Why switch your Personal Current Account to us?

We believe our customers are at the heart of our business. Every day our friendly, experienced staff build on their wealth of local knowledge by listening to your financial requirements.


When it comes to our customers we know 'one size never fits all' - we take a flexible approach knowing that your personal financial needs can and will change over time.


As a customer:


  • you will have access to staff with a wealth of local knowledge at any of our branches
  • you have access to specialist staff to help you achieve your financial goals - whatever they may be
  • you can manage your money on the move with our Mobile Banking app

Thinking of Switching?


Our staff will help you through the switching process. They will give you your new current account details and any information you need about us.


Switching to us is free, there are no charges for setting up direct debits, standing orders and bill payments.


All you have to do is follow these 3 easy steps to move to your new personal current account.


  1. Get in touch - Call into a branch, phone us on 0345 6005 925† (lines are open between 9am and 5pm Monday to Friday). You have a number of switching options. 
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    Option A - Current Account Switch Service

    Switch your personal current account to us and close your current account with your old bank. The switch from your old account to your new current account will be completed in seven working days of your preferred switch date. The Current Account Switch Guarantee provides peace of mind for anyone switching their current account.


    If we agree, bank accounts that include an overdraft can switch using the Current Account Switch Service. And if you'd like to have an overdraft with your new bank account, speak to us before starting your switch. We will be able to advise if you're eligible for an overdraft, dependent on our lending criteria and your credit status.


    If you have given permissions to Third Party Providers to make payments on your behalf, or to access your financial data, access to these services won’t be transferred automatically to your new account as part of the Current Account Switch Service.


    1. Before you close your old account, check whether you have any Third Party Provider permissions set up and if so, who with.

    2. Once your new account is open you can give your permission to the Third Party Provider to access your new account by providing them with your new account details. You will need to contact the Third Party Provider directly yourself to set this up.

    3. If you are unsure as to whether we will support the Third Party Provider permissions on your account, you will need to discuss this ahead of your switch with us and we will be able to advise you of this. Please check our terms and conditions for more information about Third Party Providers.

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    Option B - Partial Switch

    Move all or some direct debits, standing orders and bill payments to us but keep your current account open at your old bank.

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We need to see proof of your identity and address. Usually, we need your passport or driving licence and a gas, electricity or water bill. If you are not sure what proof we accept phone us on 0345 6005 925.  


Sign the relevant application forms and we will do the rest.

Our commitment to you

We'll open your new current account, set you up on Online and Phoneline Banking and send you details of your current account. Next, we'll contact your old bank to move your standing orders, direct debits and bill payments to your new account by the agreed switch date. Finally, once your switch is complete, we'll confirm this with you.

Current Account Switch Guarantee


We have designed the Current Account Switch Service to let you 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.
Full details of the Current Account Switch Guarantee are available in the Personal Current Accounts brochure


A list of frequently asked questions can be found on the Current Account Switch Service website at currentaccountswitch.co.uk/help-support

Manual Switch

If your existing bank* is not a participant of the Current Account Switch Service, then you have the option to Switch Manually with no cost by giving us your Old / New Account details so we can contact your existing bank*

(Note - The Current Account Switch Service Guarantee does not apply to the manual process. If you’re not sure whether your current bank or building society participates in the Current Account Switch Service.  Ask us when you start your switch)


Switching In

If you are switching your current account to us, simply call into any of our branches to initiate the request. We will request you to confirm that your direct debit and standing order details are correct, once these are provided by you or your Old Bank*.

If any direct debits and standing orders originate from a third party (e.g. your employer), then you will need to complete an authority form which we will then use to contact the credit/debit originator on your behalf. We will request your Old Bank* to transfer any credit balance to your new current account with us, and on your request ask them to close your old account. The process will take approximately 12 working days.

(Note – this timeframe excludes any time taken for a response from your Old Bank* or you).

Switching Out

If you are switching from us into another UK based financial institution, we will send them a list of your Direct Debits, Direct Credits, Standing Orders and Bill payments within 5 working days. We will transfer any credit balance and close the account on the switch date as requested from your New Bank*.



How to make a complaint

If you are unhappy with any aspect of this service, please visit aibni.co.uk/help-and-guidance/customer-complaints-homepage


* includes building societies or any payment service provider

Talk to us today

Simply call 0345 6005 925or drop in to any AIB branch. We’ll be happy to answer any questions you may have.


  †  Lines open: 9am to 5pm Monday - Friday (except on bank holidays). Calls may be recorded. Call charges may vary - refer to your service provider. 

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