Example 2: If you set up a standing order after 20.00 on a Friday, the earliest this first payment can be processed is the following Tuesday, if Monday is not a bank holiday.

Amend/Cancel
Standing order amendments and cancellations can take up to a maximum of 3 business working days to be processed.

Example 1: If you amend/cancel a standing order on a Wednesday before 20.00, whereby the next payment date is Thursday or a later date, this change will take effect immediately.

Example 2: If you amend/cancel a standing order on a Saturday, whereby the next payment date is Monday, this change will not take effect for Monday, but will be effective for the following payment date.

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Why am I unable to amend or cancel my Personal Savings Plan standing order?

A PSP (Personal Savings Plan) is subject to a maximum monthly lodgement of €1000 and a minimum monthly lodgement of €20. To ensure the maximum and minimum monthly lodgement requirements are met, the amend and cancel functions are not available through AIB Internet Banking. Please contact your branch if you wish to amend your monthly lodgement to you Personal Saving Plan.

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Why am I unable to amend or cancel a standing order through to my Credit Card account?

Direct Debit is the mechanism to make regular Credit Card payments. Please contact AIB Card Services on + 353 1 6685500 if you wish to set up a Direct Debit on your Credit Card account.

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Is there a daily standing order set-up/amend limit?

The maximum amount for a standing order that may be set-up/amended on your AIB Internet Banking is limited on aggregate to €1,000 in any business working day.

Example: You can set-up a standing order for €500 and amend a standing order for €500 on a single business working day.

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What is the purpose of the "Number of Payments" field in the set-up screen?

This is an optional field and can be used for calculating the final payment date of a standing order or determining the number of payments made to the receiver's account.

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What will happen if I have insufficient funds in my account to pay my standing order?

On the second consecutive failure of your standing order for insufficient funds, you will receive a letter advising you if the standing order fails for a third consecutive time due to insufficient funds, the standing order will be cancelled without further notice.

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Useful Contacts

For any queries relating to standing orders on AIB Internet Banking, please contact 1890 24 24 24 or if calling from outside the Republic of Ireland, please contact + 353 1 6670024.

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