Studying medicine or dentistry? The prognosis is good...
A tailored package designed for you.
The AIB (NI) Medical and Dentistry package is designed to support you when you need it most. You will receive all the benefits of the Student+ Account with additional finance available to make it easier for you to manage your finances throughout your 5 year course.
This account is available as a sole account to new and existing customers aged 18 years and over who are studying for a full-time degree in Medicine or Dentistry.
Features and benefits
No monthly maintenance fees during the term of the account
The Student+ Account and medical and dentistry package is valid for the duration of your course.
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 £2,000 (subject to status)
The first £2,000 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 your Student Account.
See the 'Important information' section below for more details about borrowing 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
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.
Student Visa Credit Card facility to help you budget during term time
We have a range of flexible finance options in addition to an overdraft to help you manage the cost of investing in education throughout the full university cycle.
Our Student Visa Credit Card also gives you spending power in your pocket whether it's for every day essentials or to take advantage of those last minute online deals.
Ask one of our in-branch student advisers for more details or if you need any advice on managing your finances.
Seamlessly move into the Graduate Account when you are finish your studies
Switch your student 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 Student+ Account with the medical and dental package, simply call into your local AIB branch or call us on 0345 6005 925† if you would prefer to make an appointment.
You will need to bring a copy of your letter from UCAS or from your faculty that confirms you are studying medicine or dentistry.
If you hold an existing Current or Student 12-18 Account with us, you can swap to the Student+ 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.
Key product services available on the Student+ Account
Choose from a range of services to ensure you get the best from your bank account.
The below table summarises the services available on the Student+ Account.
Information about borrowings
As a responsible lender, we will only lend you money after assessing whether you are able to make the repayments.
We will only issue credit facilities depending on your financial circumstances. You must be aged 18 or over. Please ask us for full details of terms and conditions and written quotations.
We adhere to the Standards of Lending Practice which sets standards for banks when dealing with lending and overdrafts for personal customers. You can get more information on the Standards from any branch or at www.lendingstandardsboard.org.uk. Under the Standards we have also developed a Statement of Lender and Borrower Responsibilities to ensure that the relationship works well for both of us.
Talk to us
Simply call 0345 6005 925† or drop in to any AIB branch and talk to one of our experienced student advisers. We’ll be happy to answer any questions you may have and help find the right kind of account for you.
† Lines open: 9am to 5pm Monday - Friday (except on bank holidays). Calls may be recorded. Call charges may vary - refer to your service provider.
Help and guidance
Find out what documentation we will need to verify both your identity and your current permanent address in order to open an account.
For service related queries, please visit our Help Centre.
This document explains the fees outlined in the Fee Information Document.