Training Example: AIB (Allied Irish Banks) – Review the Data, Give Your Score & Compare to the Real AI Evaluation

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[H2] SEPA Instant Payments
SEPA instant payments let you make credit transfers in seconds. These payments are processed 24 hours a day, 7 days a week.

More about SEPA Instant Payments

[H1] Changes to AIB’s Debit Card Terms and Conditions
The updated Terms and Conditions come into effect on 20 May 2026

More about Debit Card Terms & Conditions Update

[H1] Change to our Current Account Fees & Charges
We’re making changes to our Current Account Fees & Charges from 1 July

More about Current Account Fees & Charges

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[H1] What would you like to do today?

[H3] Watch your savings grow
Open a savings account and watch your money grow with interest. We have savings accounts for every type of saver
More about savings & deposits

[H3] Contact us today
We’re here to help. Talk to us, when and where it suits you.

[H3] Are you worried about payments?
More information on how we can help you here.

[H3] Mortgages
Check out our range of mortgage options.

[H3] Savings & Deposits
We're here to help you start saving today.

[H3] Insurance
Get protected and take life’s twists and turns in your stride.

[H3] Loans
Check out what loans we have to offer.

[H2] AIB Community €1 Million Fund
The AIB Community €1 Million Fund enables customers, the public and our employees to support the local charities that matter most to them, within their region. The Fund supports charities across six regions in Ireland, Northern Ireland & Great Britain.
As we celebrate 60 years of AIB in 2026, we’re marking this milestone by strengthening that commitment and adding an extra once-off €60,000 to the AIB Community €1M Fund.
Nominate a charity now.

[H2] Take your place in the Circle of Life, courtesy of Visa
Use your AIB Visa Debit or Credit card between 11 May and 14 June 2026 for a chance to win a trip to see Disney’s award-winning The Lion King in London.
Visit promotion page

[H2] Mortgage Interest Rate Changes
We are changing our interest rates for mortgages.
If you want to choose a different interest rate, amend your mortgage account details, or avail of our flexible payment options.
More information on mortgages

[H2] Help and support
Need some help?
We’ll try to answer your questions and get you the
information you need.
Bring me to the help centre

[H3] Are you worried about payments?
Find out more on how we can help you here.

[H3] Concerned about Fraud?
Find out how to protect yourself from fraud on our Security Centre.

[H2] Your questions answered

What’s changing when I use my card to shop online?
We’re making shopping online with your card more secure and reducing fraud. These changes introduce Strong Customer Authentication (SCA) for online card transactions. SCA is an extra layer of security where you authenticate your online card purchases.
How to become more secure..

How can we help you save?
Everything you need to know about saving is here. Whether you are planning for a car, a holiday, a wedding or even for your first home, we can help you save.
We’re sure one of our savings accounts will suit you. It really depends on what you’re saving for; a particular amount, to put money away regularly, or to have money for a rainy day.
See the types of account you can open here. Check out our savings calculator to get a clear idea of how much you need to be saving each month to meet your target.

What's changing about my log in to online banking?
Everything you need to know about personal access code (PAC).

What is the change to Personal Current Account Fees?
Previously, we have waived maintenance and transaction fees for customers who kept a minimum daily balance of €2,500 in their account throughout the fee quarter. However, from 28 November 2020, regardless of the minimum daily balance maintained throughout the fee quarter, we are going to apply these fees which will be charged quarterly from 29 March 2021.
Contactless transactions remain free of charge for all customers.
Ways to minimise transaction fees.
More information on account fee changes.

View full FAQ

[H2] Looking for more than personal banking?
AIB has expertise in these areas too.

For small to medium-sized businesses
[H3] Business Banking
Learn more about Business Banking

For large businesses or institutions
[H3] Corporate Banking
More about Corporate banking

For high-net-worth individuals
[H3] Private Banking
More on Private Banking

[H1] Customer Services Help Centre
[H2] Welcome to AIB's Help Centre, where you will find help and guidance on how to use the range of services available to you

[H3] Manage My Payments
Everything you need to know about payments and transfers.

[H3] What Are People Asking Us?
See our top queries here.

[H3] How to Minimise Fees
Find out ways to minimise your current account fees

[H3] Phone and Online Banking Help
Need help getting started and using the service?

[H3] Manage My Cards
How to manage your AIB Cards.

[H3] Technical Help and Information
Having an issue logging on? Get help here.

[H3] Manage My Accounts
Want to check your balance, view your accounts online and more.

[H3] Manage My Statements and Fees
Get help with your Statements and Fees.

[H3] Manage My Personal Information
Find out how to update your personal information.

[H3] Other Services & Transactions
How to make withdrawals, lodgements and FX orders.

[H3] Other Common Queries
View all our product related Frequently Asked Questions.

[H3] Online Forms
Order Sterling/USD online, book a branch appointment and more forms.

[H3] Making a Complaint
Were you unhappy with an experience with AIB?

[H3] Report suspicious communication
Received a suspicious text or email? Report here

[H3] Branch Locator

[H3] AskAIB on X

[H3] BIC/IBAN Convertor

[H3] Callback

Chat with Abi

[H2] Savings options that suit you

[H3] Kick start a savings habit
We have a savings account for every type of saver, compare which account best suits your savings goals.

Learn about savings accounts at AIB

[H3] Put a lump sum away
If you’re looking to keep your lump sum tucked away, compare which account suits your needs best.

Find the account for you

[H3] Start saving from a young age
For our younger customers (aged 7-17) looking to get a head start on saving, find out which account suits your savings goals.
Find the account for your saving goals

[H3] Savings for sole traders
If you are a personal customer acting as a sole trader, click here for savings options

[H3] Currency Deposit Account
Currency deposit savings options

[H2] Five Saving Tips
Saving is a great way to make sure that you have money ready when you need it for the fun things in life – going on a holiday, planning your wedding day or buying a new car. But how to save money or where to start? Here are five saving tips and tricks to get you started.

[H2] Savings Calculator
You can use our Savings Calculator if you are planning to open a savings account or just want to check the interest you can earn from your savings. If you are looking to save regularly or if you have a lump sum to save, our savings calculator will help you to find the savings account for you. Find out more about our Savings Calculator.

[H2] View all our Savings and Deposit products

[H2]

[H3]
Personal Demand Deposit

Manage your savings your way, with instant access to your money.

[H3]
Online Saver

Start saving now - and watch your savings grow.

[H3]
Online Notice Deposit 7

For lump sum savings online - access your money after just 7 days.

[H3]
Personal Fixed Term Deposit

Earn a fixed rate of interest on your lump sum and access your money at the end of the term.

[H3]
Junior Saver

For savers from age 7 - 11.

[H3]
Student Saver

For savers from 12-17.

[H3]
Demand Deposit (Available only to Sole Traders)

Save as often as you like - withdraw as often as you need.

[H2] Looking for more information?

[H3] Deposit rates
View a full list of Deposit account rates

Check list of rates

[H3] Choose a Savings Account
Find the savings account that is right for you!
Use our Savings Calculator

[H3] Our branches
Book a meeting at any branch

Find my branch

[H3] Frequently Asked Questions
View our full list of Frequently Asked Questions
Savings deposits FAQs

[H1] Online Account Opening
Our online account opening offers the freedom and flexibility to open an account, easily and securely, using our AIB Mobile app.

[H2] How you can open a current account
[H2]

[IMG: The home screen of the AIB app on mobile.]

[H3] Open an account in minutes using the AIB mobile app
Opening a sole AIB Current Account using the AIB Mobile app is simple if you:

Are aged 16 and over

Live in the Republic of Ireland.

Have a valid Passport or other acceptable Photographic ID

View our step-by-step guide here

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[IMG: Link to AIB]

[H2] With an AIB Current Account you have access to the AIB Mobile app. Features & benefits of the AIB app:

[H2]
[H2] The AIB Mobile app makes everyday banking easier. Use it to:
Transfer up to €10,000 to another account by enrolling for ‘Selfie Check’ on the AIB Mobile app or if not enrolled, you can transfer up to €1,000*.

Set up and use Apple Pay, & Google Pay in minutes.

View, change and cancel standing orders.

Check or cancel direct debits easily.

View, print, save and share up to seven years of statements.

Making purchases and withdrawing money from your AIB Personal Current Account in Ireland and worldwide is simple with the AIB Debit Card. Use it in shops, at ATMs, online and wherever Visa Debit is accepted.

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*Transaction limits apply, learn more about transaction limits. Transaction fees and charges may apply. AIB Mobile Banking is available 20 hours a day, subject to our Terms and Conditions.

[H2] Here’s a step-by-step guide to opening an account on the AIB Mobile Banking App:

Step 1: Download AIB App
Download the AIB Mobile Banking App from the App Store or Play Store. Select the option to "Become an AIB customer".

Step 2: Verify email address
Enter your e-mail address. We'll send a unique code to your inbox that is required to continue

Step 3: Provide some personal details
We'll ask you to enter your personal details and present you with the account suitable for you, then...

Step 4: Complete a video call
We will connect with you to a video call with an agent, so you'll need your photo ID and stable internet connection. Our agent will guide you, for example getting you to hold up your passport so we can check your identity.

Step 5: Provide some more details
After the video call, we need a few more details from you in order open your account so dont go anywhere. Follow the steps on screen all the way to picking a branch and register for our internet banking service.

Step 6: Almost there...
Your account will then be opened, but before you can begin to use your account you will need to prove your address.

Step 7: Wait for letter
To prove your address, we will send you a letter to the provided postal address that you've given us. This letter will contain a unique identifier code which you will then need to enter into the app. Your account wont be active until you do this!

Step 8: Enter code from letter
Once you have entered the code, you're good to go and you can lodge money to your new current account and transact online(this may take 24hours after code entry). We will send a debit card in the post and a PIN separately.

[H2] Other ways to open a Current Account:

[H3] Existing Customers with Internet Banking/AIB Mobile App
If you are already a customer, we have all the details we need and we can open an account for you more easily at the branch or via the "Apply & Open" tab on your AIB Internet Banking or on the AIB Mobile App.

[H3] Open an account remotely
Open an account remotely by completing an electronic application form (DocuSign). Once your account is open you will need to come in to branch with proof of ID.

[H3] Open an account at your AIB local branch
Staff at your local AIB branch will be very happy to help you open an AIB Current Account. You can book an appointment to do so here.

When you attend your appointment, you’ll need to bring:

One proof of ID.

One proof of address.

[IMG: A man sitting down with an AIB employee in a branch, discussing opening an account.]

[H2] Important documents

[H3] Information leaflet

Information leaflet for AIB personal bank account (PDF, 3 pages, 214KB)

Information leaflets for AIB Graduate Account (PDF, 3 pages, 234KB)

Information Leaflet for AIB Student Plus Account (PDF, 3 pages, 205KB)

Information leaflet for AIB Student Account for 2nd Level Students (PDF, 3 pages, 203KB)

Information Leaflet for AIB Basic Bank Account (PDF, 3 pages, 115KB)

[H3] Application forms

Sole account holder application form (PDF, 7 pages, 1,119KB)

Joint account holder application form (PDF, 9 pages, 1,203KB)

[H3] Terms and conditions

T&C's for current, demand deposit and masterplan accounts (PDF, 60 pages, 684KB)

Important information on your distance contract (PDF, 1 page, 392KB)

[H3] Fees and charges

Schedule of international transaction charges brochure (PDF, 28 pages, 593KB)

A guide to fees and charges for personal accounts brochure (PDF, 20 pages, 402KB)

[H2] Need more support?

If you have any more questions regarding opening an account on your phone, click here.

Please visit our help centre for commonly asked questions on our servies and accounts management.

If you need extra help for any reason, click here.

If you're a business customer and want to open a business account, click here.

[H2] Can't find what you're looking for?

Please talk to one of our staff by contacting any of our branches or our customer service helpline 0818 300 245 (+ 353 1 771 2424) from outside Ireland), lines are open Monday to Friday 9am – 5pm), if you do not possess the documentation outlined above. We’ll be happy to answer any questions you may have and find the right kind of current account for you.

[H2] More resources

[H3] AskAIB on X

[H3] Branch locator

[H3] Download AIB Switchers Pack (PDF, 25 pages, 1,640KB)

[H2] Related products
[H2]

[H3] Your AIB app
Enjoy full control of everyday banking transactions using your smartphone.

[H3] AIB Internet Banking
Manage your account when and where it’s convenient, and take care of all your banking needs including making payments, viewing and printing statements and much more.

[H3] AIB Phone Banking
Need some help? Access to customer service agents when they’re available.

[H2] Regulatory Information
Do you want to switch your Personal Current Account from AIB to another bank?

If so, you must get a Switching Pack from the bank that you wish to transfer your account into and follow the steps that are outlined. This process is in line with the Central Bank of Ireland's Switching Code. Please contact your branch if you need more information.

Chat with Abi

[H2] Choose your cover. Get your quote:

[H3] AIB Car Insurance
Great value Car Insurance? Pull in right here

[H3] AIB Home Insurance
Need flexible, affordable home insurance cover? You’re at the right address

[H3] AIB Travel Insurance
Wherever you’re going, get a quote in seconds

[H2] What additional benefits we offer? Find out more:

[H3] AIB Car Insurance FAQs

[H3] AIB Home Insurance FAQs

[H3] AIB Travel Insurance FAQs

[H2] What stage are you at?

[H3] Buying first home

[H3] Switching your mortgage

[H3] Moving homes

[H3] Building a home

[H3] Top-up your mortgage

[H3] Buy-to-let mortgage

[H3] Taking the first steps to buying a home?
It’s a big step when you’re thinking of your first home. Find out how much you’ll need as a deposit. Get tips to keep your savings on track. Wherever you’re at, it’s easy to talk to one of our mortgage advisors.
Saving for your home>

[H3] For existing AIB mortgage customers
Manage your mortgage, your way – change to a new rate, apply to borrow more or get help if you’re concerned about your ability to make payments.
Existing AIB mortgage customers >

[H2] Check our rates

[H3] Green Fixed Rate
For higher energy rated homes, we are offering our lowest fixed rate of interest.

More about Green Fixed Rate

[H3] Fixed Rate
A fixed rate mortgage has a rate of interest which doesn’t change for a set period of time, so you know exactly how much you pay every month.
Learn more about Fixed Rate

[H3] Variable Rate
A variable rate mortgage has a rate of interest which can change.
More information on Variable Rate

[H2] Benefits of an AIB mortgage

[H3] Great Rates
With AIB you can choose from a combination of Fixed and Variable interest rates, available to new and existing customers.

[H3] Expert Advice
Talk to our dedicated team of mortgage advisors in branch or over the phone. They can help you through the mortgage process.

[H3] No Fees
Bank free of transaction and maintenance fees by paying your AIB mortgage from an AIB current account. There may be some other charges, for example if you go overdrawn without agreement.

[H2]  Manage your application with MyMortgage

Once you have applied for a mortgage, we’ll make all the next steps as easy as we can for you. We’ll provide you with access to MyMortgage which lets you control the rest of your application on your mobile, tablet or desktop, in your own time.
Through MyMortgage you can see the documents required to support and progress the application. It also provides the ability to upload documents, to review and download your Approval in Principle plus other documents and has a message function to contact one of our Mortgage Advisors whenever you need any help.

MyMortgage Home Page

[IMG: Screenshot showing the MyMortgage mobile app interface for managing mortgage documents and communication with advisors.]

[H2] Useful tools

[H3] Jargon buster
Helpful explanations to make sense of all the mortgage-related jargon out there
Visit our jargon buster

[H3] Useful forms and guides
All the guides and forms you will need in one place

View our forms and guides

[H3] Frequently asked questions
The answer to your questions, in one place

Visit the FAQs

[H2] Help & support

[H3] Book an appointment

Your Mortgage Advisor can help you with your application
Book a mortgage appointment

[H3] Talk to us
Mortgage Advisors are here to help

Contact a mortgage advisor

[H3] Apply now

It's now easier to apply

Apply for a mortgage online

[H2] Home Mortgage Regulatory Information
Allied Irish Banks, p.l.c. is an authorised agent and servicer of AIB Mortgage Bank u.c. in relation to origination and servicing of mortgage loans and mortgages. AIB Mortgage Bank u.c. is regulated by the Central Bank of Ireland.
Lending criteria, terms and conditions apply. Over 18s only. Security may be required.

WARNING: If you do not keep up your repayments you may lose your home.

WARNING: You may have to pay charges if you pay off a fixed-rate loan early.

WARNING: Your interest rate may increase and the amount of your mortgage repayments may increase as a result.

WARNING: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire- purchase agreement, a consumer-hire agreement or a BNPL (Buy Now Pay Later) agreement in the future.

Get Started

Get Started

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Apply

It’s now easier to apply

Apply Online

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Talk to us

Mortgage experts are here to help

Call

[IMG: Book an appointment]

Book some time with us

Your local mortgage expert can help

Book an appointment

Chat with Abi