How to Close Your Account

This page explains how to close your personal current, loan and deposit accounts.

If you want to close a mortgage, overdraft, loan or credit card, please contact or visit a branch and our team will help.

If you want to close accounts held by someone who has passed away, here is some information and support.

What do I do before closing my account?

If you've used your account's debit card in the last few days, there may be pending transactions, which could delay the account being closed. Please don’t make any payments, using the card, for a few days before you plan to close it.

If you have any direct debits or standing orders on your account, please cancel them or change them to be taken from another account. This will prevent any payments being missed which could affect your credit history.

Your account can be closed when the balance is zero, with no remaining fees or interest. If it has a positive or negative balance, please bring the balance to zero using:

the AIB mobile app,
Internet Banking, or
a self-service kiosk in a branch.

If this is a joint account and ‘one to sign’, we can accept an instruction from either account holder to close the account. If it’s labelled ‘all to sign’, we'll need all the account holders to contact a branch to close the account.

You can download account statements up to one working day after the account has been closed. Afterwards, you can ask for a statement by visiting any branch or calling us on 0818 724 724 (or +353 1 7712424 outside Ireland).

How to close your account

AIB Internet Banking/Mobile App

The only accounts that you can close online are the Online Saver, Online Notice Deposit 7 and Personal Demand accounts. To close these accounts through Internet Banking, you can follow the below steps:

Log in to our online banking service.
Click on Accounts, then Account Management.
Select Close Account.
Follow the instructions.

The Online Notice Deposit 7 Account can also be closed through the AIB Mobile App.

To close an Online Notice Deposit 7 account, we need 7 days’ notice to close it. For more information visit Online Notice Deposit 7.

A man sitting on a chair with his laptop in his lap

A woman is smiling while holding and using her phone.

Over the phone

The only accounts you can close by calling us are your personal loan, student loan, green loan or SBCI Home Energy Upgrade Loan Scheme loan. To close these accounts over the phone you will need:

Have your mobile app to hand.
Call 0818 724 724 or +353 1771 2424 (Outside Ireland).
Mention Close Loan to our digital assistant ABI on the call, where you will be transferred to staff member
Follow the instructions of the staff member on the call to close your loan account.

Some loan accounts may not be eligible to close over the phone (like certain joint loan accounts for example). These accounts can be closed in branch.

In a branch

You can close all accounts, including current accounts, by writing to or visiting any branch. Find out more information on branch opening times.

To close any of your accounts in branch: Visit your local branch
You will need proof of ID to close your account in a branch. For more information on proof of identification, please see our Q&A below.
You can pay any fees on the account before you close it either online or in the branch. We can give you the closing balance on the day you are closing the account. Account Fees and Service Charges (PDF, 1 page, 1,196KB).
We’ll send you a closing statement about 10 working days after the account closes.

For branch locations and opening hours, visit our Branch Locator.

A man speaking with an employee in an AIB branch

Questions and Answers

You can close your Online Saver through internet banking or in one of our branches.

To close your Online Saver online you must log into your AIB Internet Banking profile and click on 'Account Management'. We will ask you to select another account on your Internet Banking Profile to which we will transfer your Online Saver balance and any interest on it. Your Online Saver account will then close.

Alternatively, you can post a letter to your account holding branch.
You cannot close your account before the end of your term. If you want to close your account at the end of the term, you will need give us maturity instructions. You can ask us to set this up, either when you first put money into the account, or at any time during the term up to the business day before the term ends. This can also be done through the AIB Mobile App. You can ask us to end the agreement within 14 days of opening the account or on reinvestment at the end of the term. We will not charge you to close the account, however, we will not pay you interest for the time you were invested.
If you have opened this account online, under the Distant Marketing Directive, you have the right to withdraw from and cancel the agreement without penalty within 14 days of opening the account.

* You can close your account online at any time, through your AIB Internet Banking Profile, by using the 'Close Account' function. Alternatively, you can close your account by sending a written instruction to an AIB branch near you.

* If you cancel or terminate the agreement, we will pay you interest on the money you have deposited in your Online Saver up to the date you withdraw it.
If you have opened this account online, under the Distant Marketing Directive, you have the right to withdraw from and cancel the agreement without penalty within 14 days of opening the account.

You can close your account online, through your AIB Mobile App or AIB Internet Banking Profile by using the 'Close Account' function and giving us 7 days' notice.

If you want to close your account immediately within 14 days of account opening, as per your entitlement under the Distant Marketing Directive, please call 0818 724 724 (Monday - Sunday 9:00 to 17:000), or write to your branch to tell us you want to close the account.

If you close the account, we will pay you interest on the money you have in your Online Notice Deposit 7 up to the date you take it out.
You can use one of the following valid proof of IDs
- Passport
- Passport Card
- EU/EEA Driving Licence – with photograph
- EU National Identity Card
To help us process your request, please include:
- Your full name
- Your account number or IBAN for the account being closed
- Your contact details
- Instructions for any remaining balance including account details for transfer of remaining balance
- Your signature/signatures of all account holders
Depending on the type of account you're closing, we may need additional information or documents.

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Closing your account