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Graduate Finance

AIB offers reduced rate Personal Finance for Graduate Account holders.

The AIB Graduate Account is specifically tailored to meet the needs of individuals who have graduated from full-time third level education. The AIB Graduate Account is available to anyone who holds an AIB Student Plus Account and has graduated from full-time third level education in the last two years, or anyone new to AIB who has graduated from a full-time third level course of three years duration or more in the last two years. As a Graduate Account holder, you can avail of the following personal finance benefits.

To apply for an AIB graduate loan contact your local AIB branch or call our Graduate Centre on 1890 788 336. Lines open 8am to 9pm Mon - Fri and Saturday 9am to 6pm.

About our Reduced Rate Loans for Graduate Account Holders

As a Graduate Account holder, you can apply for a loan up to EUR75,000 that offers a special reduced rate of 3% off the Bank's Standard Variable 'A' Personal Loan rate. This reduced rate loan has a current Interest Rate of 8.45%, APR (Annual Percentage Rate) of 8.73%, subject to variation. This benefit will continue for the agreed life of the loan until it is repaid. If having ceased to hold an AIB Graduate Account you want to borrow further money on your loan ('top up your loan') or if you want to materially change the terms of the loan, we will have to enter into a new credit agreement with you for the total amount which may change the interest rate that applies on your loan. The new credit agreement will set out the terms, conditions and rate applicable to the new loan.

Get a quick Quote:

Note:This information is provided for illustrative purposes only. It does not constitute a contract. We are not recording and will not use the information quoted by you in our calculators unless it is being provided as part of a product application. The results are based on current offered rates for Personal Loans. Rates are variable and are determined by the amount of the loan.

Personal lending Interest Rates


About our Overdrafts for Graduate Account Holders

To help you meet the increasing demands on your pocket, you can request an overdraft facility, the first EUR1,000 of which will be interest free while you hold a Graduate Account. Only authorised balances of up to EUR1,000 will not be charged debit interest. Any balances over EUR1,000 will be subject to the Bank's Standard Variable 'A' Personal Overdraft Rate currently 11.85% Interest Rate, subject to variation.

The standard overdraft facility fee of EUR25.39 will also be waived for the period that you hold a Graduate Account.

AIB Graduate Centre

A dedicated Graduate Centre with a specialised team is available to deal with all your queries and applications for Overdrafts and Personal Loans.

Contact 1890 788 336 - 8am to 9pm Monday to Friday and Saturday 9am to 6pm.

In the interest of quality and training, your call may be recorded or monitored.

Important Regulatory Wording

Lending criteria, terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age. Security may be required. A typical EUR1,500 one-year loan to graduates will have monthly repayments of EUR130.79 Interest Rate 8.45%, APR 8.73%. If the APR does not vary during the term of the loan the total cost of credit of this loan i.e. total amount repayable less the amount of the loan, would be EUR69.48. The APR is based on our Variable 'A' Loan Rate and amount borrowed.

Next Steps

Call 1890 788 336

Related Information

Our Terms and Conditions and Privacy Statement apply to your use of this website. AIB and AIB Group are registered business names of Allied Irish Banks, p.l.c. Registered Office: Bankcentre, Ballsbridge, Dublin 4.
Tel: + 353 16600311 Registered in Ireland : Registered No. 24173. Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland. Copyright Allied Irish Banks, p.l.c. 1995