Features and benefits

• Three year account package with no monthly maintenance fees during the term of the account

  The Graduate Account and associated benefits are valid for a maximum of three years from the date you open your account either as a new account or by conversion of your existing AIB (NI) Student+ Account.

  However, you may have to pay support fees for certain services. Please see our price list for more details.

• An interest-free overdraft of up to £1,000 (subject to status)

  The first £1,000 of any arranged overdraft (subject to status) will be interest-fee (0% EAR variable).  This is not an automatic overdraft and you must apply if you require one.
  There is no fee for arranging or using the agreed overdraft whilst you hold the Graduate Account.

  The amount sanctioned will depend on your financial circumstances and your ability to pay back the money. You must be 18 or older and be in full-time employment to apply. For full details, or for a written quotation, please contact us.

  *EAR stands for equivalent annual rate and does not include any extra charges (for example arrangement fees) that may apply.

• No commission charge for foreign currency

  You will not pay any commission charges on foreign currency transactions such as, buying or selling cash or lodging a foreign currency cheque to your account. 
  For more information on the foreign currencies we offer and how to place an order, please click here.

• Easy access to your money with our Visa debit card

  A Visa debit card allows you to make purchases and withdraw money from your bank account worldwide*. You can use your card in shops, at cash machines and online wherever Visa Debit is accepted. You can also check your balance at any AIB (NI) or AIB cash machine.

  *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.

• Text Alerts to help you manage your account

  An Account Alert is a text message notification we’ll send you to help you manage your Current Account. 

  An Arranged Overdraft Alert is a text message notification we’ll send you to help you manage your Arranged Overdraft on your Personal Current 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.

  If you are registered for Online Services, you can also register for Balance Alerts which is a text message we can send you when your account has dropped below an amount that you set.

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

• Seamlessly move into the Classic Account after 3 years

  After 3 years, we will convert your account to a Classic Account.  Your account details will not change and we will contact you at this stage to confirm this change.

• Switch your graduate banking 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.
• Open your account today

  To open a new Graduate Account, simply call into your local AIB branch. 

  For Non AIB graduates you will need to bring your Certificate of Degree to confirm that you have graduated within the last 2 years and that you are eligible to open the account.

  Please note you must be a UK resident to open an account with us.

  If you hold an existing Student Plus Account with us, you can swap to the Graduate Account without opening a new account.

  We will need to see proof of your identity and address (such as your passport, driving licence and a gas or electricity bill).  If you are not sure what proof we accept, click here or speak to a customer service adviser on 0345 6005 925^†.  

  Complete the relevant forms and we will do the rest.