AIB Student Plus Account

The AIB Student Plus Account is specially designed for you.

For many students, college represents freedom and fun filled years. But with all this freedom also comes the responsibility of managing your money. That’s why we’ve set up the AIB Student Plus Account. It’s designed to make it easy for you to manage your finances, so it doesn’t interfere with your studies or your social life. We have dedicated Student Advisers to help you along the way and we’ve thrown in some great rewards for using your account too.

The AIB Student Plus Account ticks all the boxes for your student banking needs AND rewards you for using your account!

• Banking FREE of Maintenance and Transaction Fees*
• AIB Debit Card you can use in Ireland and abroad*
• Up to EUR1,500 interest free overdraft
• Useful advice from our Student Advisers
• Access to AIB Phone & Internet Banking
• Reduced Rate on Personal Loans
• Interest paid on credit balances
• Commission free Foreign Exchange*
• Exclusive offers and competitions throughout the year.

*Other charges still apply. Full details of all the fees and charges associated with a Personal Current Account are contained in 'A Guide to Fees and Charges for Personal Accounts’. Foreign Currency Fees and Charges are also detailed in our 'Schedule of International Transaction Charges’ brochure.

Find out more about our Third level AIB Student Plus account

Find out more about our FIRST YEAR THIRD level offer 

AIB Student Plus Account information

The AIB Student Plus Account is specially designed for you. As an AIB Student Plus Account Holder, you can benefit from the following features:

Banking Free of Maintenance and Transaction Fees #

As an AIB Student Plus account holder you are exempt from all account maintenance and transaction fees on your Student Plus account with the exception of the following:

• Government Charges
• Cheques lodged to your account and returned unpaid
• Direct Debits or Standing Orders presented on your account and returned unpaid
• Same Day Value Payments

AIB Debit Card

The AIB Debit Card is a combined payment card with Chip & Pin security technology. It lets you make purchases at Point of Sale (POS) and cash withdrawals at ATMs in Ireland and abroad. You can also use it to shop online on websites that accept Laser.

It helps you control your spending too, as you can only spend the available balance in your account.

Note: POS and ATM transactions in currency other than in euro attract currency conversion fees and commission charges

Interest Free Overdraft

We offer an Interest Free Overdraft of up to EUR1,500 which gives you easy access to funds and provides peace of mind that additional funds are accessible when you need them. Contact your local branch or contact our dedicated Student Centre for assistance by calling 1890 STUDENT/1890 788 336 (lines open 8am-9pm Monday to Friday, and 9am-6pm Saturday).

Reduced Rate Loans

With a flexible Personal Loan from AIB you can avail of the following benefits:

• Unscheduled Repayments: You have the option of making unscheduled, additional repayments to your loan at any time with no penalty. This can be done either through your branch or Internet Banking and as your monthly repayments will stay the same your loan term will be shorter and the cost of your loan will be reduced.
• Other Flexible Repayments: Choose from options such as repayment holidays or interest only repayments and let your repayments suit your lifestyle.

  Note: The above flexible repayment options may impact on the amount and/or term of your loan.

• Low Interest Rates: Students can apply for a Personal Loan at a special reduced rate of 1.5% off the Bank’s Standard Variable ‘A’ Personal Loan Rate.

mc² Student MasterCard

This credit card is specifically designed to meet the lifestyle of a full-time third level student. A convenient way to shop online and pay for day to day expenses, it allows you to pay for a student lifestyle on a schedule that fits your budget. Some ATMs, vending machines and POS devices may not have the technology to accept this card and may reject or retain it due to its design.

Foreign Exchange #

You will pay no commission charges when you buy or sell foreign currency notes or if you cash or lodge traveller’s cheques.

Note: You must identify yourself as a Student Plus Account holder and request the benefit at the time.

Interest Paid on Credit Balances

You will earn a variable interest rate on the cleared credit balances on your AIB Student Plus Account.

AIB Phone & Internet Banking

AIB Phone & Internet Banking lets you easily manage your account at home or in college. With AIB Phone & Internet Banking you can:

• Check the balance and recent transactions on your accounts and sign up for eStatements
• Pay bills including ESB, Gas, NTL, AIB Visa, AIB MasterCard, Vodafone, O2 and Meteor
• Register for AIB Top Up by Text
• Set up, amend or cancel standing orders

For more details on AIB Phone & Internet Banking click on www.aib.ie You may need an AIB Code Card to use some of these services. You can find more information on the AIB Code Card at www.aib.ie/codecard

AIB Top Up by Text

AIB Top Up by Text is the easy way to top up your mobile phone. You can top up with a free text message to 50131, even if your phone is out of credit! It also lets you top up your mobile with free text when roaming abroad.

Doing your bit to ‘Add more green’

As an AIB Student Plus Account holder you can help us help the environment by:

• Reducing the impact of your banking on the environment by switching to eStatements on AIB Internet Banking. With eStatements you receive statements online instead of receiving paper statements by post. You need to be registered for AIB Phone & Internet Banking and will require an AIB Code Card to switch to and view your eStatements.
• For every customer that switches to eStatements, AIB will donate EUR5 towards our ‘Add more green’ Fund which contributes to environmental projects in Ireland and aboard. Fore more information click on www.aib.ie/csr
• Use your Free Student Travelcard to take public transport, reducing carbon emissions and improving your carbon footprint.

AIB Student Advisers

Our Student Advisers are here to provide you with ongoing support and advice throughout your college life.

• To make it easier for you, they’re based in branches on or near your campus
• They can help you to apply for an Overdraft, Personal Loan, AIB Credit Card or even just manage your money more effectively.

Alternatively you can contact our dedicated Student Centre for assistance by calling 1890 STUDENT/1890 788 336 (lines open 8am-9pm Monday to Friday, and 9am-6pm Saturday).

Who can avail of an AIB Student Plus Account?

The AIB Student Plus Account is available to any person enrolling or currently engaged in any full-time third level educational course, which includes full-time post-graduate studies, with a minimum duration of one academic year.

Want to open an account? Here’s what to do next.

Speak to one of our Student Advisers who are here to provide you with ongoing support and advice throughout your college life.

• To make it easier for you, they’re based in branches on or near your campus.
• They can help you to apply for an Overdraft, Personal Loan, and AIB Credit Card or even just manage your money more effectively.

Alternatively you can contact our dedicated Student Centre for assistance by calling 1890 Student/1890 788 336 (lines open 8am-9pm Monday to Friday, and 9am-6pm Saturday).

or:

Fill out our Student Plus Account Application form available though our Apply Online button and drop it into your local AIB branch.

# Other charges still apply. Full details of all the fees and charges associated with a Personal Current Account are contained in 'A Guide to Fees and Charges for Personal Accounts’. Foreign Currency Fees and Charges are also detailed in our 'Schedule of International Transaction Charges' brochure.

Important / Regulatory Wording

• Important Regulatory Information for an AIB Student Plus Account and Associated offers
• Important Information on your AIB Student Plus Account
• A Guide to Fees and Charges for Personal Accounts
• Terms and Conditions for Current Accounts and Demand Deposit Accounts

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