Personal Current Accounts Q&As

New customers who don’t have an AIB account, or who have previously closed one, can open the following sole current accounts in the AIB mobile app:

 

Existing AIB customers can open the following sole accounts on Internet Banking

Features and benefits of the Personal Current Account.
Features and benefits of the Basic Bank Account.
Features and benefits of the AIB Advantage Account.

New customers who don’t hold any accounts with AIB, or who have previously closed accounts with us, can open a sole Personal Current Account or Basic Bank Account in the AIB mobile app if they can provide proof that they:

Existing customers can open a sole Personal current Account  more easily via the "Apply & Open" tab on AIB Internet Banking.

You must be aged 66 or over and be registered with AIB Internet Banking.

If you don’t have any accounts with us, you can open a current account through the AIB mobile app. You need to: 

 

To open a current account with us: 

 

If you have an account with us and you’re looking to open another one on your own, you can do this from the home screen of your app.

New customers can open a Personal Current Account, Basic Bank Account, or Advantage Account on our old app

 

Simply download the app, click “Become an AIB customer” and follow the steps to start the process. You will need to have your passport or ID documents with you.

 

Existing customer can open a Personal Current Account on AIB Internet Banking

Accounts opened through the mobile app and AIB Internet Banking can only be opened in your sole name. A joint current account, with a maximum of 2 customers can be opened through our electronic application form. This will still require you both to present in branch to verify your identities. If you require a joint account with more than 2 customers, you will need to visit any of our branches. Paper application form (PDF, 9 pages, 1,203KB) and more information on opening a joint account.

Your account will be opened online through AIB Internet Banking in the same branch as your existing AIB accounts. Once your account has opened, you will be able to view the National Sort Code (NSC) of the account on AIB Internet Banking. To view this, simply click on ‘Accounts’ and select the new account. Your NSC, along with your Account Number, Business Identifier Code (BIC) and International Bank Account Number (IBAN), will be listed on this screen. If you wish to talk to someone about your account, please contact AIB Direct Banking at 0818 724 724.

You can contact a Customer Service Adviser on 0818 724 724 (International +353 1 771 2424).

Fees and charges do apply to the Personal Bank Account. Here are the details of ‘A Guide to Fees and Charges for Personal Accounts (PDF, 24 pages, 2.9MB)’.

Yes, you can view your balance and account transactions and transfer money into and out of your account via AIB Internet Banking.

When you open a current account on AIB Internet Banking. You will also be able to view and print your eStatements on Kiosk Banking. You have the option to request paper statements if you wish, please refer to the 'Manage my Statements and Fees' section of the Help Centre for more details.

You can close your account at any time by giving a written instruction to your branch in line with the ‘AIB Personal Current Account Important Information (PDF, 1 pages, 68.1KB)’ leaflet and the Terms and Conditions for Current Accounts and Demand Deposit Accounts (PDF, 52 pages, 739KB). 

With the AIB Advantage Account you don't have to pay a monthly fee.

 

You can visit any of our branches to open a new AIB Advantage Account once you are aged 66 or over.

 

If you already have a Personal Current Account with us, you can change to an AIB Advantage Account by visiting or writing to any branch to tell us you want to move your Personal Current Account to an AIB Advantage Account.

 

Once a year we will also write to Personal Current Account holders who are aged 66 or over and eligible to move to an AIB Advantage Account. This will be done within a year of turning 66. We will then automatically move these accounts two months after the date we write to the account holder(s).

 

If you have a joint account, everyone on the account must be aged 66 or over to qualify for an AIB Advantage Account.