AIB (NI) Classic Current Account

Features and Benefits

• Free daily banking if your account is in credit

  Avoid monthly fees if you keep your account in credit each month.
  

  If your account goes overdrawn during the month, you may have to pay Overdraft Charges or Support Fees.  For full details, please see our price list.

• Easy access to your money with our Visa debit card

  Pay for goods and services with our AIB Visa debit card in store or online or use your card to make cash withdrawals at ATMs in Northern Ireland or anywhere else in the world where Visa Debit is accepted. 
  *Charges may apply for using your card abroad.  See our price list for more details.

• Bank securely at a time and place that suits you

  AIB (NI) Online, Mobile or Phoneline Banking puts you in control of your finances. Many of the things you do at the branch counter you can do sitting at home with Online Banking - checking your balances, paying your bills, transferring money, ordering a statement and carrying out a cheque search.
  See our full range of Ways to Bank options.

• Stay in Control

  Receive regular statements by post or sign up for a free, convenient and secure method of receiving your eStatements online.

  Before you can switch to eStatements you will need to be registered for Online Services

• Text Alerts to help you manage your account

  If we hold an up to date mobile telephone number, we will send you a text message to help you avoid charges and keep your account in credit or within any agreed overdraft.

  You can also register for Balance Alerts where we will send you a text message to let you know when your account has dropped below an amount that you set.

  For more information on Account, Arranged Overdraft and Balance Alerts, click here. 

• Deal with unexpected expenses

  Apply for an overdraft to help you through those times when you run out of cash unexpectedly.  There is no arrangement fee for overdrafts.
  

  If you require an overdraft then you must apply for it. The amount sanctioned will depend on your financial circumstances and your ability to pay back the money. You must be 18 or older. For full details, or for a written quotation, please contact us.

• Switch your current account to us 'stress-free' in seven working days

  

  Switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee:

  • The service is free to use and you can choose and agree your switch date with us.
  • We will take care of moving all your payments going out (for example, your direct debits and standing orders) and those coming in (for example, your salary).
  • If you have money in your old account, we will transfer it to your new account on your switch date.
  • We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
  • If there are any issues in making the switch, we will contact you before your switch date.
  • If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.